Watch your savings grow.
When you choose to save with your credit union, you’re not just saving; you’re participating. That’s why your savings account is actually called a share account. Every member starts with a share account to establish membership, often with an initial deposit of as little as $5.
Because we are a member-owned institution, we are able to pay higher returns on deposits, charge lower rates on loans, and even offer members a unique opportunity to share in the financial success of their credit union. Empeople’s Owner Participation Account Rebate annually distributes any excess earnings to our members in the form of additional interest on earnings (and rebates on loan interest).
Money Market Account
Learn More
- No minimum balance required to open
- Average daily balance not required
- Tiered dividends earned
- Unlimited withdrawals
- No monthly fee
High Yield Savings
Learn More
- No minimum deposit required
- Average daily balance not required
- Tiered dividends
- Unlimited withdrawals
- No monthly fee
Health Savings Account
Learn More
- To be eligible for a HSA, you must be covered by a High Deductible Health Plan (HDHP)*
- No minimum balance required
- Average daily balance not required
- Earns dividends
- Earnings are tax deferred
- You pay no taxes** on money used for qualifying expenses
- Unlimited withdrawals
- No monthly fee
*A HDHP is considered HSA-compatible if it satisfies annual deductible and out-of-pocket expense limits. Check with your health insurance provider to see if your plan qualifies.
**Please consult with your tax advisor.
Certificate
Learn More
- The minimum deposit to start a certificate is $500
- The minimum deposit to start a three-month certificate is $5,000
- Early withdrawal penalty for all certificates, depending on term
- Maturity dates starting at 3 months from date of deposit to 60 months
- Dividends are compounded and paid quarterly
Recommended Reading
How to Create a Holiday Budget That Won’t Break the Bank this Year
The holiday season is officially upon us! While it’s a beautiful time of year, the holidays can be stressful financially as families prepare for holiday gift-giving and other traditions. Use this guide to create a holiday budget that won’t leave you stretched or stressed in the new year. Not all families have the means to […]
Financial Planning: A Guide to Creating a Financial Plan That Works for You
Financial planning is an essential component of securing the financial future of your dreams. After all, failing to plan is planning to fail. In the realm of financial health, we’ve got the tools and resources you need to plan properly. Follow the tips in this comprehensive financial planning guide to discover the fundamental principles, strategies, […]
Our Top 5 Money Management Tips for Healthy Finances
Money management is really about taking the time to understand financial literacy, and then applying it to your financial goals. Focus on the following money management tips to start your journey to financial success! Determine Your Short and Long-Term Financial Goals Before embarking on your journey to financial wellness, start to consider your goals. These […]
Budgeting 101: How to Budget to Meet Your Financial Goals
Budgeting is a term that elicits different feelings and reactions in many people. Some find it tedious, while others find it boring or even uncomfortable. Regardless of how you feel about budgeting, the reality is that it is essential to a healthy financial life. Determining how to budget will depend on your income, expenses, wants, […]
Learn about our financial health programs
Discover how thoughtful financial support, one-on-one expertise, and responsive service can help empower you on your financial journey. Choose between two exclusive financial health programs based on your unique financial dreams.