Credit union · NCUA insured
Empeople Credit Union CD Rates
Top CarrotEmpeople Credit Union’s best CD rate is 4.40% APY on an 18-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Empeople Credit Union’s CD rates compare
Compared with banks and credit unions near Waterloo, IA, where Empeople Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Empeople Credit Union
4.40%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $667
Share Certificate
Top rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
3rd-highest rate
CFCCU
4.30%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $430
Empeople Credit Union CD score
95
CD score
Higher than 98% of U.S. banks and credit unions
- 3–8 months3–8 mo4.10%
- 9–15 months9–15 mo4.30%
- 16–30 months16–30 mo4.40%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.40%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Empeople Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 4.40%APY · 8 terms
Penalty for early withdrawal. For all certificates unless otherwise noted: minimum deposit of $500 required to open certificate and earn dividends. 3 Month Certificate requires a minimum deposit of $5,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months3 Month Certificate requires a minimum deposit of $5,000. Penalty for early withdrawal | 3.75% | $92 |
| 6 monthsPenalty for early withdrawal | 4.10% | $203 |
| 12 monthsPenalty for early withdrawal | 4.30% | $430 |
| 18 monthsPenalty for early withdrawal | 4.40% | $667 |
| 24 monthsPenalty for early withdrawal | 4.25% | $868 |
| 36 monthsPenalty for early withdrawal | 4.00% | $1,249 |
| 48 monthsPenalty for early withdrawal | 3.75% | $1,587 |
| 60 monthsPenalty for early withdrawal | 3.50% | $1,877 |
Sources (1)
- empeople.com/tools-resources/rates · captured Oct 6, 2026
Special-purpose accounts
HSA Certificate
Up to 4.40%APY · 8 terms
Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. Offered in the same terms as regular certificates. Penalty for early withdrawal. For all certificates unless otherwise noted: minimum deposit of $500 required to open certificate and earn dividends. 3 Month Certificate requires a minimum deposit of $5,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months3 Month Certificate requires a minimum deposit of $5,000. Penalty for early withdrawal. Opened using amassed Health Savings Account funds | 3.75% | $92 |
| 6 monthsPenalty for early withdrawal. Opened using amassed Health Savings Account funds | 4.10% | $203 |
| 12 monthsPenalty for early withdrawal. Opened using amassed Health Savings Account funds | 4.30% | $430 |
| 18 monthsPenalty for early withdrawal. Opened using amassed Health Savings Account funds | 4.40% | $667 |
| 24 monthsPenalty for early withdrawal. Opened using amassed Health Savings Account funds | 4.25% | $868 |
| 36 monthsPenalty for early withdrawal. Opened using amassed Health Savings Account funds | 4.00% | $1,249 |
| 48 monthsPenalty for early withdrawal. Opened using amassed Health Savings Account funds | 3.75% | $1,587 |
| 60 monthsPenalty for early withdrawal. Opened using amassed Health Savings Account funds | 3.50% | $1,877 |
Sources (1)
- empeople.com/tools-resources/rates · captured Oct 6, 2026
IRA Certificate
Up to 4.40%APY · 8 terms
Penalty for early withdrawal. For all certificates unless otherwise noted: minimum deposit of $500 required to open certificate and earn dividends. 3 Month Certificate requires a minimum deposit of $5,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months3 Month Certificate requires a minimum deposit of $5,000. Penalty for early withdrawal | 3.75% | $92 |
| 6 monthsPenalty for early withdrawal | 4.10% | $203 |
| 12 monthsPenalty for early withdrawal | 4.30% | $430 |
| 18 monthsPenalty for early withdrawal | 4.40% | $667 |
| 24 monthsPenalty for early withdrawal | 4.25% | $868 |
| 36 monthsPenalty for early withdrawal | 4.00% | $1,249 |
| 48 monthsPenalty for early withdrawal | 3.75% | $1,587 |
| 60 monthsPenalty for early withdrawal | 3.50% | $1,877 |
Sources (1)
- empeople.com/tools-resources/rates · captured Oct 6, 2026
Who can join Empeople Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of select employer groups and Deere dealerships throughout the country are eligible for membership.
Other ways
- Membership eligibility is available based on job, location, or family members.
Membership information collected October 5, 2026.