What are the current interest rates at Empeople Credit Union?

Current rates for Empeople Credit Union include: 12-Month CD: 4.30%, 18-Month CD: 4.40%, 24-Month CD: 4.25%, 60-Month CD: 3.50%, Savings: 0.45%, MMA: 3.40%

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Empeople Credit Union

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Empeople Credit Union Rates & Review October 2026

Q: How many branches does Empeople Credit Union operate?

Empeople Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Empeople Credit Union?

Yes, to access services at Empeople Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, Empeople Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Empeople Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

Empeople Credit Union's top rates as of October 14, 2026 are 4.40% APY on its 18 Month CD, 0.45% APY on savings, 3.40% APY on money market accounts, 6.12% on its 3/1 ARM Mortgage, and personal loans from 14.99% APR, according to rates verified by MonitorBankRates. Other Empeople Credit Union CD rates include 12 Month CD at 4.30%, 24 Month CD at 4.25%, and 6 Month CD at 4.10%. Other Empeople Credit Union mortgage rates include 15 Year Fixed Mortgage at 6.25%, 5/1 ARM Mortgage at 6.38%, and 7/1 ARM Mortgage at 6.62%. MonitorBankRates evaluates the financial stability of Empeople Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.75%. Rates last updated and verified on 10/14/2026.

Empeople Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Empeople Credit Union? Share your experience about Empeople Credit Union by leaving a review below, or read customer reviews before you decide to use Empeople Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.75%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Empeople Credit Union
Main Office - Moline

3950 38th Ave
Moline, IL 61265-6471

https://www.deereemployeescu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Empeople Credit Union CD Rates

Product	Rate	APY	Term
18 Month Certificate	4.31%	4.40%	18 Months
Min Deposit $500 Details IRA/HSA & Share Certificate; penalty for early withdrawal; minimum deposit $500 to open and earn dividends; Rate = dividend rate Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20% Sep 27, 20264.40%▲ from 4.20% Sep 14, 20264.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
12 Month Certificate	4.22%	4.30%	12 Months
Min Deposit $500 Details IRA/HSA & Share Certificate; penalty for early withdrawal; minimum deposit $500 to open and earn dividends; Rate = dividend rate Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 4.25% → 4.30% ▲ 0.05 pts · high 4.30% / low 4.25% Sep 27, 20264.30%▲ from 4.25% Sep 14, 20264.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
24 Month Certificate	4.17%	4.25%	24 Months
Min Deposit $500 Details IRA/HSA & Share Certificate; penalty for early withdrawal; minimum deposit $500 to open and earn dividends; Rate = dividend rate Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15% Sep 27, 20264.25%▲ from 4.15% Sep 14, 20264.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
6 Month Certificate	4.03%	4.10%	6 Months
Min Deposit $500 Details IRA/HSA & Share Certificate; penalty for early withdrawal; minimum deposit $500 to open and earn dividends; Rate = dividend rate Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00% Sep 27, 20264.10%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
36 Month Certificate	3.93%	4.00%	36 Months
Min Deposit $500 Details IRA/HSA & Share Certificate; penalty for early withdrawal; minimum deposit $500 to open and earn dividends; Rate = dividend rate Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 1, 20264.00%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
3 Month Certificate	3.69%	3.75%	3 Months
Min Deposit $5,000 Details IRA/HSA & Share Certificate; penalty for early withdrawal; 3 Month Certificate requires minimum deposit of $5,000; Rate = dividend rate Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
48 Month Certificate	3.69%	3.75%	48 Months
Min Deposit $500 Details IRA/HSA & Share Certificate; penalty for early withdrawal; minimum deposit $500 to open and earn dividends; Rate = dividend rate Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50% Oct 1, 20263.75%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
60 Month Certificate	3.45%	3.50%	60 Months
Min Deposit $500 Details IRA/HSA & Share Certificate; penalty for early withdrawal; minimum deposit $500 to open and earn dividends; Rate = dividend rate Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00% Oct 1, 20263.50%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%

Empeople Credit Union Savings Rates

Product	Rate	APY
High Yield Savings	0.45%	0.45%
Min Balance $5,000 Details Level 1; Balance: $5,000 and over; Rate = dividend rate Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Health Savings Account	0.40%	0.40%
Details No minimum balance required to earn advertised APY; account opening deposit not required; Rate = dividend rate Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
IRA Accumulation Share	0.25%	0.25%
Min Balance $25 Details Balance: All balances; minimum daily balance of $25.00 to obtain disclosed APY; Rate = dividend rate Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
High Yield Savings	0.15%	0.15%
Min Balance $0 Details Level 1; Balance: $0 - $4,999.99; Rate = dividend rate Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Prime & Sub-Share	0.15%	0.15%
Min Deposit $5 Min Balance $0 Details Balance: All balances; Minimum $5 deposit required for Prime Share; Secondary Share has no minimum balance; Rate = dividend rate Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%

Empeople Credit Union Money Market Rates

Product	Rate	APY
Quick Silver Money Market Account	3.35%	3.40%
Min Balance $500,000 Details Qualifications Required: 21+ debit or credit card transactions per month; minimum $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Level 2: All-In; Balance: $500,000 and over; Rate = dividend rate Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.40% ▲ 0.15 pts · high 3.40% / low 3.25% Oct 10, 20263.40%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Quick Silver Money Market Account	3.25%	3.30%
Min Balance $250,000 Details Qualifications Required: 21+ debit or credit card transactions per month; minimum $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Level 2: All-In; Balance: $250,000-$499,999.99; Rate = dividend rate Last Updated 10/14/2026 Rate History 1 change since Sep 27, 2026 · 3.15% → 3.30% ▲ 0.15 pts · high 3.30% / low 3.15% Oct 10, 20263.30%▲ from 3.15% Sep 27, 20263.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Quick Silver Money Market Account	2.96%	3.00%
Min Balance $500,000 Details Level 1; Balance: $500,000 and over; Rate = dividend rate Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 2.85% → 3.00% ▲ 0.15 pts · high 3.00% / low 2.85% Oct 10, 20263.00%▲ from 2.85% Sep 14, 20262.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Quick Silver Money Market Account	2.96%	3.00%
Min Balance $100,000 Details Qualifications Required: 21+ debit or credit card transactions per month; minimum $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Level 2: All-In; Balance: $100,000-$249,999.99; Rate = dividend rate Last Updated 10/14/2026 Rate History 1 change since Sep 27, 2026 · 2.65% → 3.00% ▲ 0.35 pts · high 3.00% / low 2.65% Oct 10, 20263.00%▲ from 2.65% Sep 27, 20262.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Quick Silver Money Market Account	2.86%	2.90%
Min Balance $250,000 Details Level 1; Balance: $250,000-$499,999.99; Rate = dividend rate Last Updated 10/14/2026 Rate History 1 change since Sep 27, 2026 · 2.75% → 2.90% ▲ 0.15 pts · high 2.90% / low 2.75% Oct 10, 20262.90%▲ from 2.75% Sep 27, 20262.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Quick Silver Money Market Account	2.37%	2.40%
Min Balance $100,000 Details Level 1; Balance: $100,000-$249,999.99; Rate = dividend rate Last Updated 10/14/2026 Rate History 1 change since Sep 27, 2026 · 2.25% → 2.40% ▲ 0.15 pts · high 2.40% / low 2.25% Oct 10, 20262.40%▲ from 2.25% Sep 27, 20262.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Quick Silver Money Market Account	1.59%	1.60%
Min Balance $75,000 Details Qualifications Required: 21+ debit or credit card transactions per month; minimum $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Level 2: All-In; Balance: $75,000-$99,999.99; Rate = dividend rate Last Updated 10/14/2026 Rate History 1 change since Sep 27, 2026 · 1.45% → 1.60% ▲ 0.15 pts · high 1.60% / low 1.45% Oct 10, 20261.60%▲ from 1.45% Sep 27, 20261.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Quick Silver Money Market Account	1.49%	1.50%
Min Balance $75,000 Details Level 1; Balance: $75,000-$99,999.99; Rate = dividend rate Last Updated 10/14/2026 Rate History 1 change since Sep 27, 2026 · 1.45% → 1.50% ▲ 0.05 pts · high 1.50% / low 1.45% Oct 10, 20261.50%▲ from 1.45% Sep 27, 20261.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Quick Silver Money Market Account	1.49%	1.50%
Min Balance $20,000 Details Qualifications Required: 21+ debit or credit card transactions per month; minimum $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Level 2: All-In; Balance: $20,000-$49,999.99; Rate = dividend rate Last Updated 10/14/2026 Rate History 1 change since Sep 27, 2026 · 1.35% → 1.50% ▲ 0.15 pts · high 1.50% / low 1.35% Oct 10, 20261.50%▲ from 1.35% Sep 27, 20261.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Quick Silver Money Market Account	1.44%	1.45%
Min Balance $50,000 Details Level 1; Balance: $50,000-$74,999.99; Rate = dividend rate Last Updated 10/14/2026 Rate History 1 change since Sep 27, 2026 · 1.30% → 1.45% ▲ 0.15 pts · high 1.45% / low 1.30% Oct 10, 20261.45%▲ from 1.30% Sep 27, 20261.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Quick Silver Money Market Account	1.39%	1.40%
Min Balance $20,000 Details Level 1; Balance: $20,000-$49,999.99; Rate = dividend rate Last Updated 10/14/2026 Rate History 1 change since Sep 27, 2026 · 1.35% → 1.40% ▲ 0.05 pts · high 1.40% / low 1.35% Oct 10, 20261.40%▲ from 1.35% Sep 27, 20261.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Quick Silver Money Market Account	0.55%	0.55%
Min Balance $10,000 Details Level 1; Balance: $10,000-$19,999.99; Rate = dividend rate Last Updated 10/14/2026 Rate History 1 change since Sep 27, 2026 · 0.50% → 0.55% ▲ 0.05 pts · high 0.55% / low 0.50% Oct 10, 20260.55%▲ from 0.50% Sep 27, 20260.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Quick Silver Money Market Account	0.55%	0.55%
Min Balance $5,000 Details Qualifications Required: 21+ debit or credit card transactions per month; minimum $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Level 2: All-In; Balance: $5,000-$9,999.99; Rate = dividend rate Last Updated 10/14/2026 Rate History 1 change since Sep 27, 2026 · 0.40% → 0.55% ▲ 0.15 pts · high 0.55% / low 0.40% Oct 10, 20260.55%▲ from 0.40% Sep 27, 20260.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Quick Silver Money Market Account	0.45%	0.45%
Min Balance $5,000 Details Level 1; Balance: $5,000-$9,999.99; Rate = dividend rate Last Updated 10/14/2026 Rate History 1 change since Sep 27, 2026 · 0.40% → 0.45% ▲ 0.05 pts · high 0.45% / low 0.40% Oct 10, 20260.45%▲ from 0.40% Sep 27, 20260.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Quick Silver Money Market Account	0.40%	0.40%
Min Balance $0 Details Level 1; Balance: $0-$4,999.99; Rate = dividend rate Last Updated 10/14/2026 Rate History 1 change since Sep 27, 2026 · 0.25% → 0.40% ▲ 0.15 pts · high 0.40% / low 0.25% Oct 10, 20260.40%▲ from 0.25% Sep 27, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%

Empeople Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
15 Year Fixed Mortgage	6.25%	$1000	6.742%	15 Year
Details Interest rate and APR starting at; $100,000 loan amount; $857 payment; rates based on 70% LTV, 760+ credit score Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
5/1 ARM Mortgage	6.375%	$0	6.936%
Details Interest rate and APR starting at; $200,000 loan amount; $1248 payment; 30-year term (360 payments); rates based on 70% LTV, 760+ credit score Last Updated 10/14/2026 Rate History No change since Oct 1, 2026 · 6.94% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
3/1 ARM Mortgage	6.125%	$0	6.976%
Details Interest rate and APR starting at; $200,000 loan amount; $1215 payment; 30-year term (360 payments); rates based on 70% LTV, 760+ credit score Last Updated 10/14/2026 Rate History No change since Oct 1, 2026 · 6.98% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
7/1 ARM Mortgage	6.625%	$0	6.978%
Details Interest rate and APR starting at; $200,000 loan amount; $1281 payment; 30-year term (360 payments); rates based on 70% LTV, 760+ credit score Last Updated 10/14/2026 Rate History No change since Oct 1, 2026 · 6.98% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
20 Year Fixed Mortgage	6.75%	$1000	7.153%	20 Year
Details Interest rate and APR starting at; $100,000 loan amount; $760 payment; rates based on 70% LTV, 760+ credit score Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.15% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
30 Year Fixed Mortgage	7.00%	$250	7.236%	30 Year
Details Interest rate and APR starting at; $100,000 loan amount; $665 payment; rates based on 70% LTV, 760+ credit score Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 7.13% → 7.24% ▲ 0.10 pts · high 7.24% / low 7.13% Oct 14, 20267.24%▲ from 7.13% Sep 18, 20267.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%

Empeople Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto/Motorcycle Loans	-	-	4.74%	60 Month
Details Model Year 2024 and Newer; New/Refinance; Rate with automatic payment; add 1% for cash/check/coupon; Min. loan $500; All-In Member Pricing discount up to 0.50% APR Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 4.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Used Auto/Motorcycle Loans	-	-	4.89%	60 Months
Details Used: 2022 - 2023 model years; Rates for 2021 and older may be higher; Rate with automatic payment; add 1% for cash/check/coupon; Min. loan $500; All-In Member Pricing discount up to 0.50% APR Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 4.89% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
New Auto/Motorcycle Loans	-	-	4.99%	72 Month
Details Model Year 2024 and Newer; New/Refinance; Rate with automatic payment; add 1% for cash/check/coupon; Min. loan $500; All-In Member Pricing discount up to 0.50% APR Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 4.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Used Auto/Motorcycle Loans	-	-	5.14%	72 Months
Details Used: 2022 - 2023 model years; Rates for 2021 and older may be higher; Rate with automatic payment; add 1% for cash/check/coupon; Min. loan $500; All-In Member Pricing discount up to 0.50% APR Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 5.14% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Payment Saver Auto Loan	-	-	5.49%	60 Months
Details Model Year 2024 and Newer; Autos two years old or newer; Rate with automatic payment; add 1% for cash/check/coupon; Min. loan $500 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Payment Saver Auto Loan	-	-	5.74%	72 Months
Details Model Year 2024 and Newer; Autos two years old or newer; Rate with automatic payment; add 1% for cash/check/coupon; Min. loan $500 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%

Empeople Credit Union Personal Loan Rates

Product	APR	Term
Signature Personal Loan	14.99%	60 Months
Details $24 payment per $1,000; 'As Low As' rate for credit scores 740+; add 1% for cash/check/coupon Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 14.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Home Improvement Loans - Unsecured	15.49%	72 Months
Details $21 payment per $1,000; 'As Low As' rate for credit scores 740+ Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 15.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%

Empeople Credit Union Other Rates

Product	Rate	Points	APY/APR
Easy Equity Loan	-	-	6.49%
Details Payment per $1,000 column ignored Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 6.24% → 6.49% ▲ 0.25 pts · high 6.49% / low 6.24% Oct 1, 20266.49%▲ from 6.24% Sep 14, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Equity LOC up to 80% CLTV Loan	-	-	6.24%
Details Home equity loan; $11 payment per $1,000 (120-month term example); 'As Low As' rate for credit scores 740+; loan amounts up to $50,000 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 5.99% → 6.24% ▲ 0.25 pts · high 6.24% / low 5.99% Oct 10, 20266.24%▲ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Equity LOC up to 90% CLTV Loan	-	-	6.49%
Details Home equity loan; $11 payment per $1,000 (120-month term example); 'As Low As' rate for credit scores 740+; loan amounts up to $50,000 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 6.24% → 6.49% ▲ 0.25 pts · high 6.49% / low 6.24% Oct 10, 20266.49%▲ from 6.24% Sep 14, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Line of Credit	-	-	17.99%
Details Variable APR, may change after account is opened; max rate 18% APR; application fee $424 unless initial draw $10,000+ and $5,000 balance maintained; appraisal fees $250-$500 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 17.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Rise Transaction Account	2.81%	-	2.85%
Min Balance $0 Details Qualifications Required: 21+ debit or credit card transactions per month; minimum $1,500 in direct deposit(s) and/or mobile deposit within the last 31 days into Rise Transaction Account; Features: 80,000+ fee-free ATMs nationwide, no monthly service fee; Level 2: All-In; Balance: $0 - $4,999.99; Rate = dividend rate Last Updated 10/14/2026 Rate History 1 change since Sep 27, 2026 · 2.84% → 2.85% ▲ 0.01 pts · high 2.85% / low 2.84% Oct 10, 20262.85%▲ from 2.84% Sep 27, 20262.84%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Rise Transaction Account	3.06%	-	3.10%
Min Balance $5,000 Details Qualifications Required: 21+ debit or credit card transactions per month; minimum $1,500 in direct deposit(s) and/or mobile deposit within the last 31 days into Rise Transaction Account; Features: 80,000+ fee-free ATMs nationwide, no monthly service fee; Level 2: All-In; Balance: $5,000 - $9,999.99; Rate = dividend rate Last Updated 10/14/2026 Rate History 1 change since Sep 27, 2026 · 3.09% → 3.10% ▲ 0.01 pts · high 3.10% / low 3.09% Oct 10, 20263.10%▲ from 3.09% Sep 27, 20263.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Rise Transaction Account	3.93%	-	4.00%
Min Balance $10,000 Details Qualifications Required: 21+ debit or credit card transactions per month; minimum $1,500 in direct deposit(s) and/or mobile deposit within the last 31 days into Rise Transaction Account; Features: 80,000+ fee-free ATMs nationwide, no monthly service fee; Level 2: All-In; Balance: $10,000 - $19,999.99; Rate = dividend rate Last Updated 10/14/2026 Rate History 1 change since Sep 27, 2026 · 3.87% → 4.00% ▲ 0.13 pts · high 4.00% / low 3.87% Oct 10, 20264.00%▲ from 3.87% Sep 27, 20263.87%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Rise Transaction Account	0.50%	-	0.50%
Min Balance $20,000 Details Qualifications Required: 21+ debit or credit card transactions per month; minimum $1,500 in direct deposit(s) and/or mobile deposit within the last 31 days into Rise Transaction Account; Features: 80,000+ fee-free ATMs nationwide, no monthly service fee; Level 2: All-In; Balance: $20,000 and over; Rate = dividend rate Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Empeople Credit Union’s Texas Ratio fell from 6.91% in Q3 2023 to 5.75% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$2.3B	5.75%	5.0	A+
March 31, 2026	$2.3B	4.55%	5.0	A+
December 31, 2025	$2.3B	5.33%	5.0	A+
September 30, 2025	$2.2B	6.85%	5.0	A
June 30, 2025	$2.1B	6.56%	5.0	A
March 31, 2025	$2.2B	4.72%	5.0	A+
December 31, 2024	$2.2B	6.16%	5.0	A
September 30, 2024	$1.9B	7.04%	5.0	A
June 30, 2024	$2.0B	5.16%	5.0	A+
March 31, 2024	$2.0B	4.28%	5.0	A+
December 31, 2023	$2.0B	6.21%	5.0	A
September 30, 2023	$2.0B	6.91%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Empeople Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Empeople Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Empeople Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Empeople Credit Union

Website https://www.deereemployeescu.com

Address 3950 38th Ave, Moline, IL 61265-6471

Phone 309-743-1000

Fax 309-743-1050

President Scott Hany

CEO Kurt Lewin

Full-Time Employees 274

Part-Time Employees 4

Branch Locations 36

ATM Locations 33

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.75%

Return on Assets (ROA)

0.3700%

Return on Equity (ROE)

4.4665%

Non-Performing Loans Ratio (NPL)

0.59%

Total Assets

2,262,449,386

Total Amount of Shares and Deposits

2,046,609,498

Total Shares and Deposits < 1 Year

1,995,590,156

Total Shares and Deposits 1 3 Years

46,962,507

Total Shares and Deposits > 3 Years

4,056,834

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

341,764,360

Total Uninsured Shares and Deposits > $250K (F+J)

341,764,360

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,704,845,138

Total Interest Expense (Sum of items 6 8)

28,350,931

Share Certificates

18,935

Number of Accounts for Share Drafts

58,375

IRA KEOGH Accounts

3,211

Number of Accounts for Regular Shares

133,682

All other shares

1,568

Money Market Shares

20,218

Net Income (unless the amount is already included in Undivided Earnings)

8,371,627

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Adequately Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

100,388,685

Total Liabilities

2,076,387,941

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Empeople Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Empeople Credit Union

How many branches does Empeople Credit Union operate?

Empeople Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Empeople Credit Union?

Yes, to access services at Empeople Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Empeople Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Empeople Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Empeople Credit Union offer online and mobile banking?

Most modern institutions like Empeople Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.deereemployeescu.com.

Current Empeople Credit Union Rates

12-Month CD4.30%
18-Month CD4.40%
24-Month CD4.25%
60-Month CD3.50%
Savings0.45%
MMA3.40%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Empeople Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Empeople Credit Union Texas Ratio

Empeople Credit Union Health Trend

Empeople Credit Union CD Rates

Empeople Credit Union Savings Rates

Empeople Credit Union Money Market Rates

Empeople Credit Union Mortgage Rates

Empeople Credit Union Auto Loan Rates

Empeople Credit Union Personal Loan Rates

Empeople Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Empeople Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Empeople Credit Union

How many branches does Empeople Credit Union operate?

Is a member application needed to join Empeople Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Empeople Credit Union offer online and mobile banking?

Current Empeople Credit Union Rates

Compare to Other Credit Unions