Advertising Disclosure
  1. Home
  2. Banks
  3. Empeople Credit Union

Empeople Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
empeople.com
309-743-1000
3950 38th Ave
Moline, IL 61265

Empeople Credit Union is headquartered in Moline and is the 7th largest credit union in the state of Illinois. It is also the 233rd largest credit union in the nation. It was established in 1935 and as of March of 2025, it had grown to 258 employees and 76,583 members at 31 locations. Empeople Credit Union's CD rates are 5X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Empeople Credit Union is open to the residents of Cumberland County and York County, Maine, and the City of Bangor, Maine. Employees and retirees of John Deere and wholly owned subsidiaries, dealers, or joint ventures with John Deere are also eligible to join. Immediate family of a current Empeople Credit Union member are welcome to apply.
See current membership details

Reviews (1)

Empeople CU Is Garbage!

Posted by: |

Unfortunately my Credit Union of over 40 years decided to merge with Empeople not too long ago. On the surface, this seemed like a good move. They would become more modern by actually having mobile deposits and utilizing Zelle to transfer monies. However, I just got jammed with an overdraft fee that I have NEVER encountered in my time with the other credit union. I called to find out what happened and the customer service person (who was very kind and helpful) explained that this is what Empeople does...charge you for overdraft. What??? That's the whole purpose of having overdraft protection...so you don't get hit with fees. I had (more than enough) money in my savings to cover the difference. I could see being charged a fee if I didn't have the money and they had to 'cover me' until I deposited enough to cover the amount. Also, a nice feature they let die...branch sharing. Now there are no local branches where I can easily do my banking with them. I'll be moving my business elsewhere for sure.

1


Health
B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #68598
Year Chartered1935
Employees258
Primary Regulator
Profit Margin
Return on Assets - YTD0.49%
Return on Equity - YTD6.43%
Annual Interest Income$28.8MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$2.18B$1.99B
LoansQ1 2025vs Q1 2024$1.85B$1.68B
DepositsQ1 2025vs Q1 2024$1.98B$1.8B
Equity CapitalQ1 2025vs Q1 2024$169.1MM$162.8MM
Loan Loss AllowanceQ1 2025vs Q1 2024$15.1MM$10.9MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$8.8MM$7.6MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
Skip to rates for:
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not Empeople Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Empeople Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.25%*$5k*-High-Yield Savings Account - 21+ transactions per month
OTHER TIERS: 0.25% → $0 - $5k
0.75%*$5k*-High-Yield Savings Account - 0-20 transactions per month
OTHER TIERS: 0.25% → $0 - $5k
0.50%$0-Health Savings Account
0.50%$0-Owner Participation Account
0.15%$5-Prime Share Account

Empeople Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.40%*$500k*-Quick Silver Money Market Account - 21+ transactions per month
OTHER TIERS: 0.25% → $0 - $5k | 0.85% → $5k - $10k | 0.95% → $10k - $20k | 1.80% → $20k - $50k | 1.85% → $50k - $75k | 1.90% → $75k - $100k | 2.80% → $100k - $250k | 3.30% → $250k - $500k
3.30%*$500k*-Quick Silver Money Market Account - 0-20 transactions per month
OTHER TIERS: 0.25% → $0 - $5k | 0.75% → $5k - $10k | 0.85% → $10k - $20k | 1.70% → $20k - $50k | 1.75% → $50k - $75k | 1.80% → $75k - $100k | 2.70% → $100k - $250k | 3.20% → $250k - $500k

Empeople Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.88%*$10k*-Checking - 31+ transactions per month
OTHER TIERS: 3.30% → $0 - $5k | 3.43% → $5k - $10k
2.85%*$10k*-Checking - 21+ transactions per month
OTHER TIERS: 2.27% → $0 - $5k | 2.40% → $5k - $10k
0.10%$0-Checking - Basic

Empeople Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.35%$5k-3 Month Share Certificate
4.35%$5k-3 Month HSA Share Certificate
4.30%$500-6 Month Share Certificate
4.30%$500-6 Month HSA Share Certificate
4.25%$500-12 Month Share Certificate
4.25%$500-12 Month HSA Share Certificate
4.20%$500-18 Month Share Certificate
4.20%$500-18 Month HSA Share Certificate
3.75%$500-24 Month Share Certificate
3.75%$500-24 Month HSA Share Certificate
3.50%$500-36 Month Share Certificate
3.50%$500-36 Month HSA Share Certificate
3.25%$500-48 Month Share Certificate
3.25%$500-48 Month HSA Share Certificate
3.00%$500-60 Month Share Certificate
3.00%$500-60 Month HSA Share Certificate

Empeople Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.35%$5k-3 Month IRA Certificate
4.30%$500-6 Month IRA Certificate
4.25%$500-12 Month IRA Certificate
4.20%$500-18 Month IRA Certificate
3.75%$500-24 Month IRA Certificate
3.50%$500-36 Month IRA Certificate
3.25%$500-48 Month IRA Certificate
3.00%$500-60 Month IRA Certificate
0.50%*$100k*-IRA Accumulation Account
OTHER TIERS: 0.35% → $25 - $50k | 0.40% → $50k - $100k
0.50%*$100k*-IRA Builder Account
OTHER TIERS: 0.35% → $25 - $50k | 0.40% → $50k - $100k
Locations

Availability



The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.