Earn more in 2023.

OPA logo

The Empeople Owner Participation Account is an annual year-end rebate that returns excess earnings to you, our Empeople members. Our OPA program calculates your entire relationship with us, and the more you connect with Empeople, the more you collect with your OPA rebate.

Membership account activity at Empeople means everything when it comes time to calculate earnings for your Owner Participation Account. Start by simply signing up for Direct Deposit at work. Automate your paycheck and even get a text message announcement from Empeople when the payment lands in your account.

How do I earn more in next year?

  • Come to us first! Choose Empeople as your Primary Financial Institution for your loan and deposit needs. The more connected to us through your use of products and services, the better the return of your Owner Participation Account Rebate.
  • Maximize your OPA at Empeople with the benefits of members-only checking and savings accounts, flexible credit and debit cards, best-in-market interest rates for consumer loans and home mortgages, and debt protection from Empeople insurance services.
  • Best of all, it’s always available online, with Empeople’s easy and secure digital banking website and digital banking app for your smart device. Manage your accounts, pay your bills, transfer payments and find more than 80,000 ATM locations for zero-service-charge cash withdrawals.

How many transactions do I have to do to get a higher OPA?

If you have earned $650 or more in share dividends, paid interest on a consumer loan or ARM product, or used your debit or credit card an average of 21 times per month; you may qualify for a rebate.

What is the OPA?

This year-end rebate returns excess earnings to you for your continued loyalty to the credit union. You can maximize your year-end rebate by choosing Empeople as your Primary Financial Institution by looking to us for your loan and deposit needs. Earn a board-approved percentage of the total loan interest paid or dividends earned during that year. The more connected to us through your use of products and services, the better the return of your Owner Participation Account Rebate.

How is it calculated?

Our program calculates your entire relationship with us. The more connected to us through your use of products and services, the better the return of your Owner Participation Account Rebate.

Do I have to have a debit/credit card to receive an OPA?

You do not have to have a debit or credit card, however, it does help!

Do I have to have a loan to receive an OPA?

You do not have to have a loan with us, however, it does help!

How do I get more back?

The more connected to us through your use of products and services, the better the return of your Owner Participation Account Rebate.

What else can you tell me about the OPA?

Member must be in good standing; no overdrafts or delinquencies. This will prevent any deposits from occurring. Business accounts are excluded. Please note: A rebated OPA on a mortgage loan will reduce the interest paid and reported on your Mortgage Form 1098.

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