What are the current interest rates at Empeople Credit Union?

Current rates for Empeople Credit Union include: 12-Month CD: 4.30%, 18-Month CD: 4.40%, 24-Month CD: 4.25%, 60-Month CD: 3.50%, Savings: 3.25%, MMA: 3.40%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Empeople Credit Union

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Empeople Credit Union Rates & Review October 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: October 10, 2026

Empeople Credit Union's top rates as of October 10, 2026 are 4.40% APY on its 18 Month CD, 3.25% APY on savings, 3.40% APY on money market accounts, 6.12% on its 3/1 ARM Mortgage, and personal loans from 14.99% APR, according to rates verified by MonitorBankRates. Other Empeople Credit Union CD rates include 12 Month CD at 4.30%, 24 Month CD at 4.25%, and 6 Month CD at 4.10%. Other Empeople Credit Union mortgage rates include 15 Year Fixed Mortgage at 6.38%, 5/1 ARM Mortgage at 6.38%, and 7/1 ARM Mortgage at 6.62%. 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 5.75%. Rates last updated and verified on 10/10/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.75%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Empeople Credit Union
Main Office - Moline

3950 38th Ave
Moline, IL 61265-6471

https://www.deereemployeescu.com

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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.

Empeople Credit Union CD Rates

Product	Rate	APY	Term
18 Month Certificate	4.31%	4.40%	18 Month
Min Deposit $500 Details HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. 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 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20% Sep 27, 20264.40%▲ from 4.20% Sep 14, 20264.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
12 Month Certificate	4.22%	4.30%	12 Month
Min Deposit $500 Details HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. 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 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.25% → 4.30% ▲ 0.05 pts · high 4.30% / low 4.25% Sep 27, 20264.30%▲ from 4.25% Sep 14, 20264.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
24 Month Certificate	4.17%	4.25%	24 Month
Min Deposit $500 Details HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. 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 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15% Sep 27, 20264.25%▲ from 4.15% Sep 14, 20264.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
6 Month Certificate	4.03%	4.10%	6 Month
Min Deposit $500 Details HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. 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 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00% Sep 27, 20264.10%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
36 Month Certificate	3.93%	4.00%	36 Month
Min Deposit $500 Details HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. 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 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 1, 20264.00%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
3 Month Certificate	3.69%	3.75%	3 Month
Min Deposit $5,000 Details HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. 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 10/10/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
48 Month Certificate	3.69%	3.75%	48 Month
Min Deposit $500 Details HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. 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 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50% Oct 1, 20263.75%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
60 Month Certificate	3.45%	3.50%	60 Month
Min Deposit $500 Details HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. 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 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00% Oct 1, 20263.50%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%

Empeople Credit Union Savings Rates

Product	Rate	APY
High Yield Savings	3.20%	3.25%
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000+; Qualifications 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; 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. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted to the account within the last 31 days and be posted to the account by the end of business day of the last day of the month for it to be considered a qualifying transaction. Credit Card transactions must be posted between the 27th of the previous month and the 26th of the current month to be considered a qualifying tran Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 0.30% → 3.25% ▲ 2.95 pts · high 3.25% / low 0.30% Oct 10, 20263.25%▲ from 0.30% Sep 14, 20260.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
High Yield Savings	0.45%	0.45%
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000+; 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. Rate = dividend rate. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 0.30% → 0.45% ▲ 0.15 pts · high 0.45% / low 0.30% Oct 10, 20260.45%▲ from 0.30% Sep 14, 20260.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
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 10/10/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
High Yield Savings	0.15%	0.15%
Min Balance $0 Details Balance: $0 - $4,999.99; 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. Rate = dividend rate. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%

Empeople Credit Union Money Market Rates

Product	Rate	APY
Quick Silver Money Market Account	3.35%	3.40%
Min Balance $500,000 Details Balance: $500,000+; Qualifications 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; 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. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted to the account within the last 31 days and be posted to the account by the end of business day of the last day of the month for it to be considered a qualifying transaction. Credit Card transactions must be posted between the 27th of the previous month and the 26th of the current Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.40% ▲ 0.15 pts · high 3.40% / low 3.25% Oct 10, 20263.40%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Quick Silver Money Market Account	3.25%	3.30%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99; Qualifications 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; 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. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted to the account within the last 31 days and be posted to the account by the end of business day of the last day of the month for it to be considered a qualifying transaction. Credit Card transactions must be posted between the 27th of the previous month and the 26th o Last Updated 10/10/2026 Rate History 1 change since Sep 27, 2026 · 3.15% → 3.30% ▲ 0.15 pts · high 3.30% / low 3.15% Oct 10, 20263.30%▲ from 3.15% Sep 27, 20263.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Quick Silver Money Market Account	2.96%	3.00%
Min Balance $500,000 Details Balance: $500,000+; 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. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted to the account within the last 31 days and be posted to the account by the end of business day of the last day of the month for it to be considered a qualifying transaction. Credit Card transactions must be posted between the 27th of the previous month and the 26th of the current month to be considered a qualifying transaction. 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 10/10/2026 Rate History 1 change since Sep 14, 2026 · 2.85% → 3.00% ▲ 0.15 pts · high 3.00% / low 2.85% Oct 10, 20263.00%▲ from 2.85% Sep 14, 20262.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Quick Silver Money Market Account	2.96%	3.00%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Qualifications 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; 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. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted to the account within the last 31 days and be posted to the account by the end of business day of the last day of the month for it to be considered a qualifying transaction. Credit Card transactions must be posted between the 27th of the previous month and the 26th o Last Updated 10/10/2026 Rate History 1 change since Sep 27, 2026 · 2.65% → 3.00% ▲ 0.35 pts · high 3.00% / low 2.65% Oct 10, 20263.00%▲ from 2.65% Sep 27, 20262.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Quick Silver Money Market Account	2.86%	2.90%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99; 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. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted to the account within the last 31 days and be posted to the account by the end of business day of the last day of the month for it to be considered a qualifying transaction. Credit Card transactions must be posted between the 27th of the previous month and the 26th of the current month to be considered a qualifying transaction. 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 10/10/2026 Rate History 1 change since Sep 27, 2026 · 2.75% → 2.90% ▲ 0.15 pts · high 2.90% / low 2.75% Oct 10, 20262.90%▲ from 2.75% Sep 27, 20262.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Quick Silver Money Market Account	2.37%	2.40%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99; 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. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted to the account within the last 31 days and be posted to the account by the end of business day of the last day of the month for it to be considered a qualifying transaction. Credit Card transactions must be posted between the 27th of the previous month and the 26th of the current month to be considered a qualifying transaction. 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 10/10/2026 Rate History 1 change since Sep 27, 2026 · 2.25% → 2.40% ▲ 0.15 pts · high 2.40% / low 2.25% Oct 10, 20262.40%▲ from 2.25% Sep 27, 20262.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Quick Silver Money Market Account	1.59%	1.60%
Min Balance $75,000 Details Balance: $75,000 - $99,999.99; Qualifications 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; 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. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted to the account within the last 31 days and be posted to the account by the end of business day of the last day of the month for it to be considered a qualifying transaction. Credit Card transactions must be posted between the 27th of the previous month and the 26th of Last Updated 10/10/2026 Rate History 1 change since Sep 27, 2026 · 1.45% → 1.60% ▲ 0.15 pts · high 1.60% / low 1.45% Oct 10, 20261.60%▲ from 1.45% Sep 27, 20261.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Quick Silver Money Market Account	1.49%	1.50%
Min Balance $75,000 Details Balance: $75,000 - $99,999.99; 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. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted to the account within the last 31 days and be posted to the account by the end of business day of the last day of the month for it to be considered a qualifying transaction. Credit Card transactions must be posted between the 27th of the previous month and the 26th of the current month to be considered a qualifying transaction. 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 10/10/2026 Rate History 1 change since Sep 27, 2026 · 1.45% → 1.50% ▲ 0.05 pts · high 1.50% / low 1.45% Oct 10, 20261.50%▲ from 1.45% Sep 27, 20261.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Quick Silver Money Market Account	1.49%	1.50%
Min Balance $20,000 Details Balance: $20,000 - $49,999.99; Qualifications 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; 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. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted to the account within the last 31 days and be posted to the account by the end of business day of the last day of the month for it to be considered a qualifying transaction. Credit Card transactions must be posted between the 27th of the previous month and the 26th of Last Updated 10/10/2026 Rate History 1 change since Sep 27, 2026 · 1.35% → 1.50% ▲ 0.15 pts · high 1.50% / low 1.35% Oct 10, 20261.50%▲ from 1.35% Sep 27, 20261.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Quick Silver Money Market Account	1.44%	1.45%
Min Balance $50,000 Details Balance: $50,000 - $74,999.99; 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. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted to the account within the last 31 days and be posted to the account by the end of business day of the last day of the month for it to be considered a qualifying transaction. Credit Card transactions must be posted between the 27th of the previous month and the 26th of the current month to be considered a qualifying transaction. 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 10/10/2026 Rate History 1 change since Sep 27, 2026 · 1.30% → 1.45% ▲ 0.15 pts · high 1.45% / low 1.30% Oct 10, 20261.45%▲ from 1.30% Sep 27, 20261.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Quick Silver Money Market Account	1.39%	1.40%
Min Balance $20,000 Details Balance: $20,000 - $49,999.99; 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. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted to the account within the last 31 days and be posted to the account by the end of business day of the last day of the month for it to be considered a qualifying transaction. Credit Card transactions must be posted between the 27th of the previous month and the 26th of the current month to be considered a qualifying transaction. 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 10/10/2026 Rate History 1 change since Sep 27, 2026 · 1.35% → 1.40% ▲ 0.05 pts · high 1.40% / low 1.35% Oct 10, 20261.40%▲ from 1.35% Sep 27, 20261.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Quick Silver Money Market Account	0.55%	0.55%
Min Balance $10,000 Details Balance: $10,000 - $19,999.99; 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. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted to the account within the last 31 days and be posted to the account by the end of business day of the last day of the month for it to be considered a qualifying transaction. Credit Card transactions must be posted between the 27th of the previous month and the 26th of the current month to be considered a qualifying transaction. 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 10/10/2026 Rate History 1 change since Sep 27, 2026 · 0.50% → 0.55% ▲ 0.05 pts · high 0.55% / low 0.50% Oct 10, 20260.55%▲ from 0.50% Sep 27, 20260.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Quick Silver Money Market Account	0.55%	0.55%
Min Balance $5,000 Details Balance: $5,000 - $9,999.99; Qualifications 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; 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. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted to the account within the last 31 days and be posted to the account by the end of business day of the last day of the month for it to be considered a qualifying transaction. Credit Card transactions must be posted between the 27th of the previous month and the 26th of th Last Updated 10/10/2026 Rate History 1 change since Sep 27, 2026 · 0.40% → 0.55% ▲ 0.15 pts · high 0.55% / low 0.40% Oct 10, 20260.55%▲ from 0.40% Sep 27, 20260.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Quick Silver Money Market Account	0.45%	0.45%
Min Balance $5,000 Details Balance: $5,000 - $9,999.99; 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. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted to the account within the last 31 days and be posted to the account by the end of business day of the last day of the month for it to be considered a qualifying transaction. Credit Card transactions must be posted between the 27th of the previous month and the 26th of the current month to be considered a qualifying transaction. 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 10/10/2026 Rate History 1 change since Sep 27, 2026 · 0.40% → 0.45% ▲ 0.05 pts · high 0.45% / low 0.40% Oct 10, 20260.45%▲ from 0.40% Sep 27, 20260.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Quick Silver Money Market Account	0.40%	0.40%
Min Balance $0 Details Balance: $0 - $4,999.99; 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. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted to the account within the last 31 days and be posted to the account by the end of business day of the last day of the month for it to be considered a qualifying transaction. Credit Card transactions must be posted between the 27th of the previous month and the 26th of the current month to be considered a qualifying transaction. 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 10/10/2026 Rate History 1 change since Sep 27, 2026 · 0.25% → 0.40% ▲ 0.15 pts · high 0.40% / low 0.25% Oct 10, 20260.40%▲ from 0.25% Sep 27, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%

Empeople Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
15 Year Fixed Mortgage	6.375%	875.000	6.849%
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. Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 6.88% → 6.85% ▼ 0.03 pts · high 7.65% / low 6.85% Oct 10, 20266.85%▼ from 7.65% Oct 2, 20267.65%▲ from 6.88% Sep 14, 20266.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
5/1 ARM Mortgage	6.375%	0.000	6.936%	360 months
Details Term: 360 payments (30-year term); 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. Payment Examples 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 Last Updated 10/10/2026 Rate History 2 changes since Sep 18, 2026 · 6.51% → 6.94% ▲ 0.42 pts · high 6.94% / low 6.51% Oct 10, 20266.94%▲ from 6.81% Sep 22, 20266.81%▲ from 6.51% Sep 18, 20266.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
3/1 ARM Mortgage	6.125%	0.000	6.976%	360 months
Details Term: 360 payments (30-year term); 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. Payment Examples 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 Last Updated 10/10/2026 Rate History 2 changes since Sep 18, 2026 · 6.57% → 6.98% ▲ 0.41 pts · high 6.98% / low 6.57% Oct 10, 20266.98%▲ from 6.85% Sep 22, 20266.85%▲ from 6.57% Sep 18, 20266.57%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
7/1 ARM Mortgage	6.625%	0.000	6.978%	360 months
Details Term: 360 payments (30-year term); 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. Payment Examples 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 Last Updated 10/10/2026 Rate History 2 changes since Sep 18, 2026 · 6.54% → 6.98% ▲ 0.44 pts · high 6.98% / low 6.54% Oct 10, 20266.98%▲ from 6.85% Sep 22, 20266.85%▲ from 6.54% Sep 18, 20266.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
20 Year Fixed Mortgage	6.875%	1000.000	7.281%
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. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.93% → 7.28% ▲ 0.35 pts · high 7.28% / low 6.93% Oct 10, 20267.28%▲ from 6.93% Sep 14, 20266.93%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
30 Year Fixed Mortgage	7.00%	875.000	7.301%
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. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.79% → 7.30% ▲ 0.51 pts · high 7.30% / low 6.79% Oct 10, 20267.30%▲ from 6.79% Sep 14, 20266.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%

Empeople Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto/Motorcycle Loans	-	-	4.74%	60 Month
Details Qualifications 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; Rates displayed include the additional All-In Member Pricing interest rate discount up to 0.50% APR. All-In Member Pricing Requirements : 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. Term is based on vehicle age, value & amount financed. The Annual Percentage Rate (APR) you receive will be based upon credit scoring criteria, loan to value ratio, mileage and collateral. Subject to credit approval. Rates, terms, & conditions subject to change at any time. Min. loan amount is $500. 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). Members must maintain an open consumer checking account within the same membership. A minimum of $1, 500 in direct deposit(s) and/or mobile deposit within the last 31 days into any share account within the same membership, excluding Money Market accounts, Health Savings Accounts and Share Certificates. Transaction count is NOT a combination of debit and credit card transactions. Debit card transactions must be posted to the account within the calendar month for it to be considered a qualifying transaction. Credit card transactions must be posted between the 27th day of the previous month and the 26th day of the current month to be considered a qualifying transaction. Excludes ATM and cash transactions. Payments listed are only examples. Payment examples are based off a new auto loan with the term & APR listed above calculating the payment per $1,000. Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 4.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Used Auto/Motorcycle Loans	-	-	4.89%	60 Months
Details Qualifications 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; Rates shown are for model years 2022-2023 and include the All-In Member Pricing interest rate discount of up to 0.50% APR. Rates for 2021 and older models may be higher. All-In Member Pricing Requirements : 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. Term is based on vehicle age, value & amount financed. The Annual Percentage Rate (APR) you receive will be based upon credit scoring criteria, loan to value ratio, mileage and collateral. Subject to credit approval. Rates, terms, & conditions subject to change at any time. Min. loan amount is $500. 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). Rates for model years 2021 and older may be higher. Members must maintain an open consumer checking account within the same membership. A minimum of $1, 500 in direct deposit(s) and/or mobile deposit within the last 31 days into any share account within the same membership, excluding Money Market accounts, Health Savings Accounts and Share Certificates. Transaction count is NOT a combination of debit and credit card transactions. Debit card transactions must be posted to the account within the calendar month for it to be considered a qualifying transaction. Credit card transactions must be posted between the 27th day of the previous month and the 26th day of the current month to be considered a qualifying transaction. Excludes ATM and cash transactions. Payments listed are only examples. Payment examples are based off a used auto loan with the term & APR listed above calculating the payment per $1,000. Rates displayed are for model years 2022-2023. Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 4.89% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
New Auto/Motorcycle Loans	-	-	4.99%	72 Month
Details Qualifications 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; Rates displayed include the additional All-In Member Pricing interest rate discount up to 0.50% APR. All-In Member Pricing Requirements : 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. Term is based on vehicle age, value & amount financed. The Annual Percentage Rate (APR) you receive will be based upon credit scoring criteria, loan to value ratio, mileage and collateral. Subject to credit approval. Rates, terms, & conditions subject to change at any time. Min. loan amount is $500. 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). Members must maintain an open consumer checking account within the same membership. A minimum of $1, 500 in direct deposit(s) and/or mobile deposit within the last 31 days into any share account within the same membership, excluding Money Market accounts, Health Savings Accounts and Share Certificates. Transaction count is NOT a combination of debit and credit card transactions. Debit card transactions must be posted to the account within the calendar month for it to be considered a qualifying transaction. Credit card transactions must be posted between the 27th day of the previous month and the 26th day of the current month to be considered a qualifying transaction. Excludes ATM and cash transactions. Payments listed are only examples. Payment examples are based off a new auto loan with the term & APR listed above calculating the payment per $1,000. Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Used Auto/Motorcycle Loans	-	-	5.14%	72 Months
Details Qualifications 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; Rates shown are for model years 2022-2023 and include the All-In Member Pricing interest rate discount of up to 0.50% APR. Rates for 2021 and older models may be higher. All-In Member Pricing Requirements : 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. Term is based on vehicle age, value & amount financed. The Annual Percentage Rate (APR) you receive will be based upon credit scoring criteria, loan to value ratio, mileage and collateral. Subject to credit approval. Rates, terms, & conditions subject to change at any time. Min. loan amount is $500. 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). Rates for model years 2021 and older may be higher. Members must maintain an open consumer checking account within the same membership. A minimum of $1, 500 in direct deposit(s) and/or mobile deposit within the last 31 days into any share account within the same membership, excluding Money Market accounts, Health Savings Accounts and Share Certificates. Transaction count is NOT a combination of debit and credit card transactions. Debit card transactions must be posted to the account within the calendar month for it to be considered a qualifying transaction. Credit card transactions must be posted between the 27th day of the previous month and the 26th day of the current month to be considered a qualifying transaction. Excludes ATM and cash transactions. Payments listed are only examples. Payment examples are based off a used auto loan with the term & APR listed above calculating the payment per $1,000. Rates displayed are for model years 2022-2023. Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 5.14% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Payment Saver Auto Loan	-	-	5.49%	60 Months
Details Rates listed are for Autos two years old or newer. Other rates and terms available for autos up to 4 years old. Term is based on vehicle age, value & amount financed. The Annual Percentage Rate (APR) you receive will be based upon credit scoring criteria, loan to value ratio, mileage and collateral. Subject to credit approval. Rates, terms, & conditions subject to change at any time. Min. loan amount is $500. 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). Payments listed are only examples. Payment examples are based off a Payment Saver auto loan with the term & APR listed above calculating the payment per $1,000. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Payment Saver Auto Loan	-	-	5.74%	72 Months
Details Rates listed are for Autos two years old or newer. Other rates and terms available for autos up to 4 years old. Term is based on vehicle age, value & amount financed. The Annual Percentage Rate (APR) you receive will be based upon credit scoring criteria, loan to value ratio, mileage and collateral. Subject to credit approval. Rates, terms, & conditions subject to change at any time. Min. loan amount is $500. 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). Payments listed are only examples. Payment examples are based off a Payment Saver auto loan with the term & APR listed above calculating the payment per $1,000. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%

Empeople Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	14.99%	60-month
Details APR=Annual Percentage Rate. Payments listed are examples only. Payment examples are based on a personal loan with a 60-month term & APR above, calculating the payment per $1,000. Interest rates determined by individual credit history. The "As Low As" rates quoted here are for credit scores of 740+. Rates, terms, & conditions subject to change at any time. The rate listed indicates automatic payment made electronically (not using cash, coupon book or check mailed to credit union to repay your loan). Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method). Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 14.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%

Empeople Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Easy Equity Loan	-	-	6.49%	up to 80%
Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Equity LOC up to 80% CLTV Loan	-	-	6.24%
Details APR=Annual Percentage Rate. CLTV = Combined Loan to Value. Rates, terms, & conditions are subject to change at any time. The "As Low As" rates quoted here are for credit scores of 740+. All home equity loans are valid for loan amounts up to $50,000. Payments listed are examples only. Payment examples are based on a home equity loan with a 120-month term & APR above, calculating the payment per $1,000. All home equity loans require homeowners insurance. Flood insurance is required for properties in a flood zone. Tax & insurance are not included in the payment the actual payment obligation will be greater. The APR for the Line of Credit is variable & may change after the account is opened. Max. rate is 18% APR. Fees for a Line of Credit include an application fee of $424 unless an initial draw is $10,000 or more & a balance of $5,000 is maintained for the first year; appraisal fees may apply & range from $250 - $500; some states may charge an Intangible or Mortgage Registration Tax. This cost varies depending on the state. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.99% → 6.24% ▲ 0.25 pts · high 6.24% / low 5.99% Oct 10, 20266.24%▲ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Equity LOC up to 90% CLTV Loan	-	-	6.49%
Details APR=Annual Percentage Rate. CLTV = Combined Loan to Value. Rates, terms, & conditions are subject to change at any time. The "As Low As" rates quoted here are for credit scores of 740+. All home equity loans are valid for loan amounts up to $50,000. Payments listed are examples only. Payment examples are based on a home equity loan with a 120-month term & APR above, calculating the payment per $1,000. All home equity loans require homeowners insurance. Flood insurance is required for properties in a flood zone. Tax & insurance are not included in the payment the actual payment obligation will be greater. The APR for the Line of Credit is variable & may change after the account is opened. Max. rate is 18% APR. Fees for a Line of Credit include an application fee of $424 unless an initial draw is $10,000 or more & a balance of $5,000 is maintained for the first year; appraisal fees may apply & range from $250 - $500; some states may charge an Intangible or Mortgage Registration Tax. This cost varies depending on the state. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.24% → 6.49% ▲ 0.25 pts · high 6.49% / low 6.24% Oct 10, 20266.49%▲ from 6.24% Sep 14, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Home Improvement Loans	-	-	15.49%	72-month
Details APR=Annual Percentage Rate. Interest rates determined by individual credit history. The "As Low As" rates quoted here are for credit scores of 740+. Rates, terms, & conditions subject to change at any time. Payments listed are only examples. Payment examples are based off a home improvement loan with a 72-month term & APR listed above calculating the payment per $1,000. Tax & insurance are not included in the payment the actual payment obligation will be greater. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 15.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Line of Credit	-	-	17.99%
Details APR=Annual Percentage Rate. Payments listed are examples only. Payment examples are based on a personal loan with a 60-month term & APR above, calculating the payment per $1,000. Interest rates determined by individual credit history. The "As Low As" rates quoted here are for credit scores of 740+. Rates, terms, & conditions subject to change at any time. The rate listed indicates automatic payment made electronically (not using cash, coupon book or check mailed to credit union to repay your loan). Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method). Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 17.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
IRA Accumulation Share	0.25%	-	0.25%
Min Balance $25 Details *Minimum balance requirements: A minimum daily balance of $25.00 must be maintained to obtain the disclosed annual percentage yield. 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. Rate = dividend rate. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Prime & Secondary Share Accounts	0.15%	-	0.15%
Min Deposit $5 Details APY = Annual Percentage Yield. Rates may change after the account is opened. Fees may reduce earnings on account. Rate is accurate as of the last dividend declaration date. Rate = dividend rate. Secondary Share has no minimum balance to obtain disclosed annual percentage yield. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Rise Transaction Account	2.81%	-	2.85%
Min Balance $0 Details Qualifications Required: over 21 debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit within the last 31 days into your Rise Transaction Account; Required: over 21 debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit within the last 31 days into your Rise Transaction Account. APY = Annual Percentage Yield. Rates may change after the account is opened. Fees may reduce earnings on account. Rate is accurate as of last dividend declaration date. Rates and terms subject to change without notice. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted to the account within the last 31 days and be posted to the account by the end of business day of the last day of the month for it to be considered a qualifying transaction. Credit Card transactions must be posted between the 27 of the previous month and the 26 of the current month to be considered a qualifying transaction. Dividends are compounded and credited monthly and are calculated on each split 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. Please note: You must be at least 14 years old to open this account. Last Updated 10/10/2026 Rate History 1 change since Sep 27, 2026 · 2.84% → 2.85% ▲ 0.01 pts · high 2.85% / low 2.84% Oct 10, 20262.85%▲ from 2.84% Sep 27, 20262.84%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Rise Transaction Account	3.06%	-	3.10%
Min Balance $5,000 Details Balance: $5,000 - $9,999.99; Qualifications Required: over 21 debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit within the last 31 days into your Rise Transaction Account; Required: over 21 debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit within the last 31 days into your Rise Transaction Account. APY = Annual Percentage Yield. Rates may change after the account is opened. Fees may reduce earnings on account. Rate is accurate as of last dividend declaration date. Rates and terms subject to change without notice. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted to the account within the last 31 days and be posted to the account by the end of business day of the last day of the month for it to be considered a qualifying transaction. Credit Card transactions must be posted between the 27 of Last Updated 10/10/2026 Rate History 1 change since Sep 27, 2026 · 3.09% → 3.10% ▲ 0.01 pts · high 3.10% / low 3.09% Oct 10, 20263.10%▲ from 3.09% Sep 27, 20263.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Rise Transaction Account	3.93%	-	4.00%
Min Balance $10,000 Details Balance: $10,000 - $19,999.99; Qualifications Required: over 21 debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit within the last 31 days into your Rise Transaction Account; Required: over 21 debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit within the last 31 days into your Rise Transaction Account. APY = Annual Percentage Yield. Rates may change after the account is opened. Fees may reduce earnings on account. Rate is accurate as of last dividend declaration date. Rates and terms subject to change without notice. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted to the account within the last 31 days and be posted to the account by the end of business day of the last day of the month for it to be considered a qualifying transaction. Credit Card transactions must be posted between the 27 o Last Updated 10/10/2026 Rate History 1 change since Sep 27, 2026 · 3.87% → 4.00% ▲ 0.13 pts · high 4.00% / low 3.87% Oct 10, 20264.00%▲ from 3.87% Sep 27, 20263.87%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%
Rise Transaction Account	0.50%	-	0.50%
Min Balance $20,000 Details Balance: $20,000+; Qualifications Required: over 21 debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit within the last 31 days into your Rise Transaction Account; Required: over 21 debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit within the last 31 days into your Rise Transaction Account. APY = Annual Percentage Yield. Rates may change after the account is opened. Fees may reduce earnings on account. Rate is accurate as of last dividend declaration date. Rates and terms subject to change without notice. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted to the account within the last 31 days and be posted to the account by the end of business day of the last day of the month for it to be considered a qualifying transaction. Credit Card transactions must be posted between the 27 of the previo Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.75%

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.
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Financial Health History

Empeople Credit Union’s Texas Ratio fell from 6.91% in Q3 2023 to 5.75% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$2.3B	5.75%	5.0	A+
March 31, 2026	$2.3B	4.55%	5.0	A+
December 31, 2025	$2.3B	5.33%	5.0	A+
September 30, 2025	$2.2B	6.85%	5.0	A
June 30, 2025	$2.1B	6.56%	5.0	A
March 31, 2025	$2.2B	4.72%	5.0	A+
December 31, 2024	$2.2B	6.16%	5.0	A
September 30, 2024	$1.9B	7.04%	5.0	A
June 30, 2024	$2.0B	5.16%	5.0	A+
March 31, 2024	$2.0B	4.28%	5.0	A+
December 31, 2023	$2.0B	6.21%	5.0	A
September 30, 2023	$2.0B	6.91%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

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 274

Part-Time Employees 4

Branch Locations 36

ATM Locations 33

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

5.75%

Return on Assets (ROA)

0.3700%

Return on Equity (ROE)

4.4665%

Non-Performing Loans Ratio (NPL)

0.59%

Total Assets

2,262,449,386

Total Amount of Shares and Deposits

2,046,609,498

Total Shares and Deposits < 1 Year

1,995,590,156

Total Shares and Deposits 1 3 Years

46,962,507

Total Shares and Deposits > 3 Years

4,056,834

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

341,764,360

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

341,764,360

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

1,704,845,138

Total Interest Expense (Sum of items 6 8)

28,350,931

Share Certificates

18,935

Number of Accounts for Share Drafts

58,375

IRA KEOGH Accounts

3,211

Number of Accounts for Regular Shares

133,682

All other shares

1,568

Money Market Shares

20,218

Net Income (unless the amount is already included in Undivided Earnings)

8,371,627

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)

100,388,685

Total Liabilities

2,076,387,941

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Empeople Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

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Total Reviews

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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.

Current Empeople Credit Union Rates

12-Month CD4.30%
18-Month CD4.40%
24-Month CD4.25%
60-Month CD3.50%
Savings3.25%
MMA3.40%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Empeople Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Empeople Credit Union Texas Ratio

Empeople Credit Union Health Trend

Empeople Credit Union CD Rates

Empeople Credit Union Savings Rates

Empeople Credit Union Money Market Rates

Empeople Credit Union Mortgage Rates

Empeople Credit Union Auto Loan Rates

Empeople Credit Union Personal Loan Rates

Empeople Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Empeople Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Empeople Credit Union

How many branches does Empeople Credit Union operate?

Is a member application needed to join Empeople Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Empeople Credit Union offer online and mobile banking?

Current Empeople Credit Union Rates

Compare to Other Credit Unions