Empeople Credit Union Waterloo IA | Convenient ATM Services Only

Introduction

Welcome to Empeople, your trusted credit union located at 21 W Jefferson St, Waterloo, IA 50701. Since our establishment in 1935, we have been dedicated to fostering a supportive financial community for our members. With a strong membership base of 72,658 individuals, we are proud to manage total assets exceeding $1.9 billion, reflecting our commitment to providing exceptional financial services tailored to your needs. At Empeople, we understand that every member's journey is unique. That's why we offer a variety of lending options, with over 77,760 loans and leases extended to our valued members. Our total deposits stand at an impressive $90,697,490, showcasing the trust our community places in us. Our leadership team is here to serve you better. Under the guidance of CEO Kurt Lewin and Board President Scott Hany, we continually strive to enhance our offerings and ensure your financial well-being. Our friendly staff of 242 employees is always ready to assist you with personalized service. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address: 21 W Jefferson St, Waterloo, IA 50701. If you have any questions or would like more information about how we can help you achieve your financial goals, please don't hesitate to reach out by calling us at 309-743-1000. Join us at Empeople, where your financial future is our priority! Visit our website at empeople.com for more details on membership and services. We look forward to supporting you on your financial journey!

Branch History & Mission

Community Engagement

Our connection with the community goes beyond just banking. Empeople actively participates in local outreach programs and partnerships designed to make a difference in people's lives. Whether it's supporting educational initiatives or participating in local events, we believe in giving back and strengthening our community ties. We invite you to experience what it means to be part of Empeople. Join us today and discover how we can help you achieve your financial aspirations while being part of a supportive community network. For more information about membership or to open an account online, visit Empeople's website or call us at 309-743-1000. Your journey towards financial empowerment starts here!

Our Mission

At Empeople, our mission is simple yet powerful: to empower individuals and families by providing them with access to affordable financial services. We strive to offer solutions that not only foster economic well-being but also uplift the communities we serve. We are committed to inclusivity and accessibility for all members, ensuring that everyone can achieve their financial goals. While you can visit us at 21 W Jefferson St, official correspondence should be sent to 21 W Jefferson St, Ste 102, Waterloo, IA 50701 if necessary. We operate on an appointment-only basis, allowing us to provide personalized attention tailored to your needs.

Our Story

Empeople began its journey during a time when financial services were not as accessible to everyone. Our founders aimed to create an organization that prioritized people over profit, ensuring that every member could find the financial support they needed. Over the decades, we have evolved significantly while staying true to our mission. Today, we proudly manage total assets of over $1.9 billion, reflecting our commitment to responsible growth and sound financial management. As we look back on our history, we celebrate key milestones such as expanding our membership base and enhancing our services to meet the changing needs of our community. We've introduced modern banking conveniences like online banking and mobile applications, while also maintaining a personal touch through face-to-face interactions at our branch.

Branch Location & Accessibility

Welcome to Empeople, your trusted credit union located at 21 W Jefferson St in Waterloo, Iowa. Nestled in the heart of Black Hawk County, our branch is easy to find and conveniently situated near local landmarks that make banking with us a breeze. Whether you're stopping by for a quick transaction or need assistance with your financial needs, we're here to help. At Empeople, we prioritize accessibility for all our members. Our branch features ADA-compliant facilities, ensuring everyone can easily navigate our space. While parking is readily available nearby, we recommend planning your visit during our operating hours, which are by appointment only. You can reach us at 309-743-1000 to schedule a time that works best for you. Though you can visit us at our physical location, please note that official correspondence should be sent to the same address: 21 W Jefferson St, Waterloo, IA 50701. We currently do not have ATM services or drive-thru banking available; however, we offer essential ATM services for your convenience. We invite you to experience the personal touch of banking at Empeople. Our friendly staff is dedicated to providing you with excellent service tailored to your needs. Don't hesitate to call us today or stop by and see how we can support your financial journey!

Member Eligibility

At Empeople, we believe that becoming a member is about joining a caring community that supports your financial journey. If you're looking to become part of our family, you'll be glad to know that membership is open to individuals who live, work, or worship in the Waterloo area. Whether you're new to the community or have deep roots here, we welcome you with open arms! Plus, being a member means you gain access to a wide range of financial services designed to help you thrive. To get started on your membership at Empeople, it's as easy as filling out an application online. You can find all the details about eligibility and the application process by visiting https://empeople.com/about/empeople-membership . If you have any questions or need assistance, don't hesitate to reach out to us at (309) 743-1000. We're here to help you every step of the way!

Business Banking & Commercial Services

Financing Options That Fuel Growth

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 That Make Transactions Smooth

In today's fast-paced market, having reliable payment processing is essential. Our merchant services help streamline your transactions, making it easier for customers to pay and for you to manage your finances efficiently. Imagine a busy Saturday at your store where every transaction flows smoothly; that's the power of effective merchant services. If you're ready to take your business to the next level, visit us at 21 W Jefferson St Waterloo Ia 50701 or give us a call at (309) 743-1000. Let's work together to create a bright future for your enterprise!

Comprehensive List Of Services

Commitment to Community

At Empeople, we believe that strong communities are built on trust and support. Our team is here to assist you every step of the way. Whether you have questions about setting up your account or need guidance on using our services effectively, don't hesitate to reach out at (309) 743-1000. We invite you to visit us at 21 W Jefferson St Waterloo Ia 50701 or explore more about what we offer by visiting our website at https://empeople.com/ . Join us in experiencing how we can help simplify your financial journey today!

Diverse Financial Offerings

Our range of services is designed with you in mind. Whether you're a first-time homebuyer or looking for ways to manage your day-to-day banking, we have something for everyone. One of the key offerings at Waterloo Micro is our ATM Services Only, making it easier than ever for you to access your funds when you need them most. Imagine being out and about, needing cash for an unexpected purchase, and knowing that a nearby ATM from us can help you out quickly.

Member-Focused Banking Experience

We understand that convenience is essential in today's fast-paced world. That's why Empeople prioritizes digital banking features that allow you to manage your finances from anywhere. With online banking, you can check balances, transfer funds, and pay bills right from your computer or smartphone, eliminating the need for time-consuming trips to the branch. Additionally, our mobile application makes accessing your account even simpler. You can enjoy the ease of banking on-the-go while keeping your information secure. Plus, our person-to-person payment feature allows you to send money to friends and family with just a few taps perfect for splitting bills or sending gifts.

Digital & Online Banking

E-Statements and Real-Time Management

Say goodbye to paper clutter! With e-statements available at Yes, you can view your account statements electronically. This not only helps the environment but also gives you quick access to your financial information whenever you need it.

Mobile Application and Payments

Our mobile application makes it easy to bank on the go. With just a tap on your smartphone, you can enjoy features like person-to-person transfers, allowing you to send money to friends or family instantly. While mobile payments are not currently offered at Empeople, we're continuously looking for ways to enhance your banking experience.

User-Friendly Features for Peace of Mind

We prioritize your security with robust protections in place for all digital transactions. You can feel confident knowing that your personal information is safe while using our online services. Our user-friendly design ensures that even those new to digital banking will find it easy to navigate. In a world where time is precious, Empeople is committed to providing accessible and efficient banking solutions. Experience the ease of managing your finances online and take control of your money today!

Financial Strength

Investing in Your Future

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 $1,713,598,691 in total loans and leases.

Operational Efficiency

Our $0 reflects our operational efficiency, 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.

Secure Savings Options

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.

Strong 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.

Trustworthy Partnership

Net Shares (Funds available for lending and investments): $2,706,872. Total Share and Deposit Accounts: 239,832, showing a strong and growing member base that trusts us with their finances. 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 21 W Jefferson St Waterloo Ia 50701 or call (309) 743-1000 to learn more about how we can help you achieve your financial goals.

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. Whether it's a brand-new model or a reliable used vehicle, we have the financing options that fit your budget.

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 provide competitive rates and terms designed to help you navigate the home-buying process smoothly.

Other Loan Products

In addition to these popular offerings, we also provide credit lines and other personal lending options tailored to meet various needs. With $683,422,094 available in total credit lines, you can find the right solution for unexpected expenses or planned purchases. If you're considering refinancing any existing loans or need assistance determining eligibility for our products, our team is here to help guide you through the options available. 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 supporting our members' financial journeys every step of the way. Don't hesitate to contact us for more information about how our loan offerings can benefit you!

Unsecured Credit Card Loans

Managing everyday expenses is easier with our flexible terms on unsecured credit card loans. With a total of $99,290,488 in loans helping members manage their finances effectively, you can enjoy peace of mind knowing that you have access to funds when needed.

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. This transparency helps users make informed choices without the guesswork. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This approach is based on the latest results (Source: https://www.ncua.gov ), ensuring that all offers are fair and transparent. One of the key benefits of using LendMesh is its commitment to verified data. Loan offers come from legitimate financial institutions, which fosters trust among users. Additionally, there are no sponsored listings on LendMesh. Unlike some platforms that prioritize lenders based on paid promotions, LendMesh focuses solely on delivering unbiased results. This means that every user receives the same opportunity to find the best loan options available. With real-time rate comparisons, users have access to up-to-date loan rates from multiple institutions. This feature helps individuals make sound financial decisions tailored to their needs. Thousands of users trust LendMesh for loan comparisons. One satisfied member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback illustrates the positive impact LendMesh has on consumers seeking better financial solutions. 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