Empeople Credit Union Waterloo IA | Affordable Auto Loans & Online Banking

Introduction

At Empeople, we believe in building strong relationships with our members, right here in Waterloo, IA. Established in 1935, our commitment to serving the community has only grown over the years. With a proud membership of 72,658 individuals, we are dedicated to providing financial solutions that meet your unique needs. Located at 2000 Westfield Ave, our branch is more than just a financial institution; it's a place where you can feel at home. While members can visit us at this address, any official correspondence should be sent to our mailing address: 2000 Westfield Ave, Waterloo, IA 50701-1200. As of now, Empeople boasts total assets of over $1.9 billion and holds $90,697,490 in deposits. Our financial strength is reflected in our net worth of $168,111,172, providing you with the confidence that your money is secure with us. We also offer a range of services designed to help you achieve your financial goals from personal banking options like checking accounts and auto loans to business banking solutions. Our leadership team is here to serve you. CEO Kurt Lewin and Board President Scott Hany lead our dedicated staff of 242 employees who are always ready to assist you. Whether you're looking for advice on loans or simply need help navigating your account, we're here for you. We invite you to visit us during our lobby hours on Tuesdays and Fridays from 7:00 AM to 4:00 PM or give us a call at 319-292-5948. Discover how Empeople can support your financial journey today! For more information about our services or to become a member, check out our website at Empeople.

Branch History & Mission

Welcome to Empeople, a credit union with a rich history and a strong commitment to the community in Waterloo, IA. Established in 1935, our branch has been serving members for decades, growing alongside them and adapting to their evolving financial needs. Located at 2000 Westfield Ave, we are proud to be a part of this vibrant city, contributing to its economic growth and community spirit. Over the years, Empeople has achieved significant milestones. With a total membership of over 72,000 individuals, we have built lasting relationships and fostered a sense of belonging among our members. Our assets now stand at an impressive $1,947,442,053, reflecting our stability and dedication to providing sound financial services. At Empeople, our mission is clear: we strive to empower our members through personalized financial solutions while actively supporting the community. We offer a range of services including checking and savings accounts, auto loans, mortgage options, personal loans, and credit cards that reward responsible spending. Our goal is not only to help you achieve your financial aspirations but also to give back through various outreach programs that uplift those around us. While you can visit us at our main location on Westfield Ave for all your banking needs during our lobby hours on Tuesdays and Fridays from 7:00 AM to 4:00 PM, official correspondence should be directed to the same address for convenience. We understand the importance of accessibility in today's world. That's why we provide ATM services for quick cash withdrawals and balance checks whenever you need them. Although we currently do not offer drive-thru banking or shared service centers, we ensure that our digital platforms are user-friendly. With online banking available and mobile applications designed for ease of use, managing your finances is just a click away. Our commitment extends beyond just financial transactions; it encompasses building partnerships within the community. We believe in working together with local organizations and members alike to make Waterloo a better place for everyone. Join us at Empeople today! Experience firsthand how we can assist you in achieving your financial goals while being part of a supportive community. For more information or to become a member, please call us at 319-292-5948 or visit our website. Together, let's build a brighter financial future!

Branch Location & Accessibility

Accessibility Features

At Empeople, we prioritize accessibility for everyone. Our branch features ADA-compliant entrances and ramps, ensuring that all members can navigate easily. Plus, ample parking is available right outside our doors, making your visit even more convenient.

Call to Action

We invite you to visit Empeople today! Stop by our branch at 2000 Westfield Ave or call us at 319-292-5948 with any questions. Your financial well-being is our priority, and we look forward to serving you!

Nearby Landmarks

Nestled close to popular spots, our branch is just a short drive from the scenic Cedar Valley Nature Trail and nearby shopping areas. Whether you're coming from home or running errands, stopping by Empeople is simple and hassle-free.

Operating Hours

We're here for you on Tuesdays and Fridays from 7:00 AM to 4:00 PM. If you have questions or need assistance outside these hours, don't hesitate to give us a call at 319-292-5948. Our team is ready to help!

Services Offered

While you're with us, take advantage of a wide range of services designed to meet your financial needs from personal banking options like checking and savings accounts to auto loans and mortgage refinancing. We also offer online and mobile banking for added convenience, so managing your finances on-the-go has never been easier.

Member Eligibility

At Empeople, we believe that everyone deserves the opportunity to be part of a welcoming and supportive financial community. Becoming a member is straightforward! If you live, work, worship, or attend school in our local area, you're likely eligible to join us. We're committed to serving our members with personalized financial solutions that truly make a difference in their lives. To get all the details about who can become a member, feel free to visit our membership eligibility page. Once you confirm your eligibility, opening an account is just as easy! You can start the process online by visiting our account opening page or give us a call at (319) 292-5948 if you have any questions. Our friendly team is here to help you every step of the way as you take this important step towards better financial well-being at Empeople, located at 2000 Westfield Ave Waterloo Ia 50701. Join us today and discover the benefits of membership!

Business Banking & Commercial Services

Business Loan Options

Imagine having the financial support you need to take your business to the next level. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $37 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $5,170,815, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In today's fast-paced market, efficient payment solutions are crucial. Our merchant services offer practical benefits like easy payment processing and tailored solutions that fit your business model. This means you can focus on what matters most growing your business. Located at 2000 Westfield Ave Waterloo Ia 50701 in Waterloo, IA, we're here to help your business succeed. Contact us at (319) 292-5948 to learn more about how our services can meet your needs!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

If you're in the market for a new vehicle, look no further than our competitive Auto Loans and Vehicle Financing options. Picture yourself behind the wheel of a car you love without breaking the bank. We understand that purchasing a vehicle is an important decision, which is why we provide flexible terms and rates that fit your budget.

Business Banking

For entrepreneurs and small business owners, Empeople offers comprehensive Business Banking solutions including Merchant Services and Business Loans. We understand that managing a business comes with its own challenges; therefore, we strive to provide support and resources tailored specifically for businesses in our community.

Credit Cards with Rewards

Make your purchases work for you with our Credit Cards with Rewards program. Enjoy cash back or points on everyday spending while benefiting from competitive interest rates. It's a great way to earn while you spend!

Digital Convenience

In today's fast-paced world, convenience matters. That's why Empeople offers robust Online & Mobile Banking services. You can manage your accounts anytime through our user-friendly platform whether it's checking balances or making transfers. Additionally, our ATM services allow for easy cash withdrawals and balance checks so you can access your funds whenever needed. Ready to explore what Empeople has to offer? Give us a call at 319-292-5948 or visit us online at empeople.com to learn more about how we can assist you in achieving your financial goals!

Home Financing

Thinking about buying a home? Our Mortgage Loans and Refinancing services will guide you through the process with ease. We aim to make home ownership a reality for our members by offering various mortgage solutions that suit different financial situations. We also assist with refinancing options if you're looking to lower your monthly payments or tap into your home's equity.

Personal Banking

For those just starting out or anyone seeking to keep their finances organized, our Personal Banking options are tailored for you. We offer both Checking and Savings Accounts designed to make everyday banking simple and accessible. Imagine having easy access to your funds while also earning interest on your savings. With our online banking features, you can check your balances, transfer funds, and pay bills right from the comfort of your home or on-the-go.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, and when it does, our Personal Loans and Debt Consolidation services can help alleviate some of that stress. Whether it's for an emergency repair or consolidating high-interest debts into one manageable payment, we provide personalized loan solutions that empower you financially.

Digital & Online Banking

Key Services

Explore all the great features available at https://empeople.com/. From 24/7 online banking services to real-time account management, you can keep track of your finances whenever it suits you best. Need to send money to a friend? Our person-to-person transfer feature makes it quick and hassle-free. For those who prefer going paperless, we offer electronic statements, allowing you to view your account activity without the clutter of physical paperwork. Plus, with electronic signature authorization, signing documents is straightforward and secure.

Security and Convenience

Your security is our top priority. Our online banking platform uses the latest encryption technology to ensure that your information is protected. You can feel confident knowing that your financial details are safe while you enjoy the convenience of mobile banking. If you're always on the go, you'll appreciate our mobile application availability. Stay connected to your accounts right from your smartphone! Although mobile payments aren't currently offered, our app still provides essential features that keep your banking experience smooth and efficient. Whether you're checking balances or making deposits, Empeople makes it easy for you to stay in control of your financial journey. Join us today and experience hassle-free banking with all the tools you need right at your fingertips!

Financial Strength

Commitment to Excellence

With $140,636,729 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors, with $11,340 in used auto loans and a total of $1,713,598,691 in loans and leases. Our operational efficiency is reflected in our $0, which allows us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 240 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Conclusion

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 2000 Westfield Ave Waterloo Ia 50701 or call (319) 292-5948 to learn more about how we can help you achieve your financial goals.

Growing Together

Our commitment to serving you is further highlighted by our impressive member base. We currently manage 239,832 deposit accounts, showing a strong trust from our growing community. Additionally, net shares available for lending and investments stand at $2,706,872. The insights and financial data shared here come directly from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Member-Centric Savings

Your savings are secure with us. We hold $670,496,742 in share certificates and $509,739,381 in money market shares, offering you 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.

Solid Financial Health

With a net worth of $168,111,172, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $863 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Additional Loan Options

For those seeking additional funding options, our total credit lines amount to $683,422,094, providing access to funds when you need them most. Furthermore, if you are a business owner looking for growth opportunities, our outstanding commercial loans totaling $5,170,815 can provide the capital necessary for expansion. If you're considering refinancing any of these loan products or exploring eligibility options for our various offerings, please don't hesitate to reach out for more information. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Let Empeople assist you in navigating your financial journey today!

Auto Loans

Are you looking to buy a new car? Our auto loans provide some of the most competitive rates in the industry. With $196,467,235 in used vehicle loans and $136,472,762 in new vehicle loans already helping our members get on the road, we are committed to making your car-buying experience smooth and affordable.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $228,161,025. Whether you're a first-time buyer or looking to refinance your existing mortgage, we can guide you through every step of the process.

Unsecured Credit Card Loans

Managing your finances effectively is important. We also offer flexible terms on unsecured credit card loans, with a total of $99,290,488 in loans helping members meet their everyday needs without breaking the bank.

Loan Aggregator

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Empeople