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 Earthmover Credit Union Rates & Review September 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: September 22, 2026
Earthmover Credit Union's 9 Month CD Special rates are at 3.75%, 12 Month CD Special rates are at 3.50%, 18 Month CD Special rates are at 3.40%, CDs & IRAs - 60 Month IRA rates are at 1.65%, CDs & IRAs - 60 Month rates are at 1.60%. Earthmover Credit Union's money market rates are at 1.05%. Earthmover Credit Union's 15 Year Fixed Rate Conventional rates are at 6.50%, 30 Year Fixed VA rates are at 6.62%, 30 Year Fixed Rate Conventional rates are at 7.00%, 30 Year Fixed First-Time Homebuyer Rate HomeReady rates are at 7.12%, 30 Year Fixed FHA rates are at 6.50%. Earthmover Credit Union's Personal Loan Rates are as low as 10.74%. Earthmover Credit Union's Credit Card Rates are at 12.90%. 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 1.77%. Rates last updated and verified on 09/22/2026. 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 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 1.13% in Q2 2023 to 1.77% in Q1 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
85
Part-Time Employees
14
Branch Locations
6
ATM Locations
5
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
1.77%
Return on Assets (ROA)
0.3129%
Return on Equity (ROE)
1.6514%
Non-Performing Loans Ratio (NPL)
0.63%
Total Assets
473,088,179
Total Amount of Shares and Deposits
388,438,799
Total Shares and Deposits < 1 Year
385,793,486
Total Shares and Deposits 1 3 Years
2,333,343
Total Shares and Deposits > 3 Years
311,970
Total Interest Expense (Sum of items 6 8)
903,175
Share Certificates
1,951
Number of Accounts for Share Drafts
19,396
IRA KEOGH Accounts
575
Number of Accounts for Regular Shares
33,474
Money Market Shares
718
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)
42,460,571
Total Liabilities
390,648,997
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Earthmover Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Earthmover Credit Union
Frequently Asked Questions About Earthmover Credit UnionHow 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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