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 higher dividends on savings (and rebates on loan interest).
Money Market Account
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- No minimum balance required to open
- Average daily balance not required
- Tiered dividends earned
- Unlimited withdrawals
- No monthly fee
High Yield Savings
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- No minimum deposit required
- Average daily balance not required
- Tiered dividends
- Unlimited withdrawals
- No monthly fee
Health Savings Account
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- 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
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- 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 monthly
¹ 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.
³Rate = dividend rate.
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