Today's rates.

At Empeople we are proud to offer Best in Market rates on our loan and deposit products based on a weekly Market Rate Survey by www.Rate-Watch.com and www.BankRate.com. Connect with an Empeople representative today to talk more about how an Empeople loan or deposit product could support you today!

New Auto/Motorcycle Loans | Model Year 2020 - 2024 | New/Refinance

TermAs Low As APR*Payment Per $1,000**
36 Months6.49%$31
48 Months6.49%$24
60 Months6.49%$20
72 Months6.69%$17

*Model years 2020 – 2024 qualify year for “New” rate. Term is based on vehicle value & amount financed. Rates determined by individual credit score. The “As Low As” rates quoted here are for credit scores of 700+. Subject to credit approval. Rates, terms, & conditions subject to change at any time. Min. loan amount is $500. Max. secured loan amount with Empeople is $180,000. 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).

**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.

Used Auto/Motorcycle Loans | Model Year 2015-2019*

TermAs Low As APR*Payment Per $1,000‡
36 Months7.24%$31
48 Months7.24%$24
60 Months7.24%$20

*Model years 2015 – 2019 qualify for “Used” rate. Term is based on vehicle value & amount financed. Rates determined by individual credit score.

**The “As Low As” rates quoted here are for credit scores of 700+. Subject to credit approval. Rates, terms, & conditions subject to change at any time. The min. loan amount is $500. Max secured loan amount with Empeople is $180,000. 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).

‡Payments listed are only examples. Payment examples are based off a used auto loan with the term and APR listed above calculating the payment per $1,000.

General Secured | Motorhomes, ATVs, Boats, Older Autos

TermAs Low As APR*Payment Per $1,000‡
New: 2020 – 2024 (36-60 Months)6.74%$20
New: 2020 – 2024 (72 Months)6.99%$17
Used: 2015 – 2019 (36-60 Months)7.99%$20
Used: 2014 and older9.49%$22

*Term is based on value of the vehicle & amount financed. Rates are subject to individual credit scores. The “As Low As” rates quoted are for credit scores of 700+. Rates, terms, & conditions subject to change at any time. The min. loan amount is $500. Max. secured loan amount with Empeople is $180,000. 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).

‡Payments listed are only examples. Payment examples are based off a general secured loan with the APR listed above calculating the payment per $1,000.

Payment Saver Auto Loan | Model Year 2020 - 2024

TermAs Low As APR*Payment Per $1,000‡
36 Months6.69%$31
48 Months6.69%$24
60 Months**6.69%$20
72 Months**6.69%$17

*Term is based on value of vehicle and amount financed. Rates subject to individual credit scores.  The as low as rates are for credit scores 700+. 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).
**Minimum loan amount of $15,000 for vehicles financed with 60 to 72 month loan terms.
Other fees and conditions may apply. See Payment Saver Loan for more details.

Mortgage TermInterest Rate Starting AtAPR Starting At*Payment per $140,000**Cost°
30 Year Fixed6.625%6.779%$896$0
20 Year Fixed6.375%6.589%$1,034$175
15 Year Fixed6.125%6.370%$1,191$0
5/1 ARM5.990%7.151%$838$0

°Cost equals discount points paid.

*Annual Percentage Rates (APRs). Rates quoted are based on a purchase transaction of $200,000, loan-to-value of 70%, primary residence, and a credit score of 760 or higher. All interest rates, APRs, and cost are indications only and are subject to change without notice. Contact your Empeople Mortgage 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. The payment listed based on borrowing $150,000 amortized over 30 years. 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.

Home Equity LoansAs Low As APR*Payment Per $1,000‡
Equity Line of Credit: up to 80% CLTV**7.49%$12
Equity Line of Credit: up to 90% CLTV**7.74%$12
Easy Equity Loan: up to 80% CLTV**6.49%$11
Easy Equity Loan: up to 90% CLTV**6.49%$11

*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 700+. 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 60-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 $395 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.

LoanAs Low As APR*Payment Per $1,000‡
Signature**17.99%$25
Line of Credit**17.99%$23
Deposit Collateral (Share/CD)3.00%$0

*APR=Annual Percentage Rate.
**Interest rates determined by individual credit history. The “As Low As” rates quoted here are for credit scores of 700+. 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).

Home Improvement LoansAs Low As APR*Payment Per $1,000‡
Unsecured17.90%$23

*APR=Annual Percentage Rate. Interest rates determined by individual credit history. The “As Low As” rates quoted here are for credit scores of 700+. 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 60-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.

Prime Share AccountsAPY*Dividend Rate
$5-$5,0000.15%0.150%
$5,001-$25,0000.15%0.150%
Over $25,0000.15%0.150%

* 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.
**Minimum $5 deposit required.

High-Yield Savings Account Rates

Average Daily Balances Level 1 Level 2
Spend** 0-20 transactions per month 21+ transactions per month
  Dividend Rate APY* Dividend Rate APY*
$0.00 - $4,999.99 0.25% 0.25% 0.25% 0.25%
$5,000 & Over 1.49% 1.50% 3.93% 4.00%
Direct Deposit na $1,500 or more in Direct Deposit into your checking within the last 30 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.

**Using Empeople Debit or Credit Card (not combined); Average Daily Balance, Dividends compounded and credited monthly

Rise Transaction Account Rates

Average Daily Balance Level 1 Level 2 Level 3
Credit Card or Debit Card Spend** 0-20 transactions per month 21+ transactions per month** 31+ transactions per month**
  APY* Dividend Rate Overall APY* Dividend Rate Overall APY*
Up to But Not Exceeding $5,000 .10% 3.00% 3.04% 4.25% 4.33%
Above $5,000 But Not Exceeding $10,000 3.25% 3.04% - 3.17% 4.5% 4.33% - 4.46%
Above $10,000 But Not Exceeding $20,000 4.00% 3.17% - 3.62% 5.25% 4.46% - 4.92%
Above $20,000 0.50% 3.62% - 0.50% 1.50% 4.92% - 1.51%

*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.

For Level 2 and Level 3, you must also enroll in eStatements, use Digital Banking within the last 90 days, the primary member must have a valid email address on file, and $1,500 or more in direct deposits within the last 30 days.

**Using Empeople Debit or Credit Card (not combined); Average Daily Balance, Dividends compounded and credited monthly; Interest calculated in each split based on average daily balance.

Health Savings AccountAPY*Dividend Rate
(HSA)0.50%0.499%

*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.

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.

Money MarketAPY*Dividend Rate
$0-$4,9990.25%0.250%
$5,000-$9,9991.45%1.440%
$10,000-$19,9991.55%1.539%
$20,000-$49,9992.40%2.374%
$50,000-$74,9992.45%2.423%
$75,000-$99,9992.50%2.472%
$100,000-$249,9993.40%3.348%
$250,000-$499,9993.90%3.832%
$500,000 and over4.00%3.928%

*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.

IRA Accumulation/BuilderAPY*Dividend Rate
$25-$49,9990.35%0.350%
$50,000-$74,9990.40%0.399%
$75,000-$99,9990.40%0.399%
$100,000 and over0.50%0.499%

* 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.

IRA & Share Certificate Rates

IRA/Share CertificatesAPY*Dividend Rate
3 Month**5.50%5.366%
6 Month5.30%5.175%
12 Month5.00%4.889%
18 Month4.00%3.928%
24 Month3.00%2.960%
36 Month3.00%2.960%
48 Month3.00%2.960%
60 Month3.00%2.960%

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.
**3 Month Certificate requires a minimum deposit of $5,000

Owner Participation AccountAPY*Dividend Rate
(OPA)0.50%0.50%

*APY=Annual Percentage Yield. Rates may change after account is opened.
This account is automatically opened by the Credit Union when an Owner Participation rebate is rewarded. Members are unable to deposit additional funds to this account. Rate is accurate as of last declaration date.