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Empeople Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/21/2025
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
APY APY = Annual Percentage Yield Rates as of 5/21/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/21/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/21/2025
4.30%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/21/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/21/2025
4.36%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/21/2025
3.60%
Our Rating
4.2  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 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 6th largest credit union in the state of Illinois. It is also the 220th largest credit union in the nation. It was established in 1935 and as of December of 2024, it had grown to 258 employees and 77,317 members at 31 locations. Empeople Credit Union's money market rates are 8X 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 Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #68598
Year Chartered1935
Employees258
Primary Regulator
Profit Margin
Return on Assets - YTD0.25%
Return on Equity - YTD3.1%
Annual Interest Income$106.5MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$2.25B$1.99B
LoansQ4 2024vs Q4 2023$1.86B$1.71B
DepositsQ4 2024vs Q4 2023$2.05B$1.8B
Equity CapitalQ4 2024vs Q4 2023$166.2MM$161.2MM
Loan Loss AllowanceQ4 2024vs Q4 2023$15.1MM$12.1MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$11.3MM$10.9MM
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/21/2025
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
APY APY = Annual Percentage Yield Rates as of 5/21/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/21/2025
4.30%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/21/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/21/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/21/2025
4.36%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/21/2025
3.60%
Our Rating
4.2  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 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
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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
3.70%*$500k*-Money Market Account
OTHER TIERS: 0.25% → $0 - $5k | 1.15% → $5k - $10k | 1.25% → $10k - $20k | 2.10% → $20k - $50k | 2.15% → $50k - $75k | 2.20% → $75k - $100k | 3.10% → $100k - $250k | 3.60% → $250k - $500k
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
4.40%$500-9 Month Share Certificate
4.25%$500-24 Month Share Certificate
4.25%$500-24 Month HSA Share Certificate
4.00%$500-12 Month Share Certificate
4.00%$500-12 Month HSA Share Certificate
3.95%$5k-3 Month Share Certificate
3.95%$5k-3 Month HSA Share Certificate
3.90%$500-6 Month Share Certificate
3.90%$500-6 Month HSA Share Certificate
3.75%$500-18 Month Share Certificate
3.75%$500-18 Month HSA Share Certificate
2.50%$500-36 Month Share Certificate
2.50%$500-48 Month Share Certificate
2.50%$500-60 Month Share Certificate
2.50%$500-36 Month HSA Share Certificate
2.50%$500-48 Month HSA Share Certificate
2.50%$500-60 Month HSA Share Certificate

Empeople Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.40%$500-9 Month IRA Certificate
4.25%$500-24 Month IRA Certificate
4.00%$500-12 Month IRA Certificate
3.95%$5k-3 Month IRA Certificate
3.90%$500-6 Month IRA Certificate
3.75%$500-18 Month IRA Certificate
2.50%$500-36 Month IRA Certificate
2.50%$500-48 Month IRA Certificate
2.50%$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

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