What are the current interest rates at Empeople Credit Union?

Current rates for Empeople Credit Union include: 12-Month CD: 4.10%, 18-Month CD: 4.05%, 24-Month CD: 4.00%, 60-Month CD: 3.00%, Savings: 0.15%, MMA: 0.25%

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Empeople Credit Union Rates & Review August 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: August 28, 2026

Empeople Credit Union's 12 Month CD rates are at 4.10%, 18 Month CD rates are at 4.05%, 24 Month CD rates are at 4.00%, 6 Month CD rates are at 4.00%, 3 Month CD rates are at 3.75%. Empeople Credit Union's savings rates are at 0.15%. Empeople Credit Union's money market rates are at 0.25%. Empeople Credit Union's 15 Year Fixed Mortgage rates are at 5.62%, 7/1 ARM Mortgage rates are at 5.88%, 5/1 ARM Mortgage rates are at 5.62%, 20 Year Fixed Mortgage rates are at 6.12%, 3/1 ARM Mortgage rates are at 5.38%. Empeople Credit Union's Personal Loan Rates are at 4.84%. 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 6.85%. Rates last updated and verified on 08/28/2026.

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.

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.85%

Excellent Higher than avg

Empeople Credit Union
Main Office Moline

3950 38th Ave
Moline, IL 61265 6471

https://www.deereemployeescu.com

Empeople Credit Union CD Rates

Product	Rate	APY	Term
12 Month Certificate	4.03%	4.10%	12 Month
Min Deposit $500 Details For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
18 Month Certificate	3.98%	4.05%	18 Month
Min Deposit $500 Details For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
24 Month Certificate	3.93%	4.00%	24 Month
Min Deposit $500 Details For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
6 Month Certificate	3.93%	4.00%	6 Month
Min Deposit $500 Details For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
3 Month Certificate	3.69%	3.75%	3 Month
Min Deposit $5,000 Details For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate. **3 Month Certificate requires a minimum deposit of $5,000. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
36 Month Certificate	3.69%	3.75%	36 Month
Min Deposit $500 Details For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
48 Month Certificate	3.45%	3.50%	48 Month
Min Deposit $500 Details For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
60 Month Certificate	2.96%	3.00%	60 Month
Min Deposit $500 Details For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%

Empeople Credit Union Savings Rates

Product	Rate	APY
High Yield Savings	3.06%	3.10%
Min Balance $5,000 Details Qualifications Required: 21+ debit or credit card transactions per month; minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. APY=Annual Percentage Yield. Rates may change after account is opened. Rate is accurate as of last dividend declaration date. Fees may reduce earnings on the account. Dividends are compounded and credited monthly and are calculated based on the daily balance method. Excludes ATM and cash transactions. For full terms and conditions, please refer to our Truth in Savings Disclosure . Rate = dividend rate. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Health Savings Account	0.40%	0.40%
Details APY=Annual Percentage Yield. Rates may change after account is opened. Fees may reduce earnings on account. Rate is accurate as of last dividend declaration date. Account opening deposit not required. No minimum balance required to earn advertised APY. Rate = dividend rate. Eligibility to contribute to an HSA is established by the following criteria: 1) Covered under a high deductible health plan (HDHP), 2) Not covered by any other health plan that is not an HDHP (with certain exceptions for plans providing preventative care and limited types of permitted insurance and permitted coverage), and 3) Not enrolled in Medicare. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
High Yield Savings	0.30%	0.30%
Min Balance $5,000 Details APY=Annual Percentage Yield. Rates may change after the account is opened. Rate is accurate as of last dividend declaration date. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
High Yield Savings	0.15%	0.15%
Min Balance $0 Details APY=Annual Percentage Yield. Rates may change after the account is opened. Rate is accurate as of last dividend declaration date. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%

Empeople Credit Union Money Market Rates

Product	Rate	APY
Quick Silver Money Market Account	3.20%	3.25%
Min Balance $500,000 Details Qualifications Required: 21+ debit or credit card transactions per month; minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. APY=Annual Percentage Yield. Rates may change after account is opened. Rate is accurate as of last dividend declaration date. Account opening deposit not required. Fees may reduce earnings on this account. Dividends are compounded and credited monthly and are calculated based on the daily balance method. Excludes ATM and cash transactions. For full terms and conditions, please refer to our Truth in Savings Disclosure. Rate = dividend rate. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Quick Silver Money Market Account	3.11%	3.15%
Min Balance $250,000 Details Qualifications Required: 21+ debit or credit card transactions per month; minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. APY=Annual Percentage Yield. Rates may change after account is opened. Rate is accurate as of last dividend declaration date. Account opening deposit not required. Fees may reduce earnings on this account. Dividends are compounded and credited monthly and are calculated based on the daily balance method. Excludes ATM and cash transactions. For full terms and conditions, please refer to our Truth in Savings Disclosure. Rate = dividend rate. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Quick Silver Money Market Account	2.81%	2.85%
Min Balance $500,000 Details APY=Annual Percentage Yield. Rates may change after account is opened. Rate is accurate as of last dividend declaration date. Account opening deposit not required. Fees may reduce earnings on this account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Quick Silver Money Market Account	2.72%	2.75%
Min Balance $250,000 Details APY=Annual Percentage Yield. Rates may change after account is opened. Rate is accurate as of last dividend declaration date. Account opening deposit not required. Fees may reduce earnings on this account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Quick Silver Money Market Account	2.62%	2.65%
Min Balance $100,000 Details Qualifications Required: 21+ debit or credit card transactions per month; minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. APY=Annual Percentage Yield. Rates may change after account is opened. Rate is accurate as of last dividend declaration date. Account opening deposit not required. Fees may reduce earnings on this account. Dividends are compounded and credited monthly and are calculated based on the daily balance method. Excludes ATM and cash transactions. For full terms and conditions, please refer to our Truth in Savings Disclosure. Rate = dividend rate. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Quick Silver Money Market Account	2.23%	2.25%
Min Balance $100,000 Details APY=Annual Percentage Yield. Rates may change after account is opened. Rate is accurate as of last dividend declaration date. Account opening deposit not required. Fees may reduce earnings on this account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Quick Silver Money Market Account	1.44%	1.45%
Min Balance $75,000 Details Qualifications Required: 21+ debit or credit card transactions per month; minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. APY=Annual Percentage Yield. Rates may change after account is opened. Rate is accurate as of last dividend declaration date. Account opening deposit not required. Fees may reduce earnings on this account. Dividends are compounded and credited monthly and are calculated based on the daily balance method. Excludes ATM and cash transactions. For full terms and conditions, please refer to our Truth in Savings Disclosure. Rate = dividend rate. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Quick Silver Money Market Account	1.39%	1.40%
Min Balance $50,000 Details Qualifications Required: 21+ debit or credit card transactions per month; minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. APY=Annual Percentage Yield. Rates may change after account is opened. Rate is accurate as of last dividend declaration date. Account opening deposit not required. Fees may reduce earnings on this account. Dividends are compounded and credited monthly and are calculated based on the daily balance method. Excludes ATM and cash transactions. For full terms and conditions, please refer to our Truth in Savings Disclosure. Rate = dividend rate. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Quick Silver Money Market Account	1.34%	1.35%
Min Balance $75,000 Details APY=Annual Percentage Yield. Rates may change after account is opened. Rate is accurate as of last dividend declaration date. Account opening deposit not required. Fees may reduce earnings on this account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Quick Silver Money Market Account	1.29%	1.30%
Min Balance $50,000 Details APY=Annual Percentage Yield. Rates may change after account is opened. Rate is accurate as of last dividend declaration date. Account opening deposit not required. Fees may reduce earnings on this account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Quick Silver Money Market Account	1.24%	1.25%
Min Balance $20,000 Details APY=Annual Percentage Yield. Rates may change after account is opened. Rate is accurate as of last dividend declaration date. Account opening deposit not required. Fees may reduce earnings on this account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Quick Silver Money Market Account	0.50%	0.50%
Min Balance $10,000 Details Qualifications Required: 21+ debit or credit card transactions per month; minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. APY=Annual Percentage Yield. Rates may change after account is opened. Rate is accurate as of last dividend declaration date. Account opening deposit not required. Fees may reduce earnings on this account. Dividends are compounded and credited monthly and are calculated based on the daily balance method. Excludes ATM and cash transactions. For full terms and conditions, please refer to our Truth in Savings Disclosure. Rate = dividend rate. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Quick Silver Money Market Account	0.40%	0.40%
Min Balance $10,000 Details APY=Annual Percentage Yield. Rates may change after account is opened. Rate is accurate as of last dividend declaration date. Account opening deposit not required. Fees may reduce earnings on this account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Quick Silver Money Market Account	0.30%	0.30%
Min Balance $5,000 Details APY=Annual Percentage Yield. Rates may change after account is opened. Rate is accurate as of last dividend declaration date. Account opening deposit not required. Fees may reduce earnings on this account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
Quick Silver Money Market Account	0.25%	0.25%
Min Balance $0 Details APY=Annual Percentage Yield. Rates may change after account is opened. Rate is accurate as of last dividend declaration date. Account opening deposit not required. Fees may reduce earnings on this account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%

Empeople Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
15 Year Fixed Mortgage	5.63%	$625 Discount Points	6.04%	15 Year
Details Rates quoted are based on a purchase transaction with a loan-to-value of 70%, primary residence, and a credit score of 760 or higher. Actual rates may be higher depending on the loan amount, loan purpose, credit history or loan-to-value. All interest rates, APRs, and costs are indications only and are subject to change without notice. Contact your Empeople Loan Originator for more information. Payments are only examples. Taxes & insurance premiums are not included in the payment, if included the actual payment obligation will be greater. Rates may vary based on loan size & geographical location. Loans with a loan to value greater than 80% may require private mortgage insurance, which will increase the monthly payment amount. Cost equals discount points paid. Payments are based upon a purchase transaction with a loan-to-value of 70%, 1-unit primary residence, and a credit score of 760 or higher. Taxes & insurance premiums are not included in the payment, if included the actual payment obligation will be greater. Interest rates and payments may increase after consummation. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
7/1 ARM Mortgage	5.88%	0 Discount Points	6.41%
Details Rates quoted are based on a purchase transaction with a loan-to-value of 70%, primary residence, and a credit score of 760 or higher. Actual rates may be higher depending on the loan amount, loan purpose, credit history or loan-to-value. All interest rates, APRs, and costs are indications only and are subject to change without notice. Contact your Empeople Loan Originator for more information. Payments are only examples. Taxes & insurance premiums are not included in the payment, if included the actual payment obligation will be greater. Rates may vary based on loan size & geographical location. Loans with a loan to value greater than 80% may require private mortgage insurance, which will increase the monthly payment amount. Cost equals discount points paid. 7/1 Adjustable-Rate Mortgages (ARM) offer a fixed rate at the advertised APR for the first seven years of the loan and may vary every year after the fixed period for a total of 360 payments (30-year term). Your rate will change every 12 months by no more than 2 percentage points up or down, never exceeding 5 percentage points above the initial rate and the lowest your rate can be is the initial rate. When the rate adjusts, your new rate will be based on the current index (the weekly average yield on United States Treasury securities adjusted to a constant maturity of one year, as made available by the Board of Governors of the Federal Reserve System) plus a margin of 2.75% rounded to the nearest one-eighth as long as the total adjustment does not exceed the 2.00% adjustment cap. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
5/1 ARM Mortgage	5.63%	0 Discount Points	6.41%
Details Rates quoted are based on a purchase transaction with a loan-to-value of 70%, primary residence, and a credit score of 760 or higher. Actual rates may be higher depending on the loan amount, loan purpose, credit history or loan-to-value. All interest rates, APRs, and costs are indications only and are subject to change without notice. Contact your Empeople Loan Originator for more information. Payments are only examples. Taxes & insurance premiums are not included in the payment, if included the actual payment obligation will be greater. Rates may vary based on loan size & geographical location. Loans with a loan to value greater than 80% may require private mortgage insurance, which will increase the monthly payment amount. Cost equals discount points paid. 5/1 Adjustable-Rate Mortgages (ARM) offer a fixed rate at the advertised APR for the first five years of the loan and may vary every year after the fixed period for a total of 360 payments (30-year term). Your rate will change every 12 months by no more than 2 percentage points up or down, never exceeding 5 percentage points above the initial rate and the lowest your rate can be is the initial rate. When the rate adjusts, your new rate will be based on the current index (the weekly average yield on United States Treasury securities adjusted to a constant maturity of one year, as made available by the Board of Governors of the Federal Reserve System) plus a margin of 2.75% rounded to the nearest one-eighth as long as the total adjustment does not exceed the 2.00% adjustment cap. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
20 Year Fixed Mortgage	6.13%	$625 Discount Points	6.47%	20 Year
Details Rates quoted are based on a purchase transaction with a loan-to-value of 70%, primary residence, and a credit score of 760 or higher. Actual rates may be higher depending on the loan amount, loan purpose, credit history or loan-to-value. All interest rates, APRs, and costs are indications only and are subject to change without notice. Contact your Empeople Loan Originator for more information. Payments are only examples. Taxes & insurance premiums are not included in the payment, if included the actual payment obligation will be greater. Rates may vary based on loan size & geographical location. Loans with a loan to value greater than 80% may require private mortgage insurance, which will increase the monthly payment amount. Cost equals discount points paid. Payments are based upon a purchase transaction with a loan-to-value of 70%, 1-unit primary residence, and a credit score of 760 or higher. Taxes & insurance premiums are not included in the payment, if included the actual payment obligation will be greater. Interest rates and payments may increase after consummation. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
3/1 ARM Mortgage	5.38%	0 Discount Points	6.51%
Details Rates quoted are based on a purchase transaction with a loan-to-value of 70%, primary residence, and a credit score of 760 or higher. Actual rates may be higher depending on the loan amount, loan purpose, credit history or loan-to-value. All interest rates, APRs, and costs are indications only and are subject to change without notice. Contact your Empeople Loan Originator for more information. Payments are only examples. Taxes & insurance premiums are not included in the payment, if included the actual payment obligation will be greater. Rates may vary based on loan size & geographical location. Loans with a loan to value greater than 80% may require private mortgage insurance, which will increase the monthly payment amount. Cost equals discount points paid. 3/1 Adjustable-Rate Mortgages (ARM) offer a fixed rate at the advertised APR for the first three years of the loan and may vary every year after the fixed period for a total of 360 payments (30-year term). Your rate will change every 12 months by no more than 2 percentage points up or down, never exceeding 6 percentage points above the initial rate and the lowest your rate can be is the initial rate. When the rate adjusts, your new rate will be based on the current index (the weekly average yield on United States Treasury securities adjusted to a constant maturity of one year, as made available by the Board of Governors of the Federal Reserve System) plus a margin of 2.75% rounded to the nearest one-eighth as long as the total adjustment does not exceed the 2.00% adjustment cap. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%
30 Year Fixed Mortgage	6.38%	$250 Discount Points	6.65%	30 Year
Details Rates quoted are based on a purchase transaction with a loan-to-value of 70%, primary residence, and a credit score of 760 or higher. Actual rates may be higher depending on the loan amount, loan purpose, credit history or loan-to-value. All interest rates, APRs, and costs are indications only and are subject to change without notice. Contact your Empeople Loan Originator for more information. Payments are only examples. Taxes & insurance premiums are not included in the payment, if included the actual payment obligation will be greater. Rates may vary based on loan size & geographical location. Loans with a loan to value greater than 80% may require private mortgage insurance, which will increase the monthly payment amount. Cost equals discount points paid. Payments are based upon a purchase transaction with a loan-to-value of 70%, 1-unit primary residence, and a credit score of 760 or higher. Taxes & insurance premiums are not included in the payment, if included the actual payment obligation will be greater. Interest rates and payments may increase after consummation. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%

Empeople Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
72 Month New Auto Loans	-	-	4.84%	72 Month
Details Qualifications Required: Over $1,500 in direct deposit into a checking account within the last 30 days; 21 or more debit or credit transactions per month; Rates displayed include the additional All-In Member Pricing interest rate discount up to 0.50% APR. Required: Over $1,500 in direct deposit into a checking account within the last 30 days and 21 or more debit or credit transactions per month. The rate listed indicates automatic payment made electronically. Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method). Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.85%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

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 270

Part-Time Employees 4

Branch Locations 35

ATM Locations 34

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

6.85%

Return on Assets (ROA)

0.3192%

Return on Equity (ROE)

3.9925%

Non-Performing Loans Ratio (NPL)

0.68%

Total Assets

2,197,130,269

Total Amount of Shares and Deposits

1,920,428,018

Total Shares and Deposits < 1 Year

1,817,806,152

Total Shares and Deposits 1 3 Years

94,527,520

Total Shares and Deposits > 3 Years

8,094,346

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

307,222,451

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

307,222,451

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

1,613,205,567

Total Interest Expense (Sum of items 6 8)

42,980,222

Share Certificates

18,083

Number of Accounts for Share Drafts

58,522

IRA KEOGH Accounts

3,311

Number of Accounts for Regular Shares

152,687

All other shares

1,246

Money Market Shares

18,236

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)

91,577,371

Total Liabilities

2,023,511,566

Source: NCUA — Last Updated 09/30/2025

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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.