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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Earthmover Credit Union Rates & Review April 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: March 25, 2026
Earthmover Credit Union's money market rates are at 1.05%. Earthmover Credit Union's 15 Year Fixed rates are at 5.88%, 30 Year Fixed VA rates are at 6.12%, 30 Year Fixed rates are at 6.38%, 30 Year Fixed First-Time Homebuyer rates are at 6.38%, 30 Year Fixed FHA rates are at 5.88%. 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 2.48%. Rates were last updated on 03/25/2026. 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. 
Earthmover Credit Union Savings Rates
Earthmover Credit Union Money Market Rates
Earthmover Credit Union Checking Rates
Earthmover Credit Union Mortgage Rates
Earthmover Credit Union Credit Card Rates
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
Kelly McDonough
Full-Time Employees
84
Part-Time Employees
8
Branch Locations
7
ATM Locations
6
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.48%
Return on Assets (ROA)
0.9270%
Return on Equity (ROE)
4.7903%
Non-Performing Loans Ratio (NPL)
0.83%
Total Assets
447,315,041
Total Amount of Shares and Deposits
364,734,861
Total Shares and Deposits < 1 Year
361,076,706
Total Shares and Deposits 1 3 Years
3,422,319
Total Shares and Deposits > 3 Years
235,836
Total Interest Expense (Sum of items 6 8)
2,950,712
Share Certificates
2,170
Number of Accounts for Share Drafts
18,875
IRA KEOGH Accounts
585
Number of Accounts for Regular Shares
33,544
Money Market Shares
713
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
42,273,618
Total Liabilities
367,927,285
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Earthmover Credit UnionIs Earthmover Credit Union a safe place to deposit money?Yes, Earthmover Credit Union is considered a safe financial institution. With a Texas Ratio of 2.4777722162809%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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. Current Earthmover Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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