Our locations will be closed Monday, May 26, for Memorial Day. Our call center will be available 9 a.m. to 5 p.m. CST, and digital banking is available 24/7.

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

An account with no balance requirement that earns a return and lets you get to your money.

Learn More

Features and requirements

  • No minimum balance required to open
  • Average daily balance not required
  • Tiered dividends earned
  • Unlimited withdrawals
  • No monthly fee

High Yield Savings

An account where larger deposits mean larger returns.

Learn More

Features and requirements

  • No minimum deposit required
  • Average daily balance not required
  • Tiered dividends
  • Unlimited withdrawals
  • No monthly fee

Health Savings Account

An account that can help you stay healthy and pay for medical expenses.

Learn More

Features and requirements

  • 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

An account that lets you save more when you commit to a longer term.

Learn More

Feature and requirements

  • 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

Prime Share: $5-$5,000

0.15%APY1
0.15%Rate3

Use these calculators to decide what savings account is best for you.

Recommended Reading

Is it smart to consolidate credit card debt?

When you’re juggling multiple credit cards and trying to keep up with minimum monthly payments, it can feel like you’re getting nowhere. That’s why many people consider consolidating their credit card debt — combining several balances into one payment with the potential for a lower interest rate and a clearer path forward.  But is it […]

How to teach kids about money this summer

School’s out, but the learning doesn’t have to stop. Now, you’re the teacher.  Summer break is the perfect time to start teaching your children about money and how to build smart money habits that last.  If you’ve ever felt unsure about how to start, you’re not alone. Many parents want to help their kids become […]

How to negotiate at the car dealership

  Buying a car is one of the biggest financial decisions most people make. Yet, many car buyers walk into the dealership unprepared to negotiate the price. With a little preparation and a solid understanding of the car-buying process, you can walk away with a good deal. Here’s how to confidently negotiate at the car […]

How to financially prepare for a baby in five simple steps

Starting a family is an exciting milestone, filled with both celebration and extensive preparation. Amidst decorating a nursery and planning a baby shower, it’s easy to overlook the crucial step of financially preparing for your new baby.  As lackluster as this step may seem, it’s an imperative one. After all, according to recent data, the […]

With Empeople, you can do things your own way—but you won't have to do them alone.