Empeople Credit Union Johnston IA | Affordable Auto Loans & Business Banking

Introduction

Welcome to Empeople, your trusted financial partner located at 6400 NW 86th St, Johnston, IA 50131. Since our establishment in 1935, we have been dedicated to providing exceptional banking services that empower our 76,583 members to achieve their financial goals. With total assets exceeding $2.18 billion and a strong commitment to community service, we pride ourselves on being more than just a credit union; we are a part of your journey. At Empeople, our members enjoy a wide range of services, from personal banking options like checking and savings accounts to auto loans and mortgage refinancing. We understand that every member's needs are unique, which is why we tailor our offerings to fit your lifestyle. Our total deposits stand at an impressive $152.5 million, showcasing the trust our members place in us. Under the leadership of CEO Kurt Lewin and Board President Scott Hany, our team of 259 employees is here to ensure you receive personalized service every time you visit. While you can reach us by phone at (515) 267-4900, or send official correspondence to our mailing address at 6400 NW 86th St, Johnston, IA 50131, we encourage you to explore our services firsthand. Our commitment extends beyond just numbers; with total loans amounting to 76,332 and a net worth of $171.4 million, Empeople aims to make a meaningful impact within the Johnston community. Whether you're looking for a reliable credit card with rewards or need assistance with business banking solutions, we're here for you every step of the way. Discover how Empeople can help enhance your financial future today! Visit us online at empeople.com or drop by our branch during operating hours from Monday to Friday, 8:00 AM to 4:30 PM. Let's work together toward your financial success!

Branch History & Mission

Community Engagement

Empeople is more than just a credit union; we're part of the Johnston community. Our outreach initiatives include partnerships with local organizations that focus on education and empowerment. Through these efforts, we strive to create opportunities for growth and improvement within our community.

Join Us!

As we look toward the future, we invite you to become a part of the Empeople family. Experience firsthand how our commitment to service can benefit you personally. Visit us online at empeople.com or call us at 515-267-4900 for more information about becoming a member today!

Mission Statement

At the core of Empeople's mission is a commitment to serve our members and the community at large. We believe in providing not just financial services but also support that makes a real difference in people's lives. We aim to improve financial literacy and enhance overall well-being by offering valuable resources and partnerships within the community. We understand that every member's journey is unique; that's why we offer personalized financial advice tailored to individual needs. Whether you're looking for auto loans or seeking guidance on debt consolidation, our dedicated team is here to help you navigate your financial path. While you can visit us at our branch location for all your banking needs, official correspondence should be directed to our mailing address at 6400 NW 86th St, Johnston, IA 50131.

Our Evolution

Since opening our doors in the heart of Johnston, Empeople has continuously evolved to meet the changing needs of our community. We started with a simple mission: to provide accessible financial services that empower individuals and families. Over the years, we have expanded our offerings to include a wide range of personal and business banking solutions everything from checking accounts to auto loans and mortgage financing. Our branch is designed with your convenience in mind. While we do not offer drive-thru banking, we have an ATM available for quick cash access and other essential services. Our operating hours are Monday through Friday from 8:00 AM to 4:30 PM, ensuring that you can easily connect with us when it fits your schedule.

Branch Location & Accessibility

Call to Action

We invite you to stop by or give us a call at (515) 267-4900. Our dedicated team looks forward to welcoming you in person and helping you achieve your financial dreams!

Nearby Landmarks and Accessibility

Situated near popular spots, our branch is just a stone's throw away from local parks and shopping centers, making it easy to combine your banking needs with other errands. Parking is ample and straightforward, ensuring a hassle-free visit. We are also committed to accessibility; our facility includes ADA-compliant features, such as ramps, so everyone can enjoy seamless access.

Operating Hours

We understand that your time is valuable. That's why we're open Monday through Friday from 8:00 AM to 4:30 PM, giving you plenty of opportunities to stop by when it's convenient for you. Whether you need help setting up an account or want to discuss loan options, our friendly team is here during these hours to provide assistance.

Services Offered

At Empeople, we offer a comprehensive suite of services tailored to fit your financial goals. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have solutions for every stage of life. Plus, with ATM availability on-site, you can quickly access your cash without any delays. While members can visit us at 6400 Nw 86Th St Johnston Ia 50131, official correspondence should be sent to our mailing address at 6400 NW 86th St, Johnston, IA 50131.

Member Eligibility

At Empeople, we believe that becoming a member is about joining a welcoming community that supports your financial journey. If you're looking to join us, you'll be pleased to know that eligibility is quite straightforward! To become a member of Empeople, you simply need to meet certain criteria, which primarily includes living or working in our service areas, as well as having an immediate family member who is already part of our credit union. This means that many people can easily qualify and enjoy the numerous benefits we offer, such as lower loan rates, personalized service, and a variety of financial products tailored just for you. To get started on your membership journey with us at our Johnston location, 6400 Nw 86Th St, Johnston IA 50131, visit our detailed eligibility page at https://empeople.com/about/empeople-membership for more information. Once you're ready to open an account, the process is simple! You can find all the details you need at https://my.empeople.com/enroll . If you have any questions or would like assistance, feel free to give us a call at (515) 267-4900. We're excited to welcome you into the Empeople family!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $367 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $2 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $111,225,483, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine having a reliable partner that helps you process payments seamlessly while you focus on serving your customers. Our merchant services offer just that. From card processing to online payment solutions, we ensure that transactions are smooth and secure, enabling you to grow your revenue without the hassle. Located at 6400 Nw 86Th St Johnston Ia 50131 in Johnston, IA, our team is dedicated to understanding your needs and providing personalized service. Reach out to us at (515) 267-4900 for more information on how we can help your business thrive!

Comprehensive List Of Services

Accessing Cash When You Need It

Need cash quickly? With our ATM & Cash Withdrawal Services, accessing your funds is a breeze. We offer basic ATM access for withdrawals and balance checks so that you can manage your money on your terms. At Empeople, we pride ourselves on being more than just a financial institution; we're a partner in your financial journey. Our commitment to convenience means you'll have all these services right at your fingertips with just a few clicks or taps. If you're ready to explore all that we have to offer or if you have any questions about how we can assist you further, don't hesitate! Visit us online at https://empeople.com/ or call us at (515) 267-4900 today. Let's take the next step together toward achieving your financial goals!

Financing Your Dreams

If you're planning to buy a new car or refinance your home, look no further! Our Auto Loans & Vehicle Financing options make it simple and affordable to get behind the wheel. Need a new place? Our Mortgage Loans & Refinancing services help turn your dream home into a reality without breaking the bank.

Flexible Lending Solutions

Sometimes life throws unexpected expenses your way, and that's where our Personal Loans & Debt Consolidation come in handy. These flexible solutions allow you to take control of your financial situation without added stress. Plus, enjoy rewards with our competitive Credit Cards with Rewards, making every purchase work for you.

Personal Banking Made Easy

We understand that managing finances can be overwhelming. That's why we offer Personal Banking options like checking and savings accounts designed for easy access and growth. Imagine effortlessly checking your balance on the go with our Online & Mobile Banking services, allowing you to handle transactions anytime, anywhere.

Supporting Local Businesses

For business owners, we provide specialized support through our Business Banking services, including merchant services and business loans tailored to help you thrive in today's market. We know that local businesses are the backbone of our community, and we're here to help you succeed.

Digital & Online Banking

Key Features

One of the standout features of our online banking service is the ability to sign documents electronically. With Yes, there's no need for paper forms or in-person visits; you can complete necessary paperwork securely from the comfort of your own home. We also offer e-statements, so you can stay organized and reduce clutter. With Yes, you'll receive your account statements directly to your email, allowing for easy tracking of your finances without the hassle of physical paperwork. If you're looking to send money quickly to friends or family, our person-to-person transfer feature makes it a breeze. Just a few clicks and you can send money directly from your account using Yes.

Mobile Access

For those who prefer managing their accounts on-the-go, our mobile application is here to help! Available for download, it provides all the essential features right in your pocket. You can deposit checks, view transaction history, and even set up mobile payments though currently we do not support this feature. Our commitment to security ensures that all transactions made through our online and mobile platforms are protected with the latest encryption technology, giving you peace of mind while managing your finances. In short, at Empeople, we're dedicated to providing accessible and easy-to-use digital banking solutions that fit into your busy lifestyle. Enjoy real-time account management and take control of your finances today!

Financial Strength

A Solid Financial Foundation

With a net worth of $171,378,719, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $822 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Commitment to Growth and Innovation

Our commitment to growth is underscored by $144,539,383 in undivided earnings. This allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $10,497 in used auto loans and $1,849,930,388 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Growing Membership Base

Total Share and Deposit Accounts: 247,885, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $3,912,351. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Empeople is your trusted partner. Visit us at 6400 Nw 86Th St Johnston Ia 50131 or call (515) 267-4900 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Member Savings and Investment Security

Members' savings are secured through $663,152,505 in share certificates and $609,226,140 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 258 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $179,174,785 in used vehicle loans and $129,935,458 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable pre-owned vehicle, we've got options that fit your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $111,225,483 provide the capital needed to grow and expand. Whether you need funds for equipment, inventory, or operating expenses, we're here to support your entrepreneurial journey.

Mortgage Options

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $237,424,373, make buying or refinancing simple. We guide you through the entire process, ensuring that you find a plan that suits your financial situation.

Refinancing and Eligibility

If you're considering refinancing your current loans or are curious about eligibility options, we invite you to explore what we can offer. Our team is ready to discuss personalized solutions tailored to your unique financial situation. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Empeople, we pride ourselves on providing transparent information and exceptional service to help you make informed decisions about your finances.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $96,452,085 in loans helping members manage their finances effectively. This is a great option for those looking to consolidate debt or make larger purchases without tying up their savings.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a commitment to transparency and reliability, LendMesh is designed to help users navigate their borrowing options confidently. Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This ensures that the loan offers presented are fair and transparent. By using verified data, users can trust that they are looking at legitimate offers without hidden agendas. One of the standout features of LendMesh is its commitment to impartiality. There are no sponsored listings; lenders are not prioritized based on paid promotions. This means users receive unbiased results that reflect the best available options tailored to their needs. Additionally, LendMesh provides real-time rate comparisons, allowing users to see up-to-date loan rates from multiple institutions. This timely information empowers users to make informed decisions quickly. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Testimonials like this highlight the effectiveness of LendMesh in delivering valuable insights into loan offerings. For those ready to take the next step in finding competitive loan rates, compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

EMPEOPLE CREDIT UNION