All-In Member Pricing is a powerful perk for members who are all-in on their financial journey. When you have at least $1,500 in direct deposit into your checking account and 21+ debit or credit transactions each month, you unlock exclusive benefits: extra-low auto loan rates and higher yields on savings and money market accounts. It’s our way of saying thank you for being an active part of the Empeople community.

Qualifying for the program is simple. Members with $1,500 or more in direct deposit into their Empeople checking account per month, and 21+ Empeople debit or credit card swipes a month qualify for the program.

No. There is no fee to join, and no fee for ongoing participation. In fact, you’re the one earning!

The value you earn will be determined by all the ways you use various Empeople benefits and products. For example, you could potentially benefit from auto loan interest rate discounts, credit card reward and cashback bonuses, and boosted deposit rates. Historically, All-In members save $253 more a year than the average credit union member.

No, you are automatically enrolled in All-In Member Pricing when you fulfill the two requirements of the program. There are no fees to join or participate in the program, and once you’re enrolled, as your activities qualify you for the next rate tier, you’ll receive an automatic tier upgrade for savings and money market accounts.

No need to worry if your account activity dips temporarily; you’ll keep your All-In Member Pricing unless you’ve dipped below the requirements threshold for three consecutive months for auto loan discounts and one month for deposit dividend boosters.

If you haven’t met the requirement for the given time period, you’ll be moved to a lower deposit rate tier and/or lose your All-In Member Pricing auto loan rate discount.

While you may be able to qualify for All-In Member Pricing deposit rate tiers again in the future, All-In Member Pricing auto loan rate discounts cannot be reinstated, once lost.

It depends on which accounts you already have. To become an All-In member, you must have an Empeople Rise Transaction Account³ and either a debit card or Empeople Visa® Credit Card.

To take advantage of some All-In Member Pricing benefits, you may want to open an additional savings account or loan. For example:

• An Empeople high-yield savings or money market, to receive the savings dividend booster.
• An Empeople auto loan to receive the auto loan interest rate discount.

You may open a high-yield savings or money market account online, or apply for an Empeople Visa Credit Card or auto loan online from the comfort of your home.

To meet the minimum balance requirements for the highest earning tiers for Rise Transaction, high-yield savings and money market accounts, you can move money over from accounts at other financial institutions or investment firms, such as 401(k) or IRA accounts.⁴

Looking for thoughtful ways to boost your Empeople debit or credit card swipes, or tips on reaching the checking account direct deposit minimum? Here are a few ideas:

• Complete our direct deposit form and submit to your employer.
• Add your debit or credit card to your mobile wallet.
• Update recurring billing accounts with your Empeople Visa^® card info (utilities, gym membership, Amazon^®, streaming services, etc.).