![Your money is earning 5.00% APY ($5,000 minimum deposit required) | Certificate maturity in just 6 months [desktop]](images/february2024/EMC-115A01-CD_D-hero-new.png)
![Your money is earning 5.00% APY ($5,000 minimum deposit required) | Certificate maturity in just 6 months [mobile]](images/february2024/EMC-115A01-CD_M-hero-new.png)
Earthmover versus the big banks:
When it comes to a nine-month Certificate of Deposit, Earthmover leads the pack.
![graph of certificate yields from various banks and Earthmover CU [desktop]](images/february2024/EMC-115A01-CD_D-graphs-new.png)
![graph of certificate yields from various banks and Earthmover CU [mobile]](images/february2024/EMC-115A01-CD_M-graphs-new.png)
APY = Annual Percentage Yield. Competitor rates shown are accurate as of February 14, 2024, and were sourced directly from the financial institution’s website. Comparison rates are based on similar 9 month certificate of deposits with a minimum opening balance of $5,000. Rates displayed, including Earthmover’s, may change without notice and their accuracy cannot be guaranteed.
Save today for a brighter tomorrow.
- 100% Risk-Free
- Extremely High Yield
- Guaranteed Earnings
- Compounding Interest
- Insured up to $1,000,000
Still Certificate-of-Deposit-curious?
How much will my Earthmover CD account earn?
The money in your CD account compounds daily, meaning it’s earning money every single day. How much money you’ve earned at the end of your term depends on many factors including your initial deposit and term length.Are my funds insured?
They sure are. American Share Insurance insures each account up to $250,000. Excess Share Insurance Corporation provides up to an additional $750,000 of insurance per account. How’s that for reassurance?
Can I speak with someone before opening a CD?
Of course! Swing by any of our branches or give us a call during business hours. An Earthmover team member will be happy to help.Give us a call (630) 844-4950.
Two tiers of earning potential.
| Term | Deposit | What you earn |
|---|---|---|
| 9 Month | $5,000 + | 4.85% APY¹ |
| 12 Month | $5,000 + | 4.65% APY¹ |
With one simple phone call or by visiting one of our branches, a member representative can open your high-earning CD and take your savings to the level it was destined for.
From where you are, to where you're going.
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Because we’re a not-for-profit financial institution, we can reduce our fees, keep rates low and pass those savings along directly to you. Since 2011, we’re proud to have saved our members over $49 million in interest and we don’t plan on stopping. Money talks, and here’s proof.
Ready to become an Earthmover?
Moving towards a better way to bank.
We aren't owned by shareholders. We’re owned by members, like you. And that simply means we have a vested interest in looking out for your needs.
So what kind of banking experience should you expect from Earthmover? Take a look.
People first. Always.
For more than 65 years, Earthmover has been a driver of honest and transparent banking—moving people together into a supportive, mutually beneficial cooperative while defining and refining our role as a community stakeholder. We’re here because of you and we’re here for you.
Our mentality of people over profits puts the member in control with Earthmover in their corner. When you’re ready to become more than just an account number at a big-box financial institution, look no further than here.
Creating a safe and inclusive financial environment for everyone is part of who we are.
More ways Earthmover Credit Union can help.
Always at your side
We’re here to help you remain financially stable through uncertain economic times and come out on the other side even stronger. From saving money for a new car to putting away funds for a relaxing retirement—and everything in between—we have the savings accounts you need to feel secure for what lies ahead.
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Working to keep more money in your pocket
Last year we were able to save our members more than $7.6 million by refinancing their loans from other financial institutions. If you have a high-rate loan on your vehicle, your RV, your boat, your mortgage and/or your credit card, come talk with us and let’s work to keep more money in your pocket.
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Saving comes naturally.
Need another reason to become an Earthmover? How about 7.6 million ones? Last year alone, Earthmover was able to collectively save our members $7.6 million compared to customers at larger banks with similar loans and accounts.
At this credit union, you are so much more than just a profit center disguised as an account number. Sure, you’re a member—and a valued one at that. But you’re also an owner with a say in how we move forward.
We invite you to finally just say "no" to those big-box banks with their high rates on loans, low yields on savings and expensive (often hidden) fees.
Aim to save¹ APY = Annual Percentage Yield. Credit union membership is required. Rates are subject to change. Funds are insured up to $250,000 per account by ASI (American Share Insurance), the nation’s largest private deposit insurer. This institution is not federally insured. This is a limited-time offer and may be withdrawn at any time. There is a penalty for early withdrawal. Fees could reduce earnings on the account. Minimum deposit is $5,000. All of these accounts are based on monthly compounding of interest and monthly crediting of interest.
² American Share Insurance insures each account up to $250,000. Excess Share Insurance Corporation provides up to an additional $750,000 of insurance per account. This institution is not federally insured.
³ No payments will be required for the first 90 days. Only applies to auto loans. Interest will accrue during this period.
⁴ Applies to mortgages only. From the date Earthmover CU receives complete, signed loan application through date of closing, the mortgage process can take as little as 30 days for a home purchase and an average of 45 to 60 days for a mortgage refinance. The timelines quoted are contingent upon: (1) borrower providing all requested documents and information by the date(s) stipulated; (2) availability of appraiser to conduct on-site appraisal, if one is necessary; and, (3) available schedule of Earthmover CU loan processors and underwriters.
⁵ Interest-earning checking accounts Checking balance must be greater than $1,000 to earn interest.