Empeople Credit Union Waterloo IA | Affordable Vehicle Loans & ATM Services

Introduction

Welcome to Empeople, your trusted financial partner located at 6725 Cedar Heights Dr, Waterloo, IA 50701. Since our establishment in 1935, we have been dedicated to serving our community with integrity and care. With a robust membership of over 72,658 individuals, we take pride in offering personalized financial solutions tailored to meet your unique needs. At Empeople, we understand that financial decisions can be overwhelming. That's why our team is here to guide you every step of the way. Whether you're looking for a new vehicle, planning for home ownership, or simply wanting to save for the future, we are committed to providing exceptional service and support. Our total assets stand at an impressive $1,947,442,053, ensuring that we have the resources to help you achieve your financial goals. Our offerings include a wide range of products such as checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking services. With total deposits reaching $90,697,490 and total loans exceeding 77,760, our commitment to responsible lending means you can trust us to provide the right solutions for your financial journey. Led by our CEO Kurt Lewin and Board President Scott Hany, our team of 242 employees is passionate about making a difference in the lives of our members. We aim not just to be your bank but a vital part of your community. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 6725 Cedar Heights Dr, Waterloo, IA 50701. Feel free to reach out via phone at 309-743-1000 or explore our services online at empeople.com. Join us today and discover how Empeople can make banking simple and beneficial for you!

Branch History & Mission

Community Engagement and Growth

Over the years, Empeople has embraced advancements in technology while maintaining our commitment to customer service. We offer online and mobile banking options for convenience and accessibility. Our ADA-compliant facilities ensure that everyone can access our services comfortably. We believe that being part of the community means giving back. Through partnerships and outreach efforts, Empeople actively participates in local events and initiatives aimed at supporting our neighbors. Whether it's sponsoring youth sports teams or hosting financial education workshops, we strive to be a pillar of support in Waterloo. As we continue to grow since our humble beginnings, we invite you to join us on this journey. Experience the benefits of membership with Empeople where your financial well-being is our top priority. Reach out today at 309-743-1000 or visit us during lobby hours from 8 AM to 4:30 PM on weekdays. Together, let's build a brighter financial future!

Our Mission

Empeople's mission is to empower our members through accessible financial solutions and genuine support. We are dedicated to providing exceptional personal banking services that include checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. Beyond just numbers, we focus on building lasting relationships within our community. Our goal is not only to help you manage your finances but also to make a positive impact in the lives of those around us. While members can visit us at our branch address, official correspondence should be sent to the same address: 6725 Cedar Heights Dr, Waterloo, IA 50701. This consistency helps ensure clear communication and service for all our members.

Branch Location & Accessibility

Accessibility Features

At Empeople, we understand the importance of accessibility. Our branch is designed with your comfort in mind. We offer ADA-compliant entrances and ample parking space for both regular and disabled vehicles. Whether you're walking in or using mobility aids, you'll find it easy to access our services.

Call to Action

Ready to take the next step in your financial journey? Visit us today at Empeople or give us a call at 309-743-1000. We're excited to help you achieve your financial dreams!

Convenient Hours and Services

We're here for you during the week! Our lobby hours are from 8 AM to 4:30 PM, Monday through Friday. Whether you need to open an account, apply for a loan, or just have a chat about your financial goals, our friendly staff is ready to assist you. In addition to our personal banking services including checking and savings accounts, auto loans, and credit cards with rewards we also offer an ATM on-site for quick cash withdrawals and balance checks. While we don't have drive-thru service at this location, our dedicated team is always available inside to help with any questions you might have.

Member Eligibility

Joining the Empeople community is like stepping into a welcoming family where your financial well-being is our top priority. To become a member, you simply need to meet some friendly eligibility criteria. If you live or work in certain areas, are related to an existing member, or are an employee of one of our partner organizations, you're likely eligible to join us! This means that whether you're looking for personalized banking services or competitive loan options, Empeople is here for you. You can easily check the complete details and any updates on eligibility by visiting this link. Once you see that you qualify, opening an account is a breeze! Just head over to our account opening page at this link, and you'll be on your way to accessing all the benefits we offer. If you have any questions, feel free to give us a call at (309) 743-1000. We're excited to help you start this journey with Empeople at our branch located at 6725 Cedar Heights Dr Waterloo Ia 50701!

Business Banking & Commercial Services

Merchant Services That Make Sense

In addition to loans, we provide essential merchant services that simplify payment processing. Whether it's setting up card readers for your retail shop or offering online payment solutions, we're here to ensure your transactions are smooth and efficient. This means you can focus on what you do best running your business. Located at 6725 Cedar Heights Dr Waterloo Ia 50701 in Waterloo, IA, our team is ready to partner with you on your journey to success. For more information, call us at (309) 743-1000 or visit us online at https://empeople.com/ . Let's turn your business goals into reality together!

Tailored Loan Solutions

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 Solutions

For entrepreneurs and business owners, we offer essential services like merchant services and business loans. We understand the challenges of running a business and provide flexible solutions that cater to your specific needs.

Embracing Digital Convenience

In today's fast-paced world, accessibility is key. That's why we prioritize digital banking features at Waterloo - Pec. With our online and mobile banking, you can manage your accounts anytime, anywhere. Check balances, transfer funds, or pay bills with just a few taps on your device. Plus, our ATM and cash withdrawal services ensure easy access to your money whenever you need it. At Empeople, we're not just about transactions; we're about relationships. Our knowledgeable staff is always ready to answer questions or guide you through any process. If you're interested in learning more about how we can support your financial journey, don't hesitate to reach out at (309) 743-1000. We invite you to visit us at 6725 Cedar Heights Dr Waterloo Ia 50701 or explore more about our offerings online at our website. Join us today and experience the difference with personalized service designed for real people like you!

Personal Banking Made Easy

When it comes to personal banking, we offer various options to suit your lifestyle. Our checking and savings accounts are designed for convenience, making it simple for you to manage your daily finances. Whether you're saving for a vacation or just need a reliable place for your funds, we have the right account for you. For those looking to finance their next vehicle, our auto loans and vehicle financing options are competitive and straightforward. We know that purchasing a car can be a big decision, so our friendly staff will guide you through the loan process, ensuring that you find the best terms available. If you're dreaming of owning a home, our mortgage loans and refinancing services can help make that dream a reality. From first-time homebuyers to those looking to refinance an existing mortgage, we provide personalized service to navigate the complexities of home financing.

Support When You Need It Most

Life can throw unexpected expenses your way. That's where our personal loans and debt consolidation services come into play. Whether you need funds for a major purchase or want to streamline existing debts into one manageable payment, we're here to assist you in finding the right solution. Additionally, our credit cards with rewards offer benefits that fit your lifestyle. Earn points on everyday purchases and enjoy perks that enhance your spending experience.

Digital & Online Banking

Key Services

Our online banking platform allows you to check your balance, transfer money, and pay bills with just a few clicks. You can also enjoy the convenience of electronic signature authorization, making it simple to sign documents without the hassle of printing and scanning. Plus, our e-statements feature ensures you have quick access to your financial records without the clutter of paper statements. For those who prefer mobile banking, our user-friendly mobile application puts everything you need right in your pocket. Whether you're looking to make person-to-person transfers or simply check your account on the fly, we've got you covered. While we currently do not offer mobile payments, rest assured that our online banking tools are robust enough to meet most of your needs.

Security and Accessibility

Your security is our top priority. We employ advanced security measures to protect your personal information while giving you peace of mind as you manage your finances online. Our platform is designed with ease-of-use in mind, ensuring that even those who aren't tech-savvy can navigate it comfortably. With all these features at your fingertips, managing your finances has never been easier. Join us today at Empeople and experience the convenience of modern banking through our digital services!

Financial Strength

A Solid Foundation

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.

Commitment to Innovation

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 is evident with $11,340 in used auto loans and $1,713,598,691 in total loans and leases, supporting members' financial goals across various sectors.

Community Trust

We currently serve 239,832 members who trust us with their finances. This growing member base showcases our dedication to fostering a strong community connection while providing reliable banking services. 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 6725 Cedar Heights Dr Waterloo Ia 50701 or call (309) 743-1000 to learn more about how we can help you achieve your financial goals.

Efficient Operations

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 240 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Member Savings and Growth

Members' savings are secured through $670,496,742 in share certificates and $509,739,381 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.

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 flexible terms and quick approval processes to make purchasing your next vehicle as easy as possible.

Business Loans

For business owners seeking capital for growth and expansion, our outstanding commercial loans totaling $5,170,815 provide the financial support necessary to take your business to the next level. If you're interested in any of these loan products or want more information about refinancing options or eligibility criteria, feel free to reach out. You can contact us at (309) 743-1000 or visit us at our branch located at 6725 Cedar Heights Dr Waterloo Ia 50701, Waterloo, IA. 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're committed to helping you find the right financial solutions that fit your life.

Credit Lines

For those who need additional flexibility in managing expenses or projects, our total credit lines amount to $683,422,094. This option allows you to borrow as needed without the hassle of applying for a new loan each time.

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. Whether you're a first-time buyer or looking to refinance an existing mortgage, our dedicated team is here to guide you through each step.

Unsecured Credit Cards

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 credit cards come with rewards and no annual fees so that you can make everyday purchases while earning benefits.

Loan Aggregator

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 every loan offer is fair and transparent. Users can trust that they are getting accurate information when comparing different loan options.

Benefits of Using LendMesh

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EMPEOPLE CREDIT UNION