![Your money is earning 4.50% APY ($50,000 minimum deposit required) | Certificate maturity in just 6 months [desktop]](images/september2023/EMC114A07-CD_D-Hero-4.50-September.jpg)
![Your money is earning 4.50% APY ($50,000 minimum deposit required) | Certificate maturity in just 6 months [mobile]](images/september2023/EMC114A07-CD_M-Hero-4.50-September.jpg)
Let's supercharge your earnings in just 6 months.
- Extremely High Yield
- Guaranteed Earnings
- Compounding Interest
- 100% Risk-Free
Short-term deposit.
Long-term benefits.
Our CDs are a safe, secure way to grow your money—guaranteed. You’ll get higher earnings in less time, giving you an effortless way to boost your savings for whatever the future holds.
As your money grows, you earn interest on your interest. That’s the magic of compound interest. With the power to help shape a brighter future, guess we could call it a Certificate of Destiny.
Earn an incredible 4.50% APY¹
Looking for a longer term? We'e got options.
| Term | Deposit | What you earn |
|---|---|---|
| 6 Month | $50,000 + | 4.50% APY¹ |
| 6 Month | $5,000 - $49,999.99 | 4.25% APY¹ |
| 12 Month | $50,000 + | 4.25% APY¹ |
| 12 Month | $5,000 - $49,999.99 | 4.00% APY¹ |
With one simple phone call or by visiting one of our branches, a member representative can open your high-earning CD and take your savings to the level it was destined for
From where you are, to where you're going.
$
Because we’re a not-for-profit financial institution, we can reduce our fees, keep rates low and pass those savings along directly to you. Since 2011, we’re proud to have saved our members nearly $49 million in interest and we don’t plan on stopping. Money talks, and here’s proof.
Ready to become an Earthmover?
Moving towards a better way to bank.
We aren't owned by shareholders. We’re owned by members, like you. And that simply means we have a vested interest in looking out for your needs.
So what kind of banking experience should you expect from Earthmover? Take a look.
People first. Always.
For nearly 65 years, Earthmover has been a driver of honest and transparent banking—moving people together into a supportive, mutually beneficial cooperative while defining and refining our role as a community stakeholder. We’re here because of you and we’re here for you.
Our mentality of people over profits puts the member in control with Earthmover in their corner. When you’re ready to become more than just an account number at a big-box financial institution, look no further than here.
Creating a safe and inclusive financial environment for everyone is part of who we are.
More ways Earthmover Credit Union can help.
Always at your side
We’re here to help you remain financially stable through uncertain economic times and come out on the other side even stronger. From saving money for a new car to putting away funds for a relaxing retirement—and everything in between—we have the savings accounts you need to feel secure for what lies ahead.
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Working to keep more money in your pocket
Last year we were able to save our members more than $7.6 million by refinancing their loans from other financial institutions. If you have a high-rate loan on your vehicle, your RV, your boat, your mortgage and/or your credit card, come talk with us and let’s work to keep more money in your pocket.
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Saving comes naturally.
Need another reason to become an Earthmover? How about 7.6 million ones? Last year alone, Earthmover was able to collectively save our members $7.6 million compared to customers at larger banks with similar loans and accounts.
At this credit union, you are so much more than just a profit center disguised as an account number. Sure, you’re a member—and a valued one at that. But you’re also an owner with a say in how we move forward.
We invite you to finally just say "no" to those big-box banks with their high rates on loans, low yields on savings and expensive (often hidden) fees.
Aim to save* Funds are insured up to $250,000 per account by ASI (American Share Insurance), the nation's largest private deposit insurer. This institution is not federally insured.
¹ Credit union membership is required. APY = Annual Percentage Yield and is accurate as of September 12, 2023. This is a limited time offer and maybe withdrawn at any time. There is a substantial penalty for early withdrawal. The frequency with which interest will be compounded and credited is monthly. The "month" begins on the first calendar day of the month and ends on the last calendar day of the month. Minimum balance and other fees may apply. Please refer to our separate Schedule of Fees and Charges and Important Account Information disclosure for additional account details.
² No payments will be required for the first 90 days. Only applies to auto loans. Interest will accrue during this period.
³ Applies to mortgages only. From the date Earthmover CU receives complete, signed loan application through date of closing, the mortgage process can take as little as 30 days for a home purchase and an average of 45 to 60 days for a mortgage refinance. The timelines quoted are contingent upon: (1) borrower providing all requested documents and information by the date(s) stipulated; (2) availability of appraiser to conduct on-site appraisal, if one is necessary; and, (3) available schedule of Earthmover CU loan processors and underwriters.
⁴ Interest-earning checking accounts Checking balance must be greater than $1,000 to earn interest.