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

Introduction

Welcome to Empeople, your trusted partner in financial wellness! Located at 1400 Westfield Ave, Waterloo, IA 50701, we have proudly served our community since 1935. With over 72,658 members and a commitment to helping you achieve your financial goals, we are more than just a credit union; we are a vital part of the Waterloo community. At Empeople, we believe in providing accessible financial services tailored to meet the diverse needs of our members. Whether you're looking for personal banking options like checking and savings accounts or seeking assistance with auto loans and mortgages, our team is here to support you every step of the way. Our total assets exceed $1.9 billion, with $90,697,490 in deposits and a solid net worth of $168,111,172 a testament to our stability and reliability. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address: 1400 Westfield Ave, Waterloo, IA 50701-5343. We also offer convenient online banking services that allow you to manage your accounts from anywhere. Under the leadership of our dedicated CEO, Kurt Lewin, and Board President, Scott Hany, Empeople continues to thrive with a team of 242 employees committed to providing exceptional service. We invite you to experience the difference that comes with being part of a member-focused credit union. Ready to take control of your finances? Give us a call at 319-292-5946 or visit our website at empeople.com today! Let's work together toward your financial success.

Branch History & Mission

Join Us Today!

Empeople is here for you with operating hours every Thursday from 7:00 AM to 4:00 PM. Whether you're looking for reliable banking services or seeking guidance on your financial journey, our team is ready to assist you. Experience the benefits of membership at Empeople today! Explore how we can help you achieve your financial goals by visiting us or calling at 319-292-5946. Together, let's build a stronger community!

Our Evolution

Located at 1400 Westfield Ave, our branch stands as a testament to our commitment to the community. We have continuously adapted to meet the needs of our members while maintaining our core values. From humble beginnings to becoming a trusted partner in financial wellness, our history is rich with milestones that reflect our growth and resilience. As technology has evolved, so have we. At Empeople, we embrace digital advancements that make banking easier for everyone. Our online and mobile banking options allow members to manage their finances conveniently from anywhere. We are proud to offer electronic signatures and e-statements, ensuring that your banking experience is not only efficient but also environmentally friendly.

Our Mission

At the heart of Empeople's mission is a strong commitment to empowering our members through exceptional financial services while giving back to the community that supports us. We believe in providing personal banking options like checking and savings accounts, auto loans, mortgage financing, and credit cards with rewards tailored to meet your unique needs. Our mission extends beyond just banking; it encompasses a deep dedication to supporting local initiatives and fostering partnerships within Waterloo and surrounding areas. We actively participate in community outreach programs that uplift those around us, demonstrating that we are more than just a financial institution we are your neighbors. While you can visit us at our main branch address, any official correspondence should be directed to our mailing address: 1400 Westfield Ave, Waterloo, IA 50701-5343.

Branch Location & Accessibility

Operating Hours

We invite you to visit us during our lobby hours every Thursday from 7:00 AM to 4:00 PM. Our team is ready to assist you with a variety of services that cater to your financial needs. While we currently do not offer drive-thru banking, our friendly staff is here to provide personalized service inside the branch.

Parking and Accessibility

Parking is available right outside our branch, making it simple for you to stop by. We are committed to accessibility and have features in place to ensure that everyone can visit us with ease. Our facilities comply with ADA standards, ensuring ramps and accessible entrances for those who need them.

Services Offered

At Empeople, we pride ourselves on offering a range of services tailored just for you. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Need assistance with business banking? We also provide merchant services and business loans. Plus, enjoy the convenience of online and mobile banking anytime you need it. While you're here, feel free to take advantage of our ATM services, which are available for quick cash withdrawals and balance checks.

Stay Connected

If you have any questions or need assistance before your visit, don't hesitate to give us a call at 319-292-5946. We're eager to help you manage your financial journey! Remember, while members can visit us at 1400 Westfield Ave, official correspondence should be sent to the same address for clarity. We look forward to seeing you soon at Empeople! Your financial wellness is our priority.

Member Eligibility

At Empeople, we believe that everyone deserves the opportunity to be part of a caring and supportive financial community. Joining us is simple! If you live, work, or worship in the Waterloo area, you're already eligible to become a member. We welcome individuals from all walks of life, ensuring that our services cater to your unique needs. By becoming a member of Empeople, you'll gain access to a variety of financial products tailored just for you, including checking and savings accounts, auto loans, and more. To get started on your membership journey, simply visit us at our branch located at 1400 Westfield Ave Waterloo Ia 50701 or give us a call at (319) 292-5946 for more information. For detailed eligibility criteria, check out our resource at https://empeople.com/about/empeople-membership. When you're ready to open an account, head over to https://my.empeople.com/enroll. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Merchant Services That Matter

In today's fast-paced world, efficient payment processing is crucial. Our merchant services simplify transactions so you can focus on what you do best running your business. Whether it's setting up easy payment options or managing invoices, we ensure that your operations run smoothly. When you choose Empeople, you're not just getting a bank; you're gaining a partner committed to your business's financial well-being. Reach out today at (319) 292-5946 to discover how we can assist you on your path to success!

Tailored Loan Options

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.

Comprehensive List Of Services

Business Banking Services

For local business owners, we offer specialized support through our Business Banking services, including Merchant Services and Business Loans. These tools are designed to help your business grow and thrive in the competitive market.

Connect with Us

We invite you to visit us at 1400 Westfield Ave Waterloo Ia 50701, or give us a call at (319) 292-5946 for any questions about our services or how we can assist you further. Explore the full range of offerings available at Waterloo - Spo today! Your financial journey is important to us let's navigate it together!

Digital Banking Features

In today's fast-paced world, convenience is key. That's why at Empeople, we prioritize digital banking. Our Online & Mobile Banking platforms allow you to manage your finances anytime and anywhere. Whether it's checking your balance, transferring funds, or paying bills, everything is just a click away. Need cash? Our ATM & Cash Withdrawal Services ensure you have easy access to your funds whenever you need them. With basic ATM access for withdrawals and balance checks, managing your money becomes hassle-free.

Personal Banking Solutions

When it comes to personal banking, we understand that everyone has unique needs. That's why we offer Checking & Savings Accounts designed for both everyday use and long-term savings goals. Whether you're saving for a vacation or managing your daily expenses, our accounts come with features to help you succeed. For those looking to invest in a new vehicle, our Auto Loans & Vehicle Financing options make the car-buying process smoother. We provide competitive rates and flexible terms to fit your budget. And if you're considering buying a home or refinancing an existing mortgage, our Mortgage Loans & Refinancing services can guide you through every step, making homeownership more achievable. If unexpected expenses arise, you can rely on our Personal Loans & Debt Consolidation options. We aim to make borrowing straightforward and manageable, helping you regain control of your finances without stress. Plus, our Credit Cards with Rewards allow you to earn points on everyday purchases, giving you even more value from your spending.

Digital & Online Banking

Key Features

Our online banking service is available 24/7, so you can check your balance, transfer funds, and pay bills at your convenience. You won't have to wait until business hours to manage your money. Plus, our electronic signature authorization allows you to complete transactions securely without the hassle of paperwork. If you prefer going paperless, you'll love our e-statements feature. You can view your statements online whenever you need them, which helps keep everything organized and reduces clutter at home. For those on the go, our mobile application makes banking even more accessible. You can perform all the essential functions directly from your smartphone or tablet. Whether it's checking balances or making person-to-person transfers with just a few taps, we've got you covered.

Security and Support

We prioritize your security with advanced measures in place to protect your personal information. Our user-friendly interface ensures that even those new to online banking will find it easy to navigate through their accounts confidently. Whether you're at home or out running errands, managing your finances has never been more straightforward or secure than with Empeople's digital banking services. Join us today and experience the ease of banking at your fingertips!

Financial Strength

Committed Team

Our success is driven by people who care. We take pride in having 240 full-time employees and 2 part-time employees who are dedicated to serving you with knowledge and commitment. 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 1400 Westfield Ave Waterloo Ia 50701 or call (319) 292-5946 to learn more about how we can help you achieve your financial goals.

Investing Back into Our Community

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 commitment to growth means we're continuously looking for ways to improve your experience with us. We also support our community with $11,340 in used auto loans and $1,713,598,691 in total loans and leases. This lending capacity helps members achieve their financial goals across various sectors.

Secure Savings Opportunities

Members' savings are secured through $670,496,742 in share certificates and $509,739,381 in money market shares. These options not only secure your funds but also offer stable and rewarding growth opportunities for your hard-earned money. 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.

Strong Financial Health

With a net worth of $168,111,172, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. This strong foundation supports our ability to provide you with the services you need, when you need them. Our net worth ratio of $863 demonstrates a solid capital foundation. This means we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $196,467,235 in used vehicle loans and $136,472,762 in new vehicle loans already helping members get on the road. We provide financing for both new and used vehicles so you can choose what suits you best. If you're considering refinancing your existing auto loan to lower your payments or reduce your interest rate, we have options available as well.

Credit Lines and Other Loans

For those who require additional flexibility in their finances, our total credit lines amounting to $683,422,094 provide members with an excellent option for managing cash flow and unexpected expenses. Whether you need a little extra for personal projects or larger purchases, our credit line solutions are designed with your convenience in mind. At Empeople, we are committed to offering transparent and supportive services tailored to our community's needs. For more information about our loan products or eligibility requirements, please don't hesitate to reach out at 319-292-5946 or visit us online at empeople.com. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $228,161,025, make buying or refinancing simple. We believe that owning a home should be accessible and straightforward. Our knowledgeable team is here to guide you through the process from application to closing.

Unsecured Credit Card Loans

Managing everyday expenses can sometimes feel overwhelming. We also offer flexible terms on unsecured credit card loans, with a total of $99,290,488 in loans helping members manage their finances effectively. These cards come with various benefits tailored to enhance your spending experience while keeping your budget intact.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Loan Comparisons

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 users receive fair and transparent offers tailored to their needs. By adhering to these rigorous standards, LendMesh builds trust among its users.

Empeople