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Empeople Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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
Empeople Credit Union's 12 Month CD rates are at 4.25%, 18 Month CD rates are at 4.20%, 24 Month CD rates are at 4.15%, 6 Month CD rates are at 4.00%, 3 Month CD rates are at 3.75%. Empeople Credit Union's savings rates are at 0.15%. Empeople Credit Union's money market rates are at 0.25%. Empeople Credit Union's 15 Year Fixed Mortgage rates are at 6.12%, 5/1 ARM Mortgage rates are at 6.25%, 3/1 ARM Mortgage rates are at 6.00%, 7/1 ARM Mortgage rates are at 6.50%, 20 Year Fixed Mortgage rates are at 6.50%. Empeople Credit Union's Auto Loan Rates are as low as 4.74%. 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 4.55%. Rates last updated and verified on 09/22/2026.
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.
Empeople Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Empeople Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
4.55%
ExcellentLower than avg
Empeople Credit Union Texas Ratio
Empeople Credit Union's Texas Ratio is 4.55%, which is considered excellent and is lower than the national average of 6.13%.
Empeople Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
6.84% to 4.55% over 12 quarters, improvingFull history
Star Rating 5.0 to 5.0, Health Grade A to A+
The Texas Ratio for this credit union has improved and is now very strong since Q2 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
DetailsFor 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 Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
18 Month Certificate
4.12%
4.20%
18 Month
Min Deposit$500
DetailsFor 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 Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
24 Month Certificate
4.07%
4.15%
24 Month
Min Deposit$500
DetailsFor 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 Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
6 Month Certificate
3.93%
4.00%
6 Month
Min Deposit$500
DetailsFor 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 Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
3 Month Certificate
3.69%
3.75%
3 Month
Min Deposit$5,000
DetailsFor 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 Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
36 Month Certificate
3.69%
3.75%
36 Month
Min Deposit$500
DetailsFor 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 Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
48 Month Certificate
3.45%
3.50%
48 Month
Min Deposit$500
DetailsFor 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 Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
60 Month Certificate
2.96%
3.00%
60 Month
Min Deposit$500
DetailsFor 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 Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Empeople Credit Union Savings Rates
Product
Rate
APY
View More
Health Savings Account
0.40%
0.40%
DetailsAPY=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 Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
High Yield Savings Account
0.30%
0.30%
Min Deposit$5,000
Min Balance$5,000
DetailsQualifications 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; Level 2: All-In 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 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 Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
High Yield Savings Account
0.15%
0.15%
Min Balance$0
DetailsAPY=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 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 Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Empeople Credit Union Money Market Rates
Product
Rate
APY
View More
Quick Silver Money Market Account
3.20%
3.25%
Min Balance$500,000
DetailsQualifications 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; Level 2: All-In 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 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 Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Quick Silver Money Market Account
3.11%
3.15%
Min Balance$250,000
DetailsQualifications 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; Level 2: All-In 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 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 Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Quick Silver Money Market Account
2.81%
2.85%
Min Balance$500,000
DetailsAPY=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 Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Quick Silver Money Market Account
2.72%
2.75%
Min Balance$250,000
DetailsAPY=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 Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Quick Silver Money Market Account
2.62%
2.65%
Min Balance$100,000
DetailsQualifications 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; Level 2: All-In 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 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 Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Quick Silver Money Market Account
2.23%
2.25%
Min Balance$100,000
DetailsAPY=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 Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Quick Silver Money Market Account
1.44%
1.45%
Min Balance$75,000
DetailsQualifications 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; Level 2: All-In 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 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 Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Quick Silver Money Market Account
1.34%
1.35%
Min Balance$75,000
DetailsAPY=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 Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Quick Silver Money Market Account
1.34%
1.35%
Min Balance$20,000
DetailsQualifications 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; Level 2: All-In 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 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 Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Quick Silver Money Market Account
1.29%
1.30%
Min Balance$50,000
DetailsAPY=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 Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Quick Silver Money Market Account
1.24%
1.25%
Min Balance$20,000
DetailsAPY=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 Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Quick Silver Money Market Account
0.50%
0.50%
Min Balance$10,000
DetailsQualifications 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; Level 2: All-In 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 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 Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Quick Silver Money Market Account
0.40%
0.40%
Min Balance$10,000
DetailsAPY=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 Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Quick Silver Money Market Account
0.40%
0.40%
Min Balance$5,000
DetailsQualifications 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; Level 2: All-In 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 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 Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Quick Silver Money Market Account
0.30%
0.30%
Min Balance$5,000
DetailsAPY=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 Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Quick Silver Money Market Account
0.25%
0.25%
Min Balance$0
DetailsAPY=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 Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Empeople Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
15 Year Fixed Mortgage
6.13%
750
6.57%
15 Year
DetailsRates 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 not included in the payment, if included the actual payment obligation will be greater. Interest rates and payments may increase after consummation.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
5/1 ARM Mortgage
6.25%
0.000
6.81%
30-year
DetailsRates 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 not included in the payment, if included the actual payment obligation will be greater. Interest rates and payments may increase after consummation. 5/1 Adjustable-Rate Mortgages (ARM) offer a fixed rate at the advertised APR for the first five years of the loan and may vary every year after the fixed period for a total of 360 payments (30-year term). Your rate will change every 12 months by no more than 2 percentage points up or down, never exceeding 5 percentage points above the initial rate and the lowest your rate can be is the initial rate. When the rate adjusts, your new rate will be based on the current index (the weekly average yield on United States Treasury securities adjusted to a constant maturity of one year, as made available by the Board of Governors of the Federal Reserve System) plus a margin of 2.75% rounded to the nearest one-eighth as long as the total adjustment does not exceed the 2.00% adjustment cap. Example: For a $200,000 loan at 5.963% APR and discounted rate of 5.125%, the first 60 payments are $1,088.97, with 12 payments at $1,315.05 if the rate were to adjust to 7.125%, 12 payments at $1,553.32 if the rate were to adjust to 9.125%, 12 payments at $1,675.34 if the rate were to adjust to the cap of 10.125%. Example: For a $300,000 loan at 5.935% APR and discounted rate of 5.125%, the first 60 payments are $1,633.46, with 12 payments at $19872.57 if the rate were to adjust to 7.125%, 12 payments at $2,329.97 if the rate were to adjust to 9.125%, 12 payments at $2,513.01 if the rate were to adjust to the cap of 10.125%.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
3/1 ARM Mortgage
6.00%
0.000
6.85%
30-year
DetailsRates 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 not included in the payment, if included the actual payment obligation will be greater. Interest rates and payments may increase after consummation. 3/1 Adjustable-Rate Mortgages (ARM) offer a fixed rate at the advertised APR for the first three years of the loan and may vary every year after the fixed period for a total of 360 payments (30-year term). Your rate will change every 12 months by no more than 2 percentage points up or down, never exceeding 6 percentage points above the initial rate and the lowest your rate can be is the initial rate. When the rate adjusts, your new rate will be based on the current index (the weekly average yield on United States Treasury securities adjusted to a constant maturity of one year, as made available by the Board of Governors of the Federal Reserve System) plus a margin of 2.75% rounded to the nearest one-eighth as long as the total adjustment does not exceed the 2.00% adjustment cap. Example: For a $200,000 loan at 6.084% APR and discounted rate of 4.99%, the first 36 payments are $1,072.42, with 12 payments at $1,310.22 if the rate were to adjust to 6.99%, 12 payments at $1,562.11 if the rate were to adjust to 8.99%, 12 payments at $1,824.56 if the rate were to adjust to the cap of 10.99%. Example: For a $300,000 loan at 6.056% APR and discounted rate of 4.99%, the first 36 payments are $1,608.63, with 12 payments at $1,965.34 if the rate were to adjust to 6.99%, 12 payments at $2,243.16 if the rate were to adjust to 8.99%, 12 payments at $2,736.83 if the rate were to adjust to the cap of 10.99%.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
7/1 ARM Mortgage
6.50%
0.000
6.85%
30-year
DetailsRates 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 not included in the payment, if included the actual payment obligation will be greater. Interest rates and payments may increase after consummation. 7/1 Adjustable-Rate Mortgages (ARM) offer a fixed rate at the advertised APR for the first seven years of the loan and may vary every year after the fixed period for a total of 360 payments (30-year term). Your rate will change every 12 months by no more than 2 percentage points up or down, never exceeding 5 percentage points above the initial rate and the lowest your rate can be is the initial rate. When the rate adjusts, your new rate will be based on the current index (the weekly average yield on United States Treasury securities adjusted to a constant maturity of one year, as made available by the Board of Governors of the Federal Reserve System) plus a margin of 2.75% rounded to the nearest one-eighth as long as the total adjustment does not exceed the 2.00% adjustment cap. Example: For a $200,000 loan at 5.894% APR and discounted rate of 5.250%, the first 84 payments are $1,104.41, with 12 payments at $1,317.98 if the rate were to adjust to 7.250%, 12 payments at $1,541.77 if the rate were to adjust to 9.250%, 12 payments at $1,655.89 if the rate were to adjust to the cap of 10.250%. Example: For a $300,000 loan at 5.867% APR and discounted rate of 5.250%, the first 84 payments are $1,656.81, with 12 payments at $1976.97 if the rate were to adjust to 7.250%, 12 payments at $2,312.66 if the rate were to adjust to 9.250%, 12 payments at $2,483.84 if the rate were to adjust to the cap of 10.250%.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
20 Year Fixed Mortgage
6.50%
1000
6.90%
20 Year
DetailsRates 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 not included in the payment, if included the actual payment obligation will be greater. Interest rates and payments may increase after consummation.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
30 Year Fixed Mortgage
6.75%
1000
7.06%
30 Year
DetailsRates 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 not included in the payment, if included the actual payment obligation will be greater. Interest rates and payments may increase after consummation.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Empeople Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
60 Month New Auto Loans
-
-
4.74%
60 Month
No additional details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Empeople Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Easy Equity Loan up to 80%
-
-
6.49%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
IRA Accumulation Share
0.25%
-
0.25%
Min Deposit$25
Min Balance$25
DetailsAPY = 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. Minimum balance requirements: A minimum daily balance of $25.00 must be maintained to obtain the disclosed annual percentage yield.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Prime & Secondary Share Accounts
0.15%
-
0.15%
Min Deposit$5
DetailsAPY = 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. Minimum $5 deposit required only for Prime Share. Secondary Share has no minimum balance to obtain disclosed annual percentage yield. Rate = dividend rate.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Rise Transaction Account
2.80%
-
2.84%
Min Balance$0
DetailsQualifications 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; Level 2 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 Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Rise Transaction Account
3.05%
-
3.09%
Min Balance$5,000
DetailsQualifications 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; Level 2 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 Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Rise Transaction Account
3.80%
-
3.87%
Min Balance$10,000
DetailsQualifications 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; Level 2 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 Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Rise Transaction Account
0.50%
-
0.50%
Min Balance$20,000
DetailsQualifications 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; Level 2 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 Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Financial Health History
Empeople Credit Union’s Texas Ratio fell from 6.84% in Q2 2023 to 4.55% in Q1 2026, so its financial health has improved and is now very strong 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
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
June 30, 2023
$2.1B
6.84%
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.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
343,629,819
Total Uninsured Shares and Deposits > $250K (F+J)
343,629,819
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,728,305,566
Total Interest Expense (Sum of items 6 8)
13,969,798
Share Certificates
18,928
Number of Accounts for Share Drafts
58,493
IRA KEOGH Accounts
3,263
Number of Accounts for Regular Shares
135,049
All other shares
1,519
Money Market Shares
19,528
Net Income (unless the amount is already included in Undivided Earnings)
4,568,416
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)
143,774,520
Total Liabilities
2,097,266,115
Source: NCUA — Last Updated 03/31/2026
2026 MBR Health & Safety Badge
Empeople Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
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Learn more about the MBR Health & Safety Badge program on our methodology page.
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☆☆☆☆☆
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0
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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 CD4.25%
18-Month CD4.20%
24-Month CD4.15%
60-Month CD3.00%
Savings0.15%
MMA0.25%
Retrieved from our database of financial products. Rates subject to change.