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Advertiser Disclosure
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 Earthmover Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 30, 2026
Earthmover Credit Union's CDs & IRAs - 60 Month rates are at 1.60%, CDs & IRAs - 48 Month rates are at 1.50%, CDs & IRAs - 36 Month rates are at 1.40%, CDs & IRAs - 30 Month rates are at 1.30%, CDs & IRAs - 24 Month rates are at 1.25%. Earthmover Credit Union's money market rates are at 1.50%. Earthmover Credit Union's checking rates are as high as 2.50%. Earthmover Credit Union's Mortgage Purchase - 15 Year Fixed rates are at 6.62%, Mortgage Purchase - 30 Year Fixed rates are at 7.00%, Mortgage Purchase - 30 Year Fixed First-Time Homebuyer rates are at 7.12%, Mortgage Purchase - 30 Year Fixed VA rates are at 6.88%, Mortgage Purchase - 30 Year Fixed FHA rates are at 6.62%. Earthmover Credit Union's Personal Loan Rates are as low as 10.74%. Earthmover Credit Union's Credit Card Rates are at 13.15%. Earthmover Credit Union's CD rates are 61% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Earthmover Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.09%. Rates last updated and verified on 10/30/2026. Earthmover 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 Earthmover Credit Union? Share your experience about Earthmover Credit Union by leaving a review below, or read customer reviews before you decide to use Earthmover Credit Union. Privately insuredNot NCUA Customer Reviews
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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. Earthmover Credit Union CD Rates
Earthmover Credit Union Savings Rates
Earthmover Credit Union Money Market Rates
Earthmover Credit Union Checking Rates
Earthmover Credit Union Mortgage Rates
Earthmover Credit Union Home Equity & HELOC
Earthmover Credit Union Auto Loan Rates
Earthmover Credit Union RV, Boat and Powersport Loan Rates
Earthmover Credit Union Credit Card Rates
Earthmover Credit Union Personal Loan Rates
Earthmover Credit Union Other Rates
Financial Health HistoryEarthmover Credit Union’s Texas Ratio rose from 1.39% in Q3 2023 to 2.09% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Earthmover 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 Earthmover 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 Earthmover Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Earthmover Credit Union
Website
https://www.earthmovercu.com
Address
2195 Baseline Rd,
Oswego, IL 60543-6006
Phone
630-844-4950
Fax
630-896-1489
President
Ronald Westphal
CEO
Janel Cabadas
Full-Time Employees
79
Part-Time Employees
10
Branch Locations
6
ATM Locations
5
NCUA Insured
No, not federally insured
Private Share Insurance
Not federally insured by the NCUA. Deposits are covered by private share insurance instead; contact the credit union for its insurer and coverage limits
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.09%
Return on Assets (ROA)
0.6514%
Return on Equity (ROE)
3.3681%
Non-Performing Loans Ratio (NPL)
0.75%
Total Assets
471,667,405
Total Amount of Shares and Deposits
385,596,748
Total Shares and Deposits < 1 Year
383,353,056
Total Shares and Deposits 1 3 Years
1,812,483
Total Shares and Deposits > 3 Years
431,209
Total Interest Expense (Sum of items 6 8)
1,828,148
Share Certificates
1,877
Number of Accounts for Share Drafts
19,608
IRA KEOGH Accounts
577
Number of Accounts for Regular Shares
33,517
Money Market Shares
721
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
31,895,793
Total Liabilities
388,226,670
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Earthmover Credit UnionDoes Earthmover Credit Union offer CDs?Yes. Earthmover Credit Union current CD rates include its CDs & IRAs - 60 Month at 1.60% APY, its CDs & IRAs - 48 Month at 1.50% APY and its CDs & IRAs - 36 Month at 1.40% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Earthmover Credit Union NCUA insured?No. Earthmover Credit Union is privately insured rather than federally insured, so its CDs are not covered by the NCUA. Deposits are covered by Not federally insured by the NCUA. Deposits are covered by private share insurance instead; contact the credit union for its insurer and coverage limits. Check the coverage terms with the credit union before you open an account. What is the highest CD rate at Earthmover Credit Union?The highest Earthmover Credit Union CD rate is its CD Specials - 9 Month Special at 4.00% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Earthmover Credit Union offer?Earthmover Credit Union CD rates are 1.00% APY for a 12 month CD, 1.15% APY for an 18 month CD, 1.25% APY for a 2 year CD, 1.30% APY for a 30 month CD, 1.40% APY for a 3 year CD, 1.50% APY for a 4 year CD and 1.60% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Earthmover Credit Union for its full lineup. What is the highest money market rate at Earthmover Credit Union?The highest Earthmover Credit Union money market rate is its Money Market at 1.50% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest checking rate at Earthmover Credit Union?The highest Earthmover Credit Union checking rate is its Velocity Checking - Qualified at 2.50% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest 30 year fixed mortgage rate at Earthmover Credit Union?The lowest Earthmover Credit Union 30 year fixed mortgage rate is its Mortgage Purchase - 30 Year Fixed FHA at 6.625%, verified by MonitorBankRates as of October 30, 2026. Earthmover Credit Union mortgage rates are 7.00% for a 30 year mortgage and 6.625% for a 15 year mortgage. What is the lowest auto loan rate at Earthmover Credit Union?The lowest Earthmover Credit Union auto loan rate is its Vehicle Loan at 3.74% APR, verified by MonitorBankRates as of October 30, 2026. Earthmover Credit Union auto loan rates are 3.99% APR for a 24 month auto loan, 4.44% APR for a 36 month auto loan, 5.04% APR for a 48 month auto loan, 5.54% APR for a 60 month auto loan, 5.84% APR for a 72 month auto loan, 8.00% APR for a 120 month auto loan and 8.50% APR for a 180 month auto loan. What is the lowest personal loan rate at Earthmover Credit Union?The lowest Earthmover Credit Union personal loan rate is its Unsecured or Personal Loan at 10.74% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at Earthmover Credit Union?The lowest Earthmover Credit Union credit card APR is its Visa Platinum/ Visa Contour Credit Card at 13.15% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does Earthmover Credit Union operate?Earthmover 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 Earthmover Credit Union?Yes, to access services at Earthmover 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, Earthmover 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, Earthmover Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Earthmover Credit Union offer online and mobile banking?Most modern institutions like Earthmover 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.earthmovercu.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Earthmover Credit Union rates compare?Earthmover Credit Union's CD rates are 61% lower than the MonitorBankRates national average, and it has an A+ health rating. Earthmover Credit Union's top rates are its CD Specials - 9 Month Special at 4.00% APY, its Money Market at 1.50% APY, its Velocity Checking - Qualified at 2.50% APY, its Mortgage Purchase - 15 Year Fixed at 6.625%, its Unsecured or Personal Loan at 10.74% APR and its Visa Platinum/ Visa Contour Credit Card at 13.15% APR, verified by MonitorBankRates on October 30, 2026. Current Earthmover Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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