Our vendor will be performing digital banking system maintenance on Sunday, March 30, 2025 from approximately 5:00 a.m. to 12:00 p.m. CST. You may experience intermittent interruptions with eChecks, eStatements, and mobile deposit. Thank you for your patience as we maintain our systems.
Our Rise Transaction Account is a fee-free, high-yield checking account that rewards you for higher balances and more transactions.
View our rates and see how you can earn more
Level 1
All balances earn
Up to
0.10%APY1
Level 2
Required: over 21 debit or credit transactions per month; enrollment in eStatements; use of digital banking within the last 90 days; the primary member must have a valid email address on file; over $1,500 in direct deposit within the last 30 days²
Average daily balance up to but not exceeding $5,000
Up to
2.27%APY1
2.25%Rate3
Average daily balance above $5,000 but not exceeding $10,000
Up to
2.40%APY1
2.50%Rate3
Average daily balance above $10,000 but not exceeding $20,000
Up to
2.85%APY1
3.25%Rate3
Average daily balance above $20,000
Up to
2.85%APY1
0.25%Rate3
Level 3
Required: over 31 debit or credit transactions per month; enrollment in eStatements; use of digital banking within the last 90 days; the primary member must have a valid email address on file; over $1,500 in direct deposit within the last 30 days²
Average daily balance up to but not exceeding $5,000
Up to
3.30%APY1
3.25%Rate3
Average daily balance above $5,000 but not exceeding $10,000
Up to
3.43%APY1
3.50%Rate3
Average daily balance above $10,000 but not exceeding $20,000
¹APY = 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.
²Transaction count is NOT a combination of debit and credit card transactions. Debit card transactions must be posted to the account within the calendar month for it to be considered a qualifying transaction. Credit card transactions must be posted between the 27th day of the previous month and the 26th day of the current month to be considered a qualifying transaction. Excludes ATM and cash transactions. Dividends compounded and credited monthly; interest calculated on each split based on average daily balance. For full terms and conditions, please refer to our Truth in Savings Disclosure.
³Rate = dividend rate.
Please note: You must be at least 14 years old to open this account.
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What are members saying?
“The fraud department called within seconds of a suspicious transaction occurring in my checking account. This made me feel very grateful for my banking choice.”
Sheena S.
“Empeople has some of the best rates. For this reason, I moved most of my savings over from another bank.”
Joe B.
“If you work for John Deere or have a relative who works for them, I highly suggest you get a debit card, credit card, or loan here. I have all of these things through this credit union and have never had a problem with them. The ATM’s are great too!”
