Home Lending

More than a happy place. It’s a game plan.

Your home is more than just the place you relax. It’s a powerful financial asset that can help you navigate life’s twists and turns. At...

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Your home is more than just the place you relax. It’s a powerful financial asset that can help you navigate life’s twists and turns. At Earthmover, we believe your happy place should also be your safety net. That’s why we offer home equity loans and home equity lines of credit (HELOCs) designed to do more than fund a kitchen makeover or build a dream deck.

A home equity loan or HELOC can help consolidate high-interest debt into one manageable payment, potentially saving you hundreds in interest. It can bridge the gap when unexpected medical bills arise, cover emergency expenses without draining your savings or help you stay ahead of rising college tuition costs. Your home’s equity can even support major life events, like growing your family or starting a new business venture.

What’s the difference?
A home equity loan offers a lump sum with a fixed rate—perfect for one-time expenses with predictable payments. A variable-rate HELOC acts like a credit card with a revolving line of credit, giving you flexibility to borrow whenever you need it.

At Earthmover, we’ll work with you to determine which option aligns best with your goals, budget and lifestyle. We believe financial peace of mind starts at home. And with smart planning, your happy place can help you stay financially steady no matter what life throws your way.

Let your home do more than make you smile. Let it be part of your game plan.

Click below to learn more about how to use your home equity as a financial safety net, or stop by your local branch today.

Make your game plan

Visa Credit Cards

Introducing uChoose Rewards®

Starting July 28, 2025, Earthmover Credit Union is launching a brand-new way to reward your everyday spending: uChoose Rewards®! Whether you’re...

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Starting July 28, 2025, Earthmover Credit Union is launching a brand-new way to reward your everyday spending: uChoose Rewards®! Whether you’re grabbing coffee, filling up your tank or shopping online, you’ll earn 1.5 points for every dollar you spend with your Earthmover Visa Curva card.

What can you do with those points? A lot. Cash back, travel, gift cards, event tickets and even merchandise. Plus, you’ll have access to exclusive online offers to help you rack up points even faster.

Already earning rewards? Your existing points will automatically transfer to the new program and appear in your uChoose Rewards® account by August 27, 2025.

Want to upgrade your Earthmover Visa Contour to an Earthmover Visa Curva and start earning points? Easy! If you’re already a Contour cardholder, no credit application is required—a signed card conversion form is all you need. Call or stop in and our team will help you make the switch. Not a cardholder yet, apply here.

Make the most of your rewards! After July 28, head to online or mobile banking to track your points, check out featured deals and even link your rewards to PayPal or Amazon.

We’re excited to bring you more ways to spend smart, shop safe and do more of what you love. So go ahead—you choose how to reward yourself.

Updates

Celebrating I Love My Credit Union Day 2025!

On Friday, July 25, Earthmover is proud to join the nationwide celebration of I Love My Credit Union Day—a day dedicated to spreading the credit...

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On Friday, July 25, Earthmover is proud to join the nationwide celebration of I Love My Credit Union Day—a day dedicated to spreading the credit union difference and celebrating the positive impact we make together!

This annual social media movement, powered by the Illinois Credit Union League, unites credit union members, employees and communities from all over the country with one simple goal: to raise awareness about the value of credit unions through the power of social media. By sharing stories, photos and posts with the hashtag #ILoveMyCreditUnion, we highlight how credit unions like Earthmover support financial wellness, provide personalized service and give back to the communities we serve.

From helping members achieve financial goals to offering low rates on loans and investing in local initiatives, Earthmover is proud to be part of a movement that puts people over profit.

Want to join in?
On July 25, post on your favorite social platform using #ILoveMyCreditUnion to share why you love being part of Earthmover Credit Union. Let’s flood social media with positivity and show the world how credit unions make a difference!

Promotions

Skip a payment this summer with Earthmover!

This summer, let the sunshine last a little longer. With Earthmover by your side, every road trip and moment of rest feels even better. From June...

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This summer, let the sunshine last a little longer. With Earthmover by your side, every road trip and moment of rest feels even better. From June 1 through August 31, 2025, qualified members can take advantage of our popular Skip-A-Pay promotion!

This limited-time offer gives you the flexibility to skip one monthly payment on your fixed-rate loan for just a $30 extension fee. Whether you’re planning a vacation, tackling back-to-school expenses or simply looking for a little extra breathing room in your budget, Skip-A-Pay can help make summer a little easier.

Eligible loans include most fixed-rate consumer loans with Earthmover. Mortgages, home equity loans, credit cards and revolving credit lines are not eligible. Members must be in good standing, and some restrictions apply.

Take advantage of this opportunity to manage your finances your way, without missing a beat. To apply for Skip-A-Pay or check your eligibility, visit earthmovercu.com, call us, or stop by any branch. Hurry, this offer ends August 31, 2025!

Learn more

* Some restrictions apply. Only valid on fixed-rate loans. Offer ends August 31, 2025. Interest will continue to accrue during the month your payment is skipped, and the term of your loan will be extended. Loan Payment Extension Request must be submitted 10 days prior to your next loan payment due date. Only one loan payment per loan may be skipped during the 2025 Summer Skip-A-Payment Program.

Anniversaries

Celebrating our staff is a full-time job!

At Earthmover, our people are at the heart of everything we do. It’s their passion, dedication and commitment to our members that make us who we...

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At Earthmover, our people are at the heart of everything we do. It’s their passion, dedication and commitment to our members that make us who we are. This month, we’re proud to celebrate two incredible team members who are marking milestone anniversaries. Their years of service are more than just numbers, they’re a testament to the strength, heart and continuity of the Earthmover family. Join us as we recognize their impact and celebrate the people who help drive our mission forward every day.

Laura Villasenor, North Aurora branch manager, celebrating her five-year anniversary.

Tyler Thomas, IT Manager, celebrating his ten-year anniversary.

Scholarships

Announcing our 2025 TIP scholarship winners!

Every year, Earthmover rewards local, graduating seniors with $4,000 in scholarships as part of our Teen Investment Program (T.I.P.). The tiered...

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Every year, Earthmover rewards local, graduating seniors with $4,000 in scholarships as part of our Teen Investment Program (T.I.P.). The tiered scholarships are based on outstanding academics and a personal essay focused on what financial literacy means to them.

This year’s winners are:

Owen Miller, Aurora: University of Iowa, Mechanical Engineering

Aidan Qitaku, Montgomery: Iowa State University, Architecture

Thomas O’Driscoll, Aurora: University of Illinois Urbana Champaign, Civic Engineering

Rich Meszaros, St. Charles: Michigan Technological University, Construction Management

Personal Lending

The Anytime Loan for life’s big (and small) moments.

Life can be unpredictable. Your finances don’t have to be. With Earthmover’s Anytime Loan, you’re ready for whatever comes your way, without...

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Life can be unpredictable. Your finances don’t have to be. With Earthmover’s Anytime Loan, you’re ready for whatever comes your way, without relying on high-interest credit cards. What’s an Anytime Loan? Simple–it’s an unsecured personal loan that can be used for just about anything!

Need to knock out some debt? Cover a big purchase? Take that vacation you keep putting off? The anytime loan is ready when you are. With rates as low as 10.74% APR* and terms up to 48 months, you’ll have the flexibility to borrow what you need with a predictable monthly payment. No surprises, no collateral required.

Unlike credit cards, which often carry rates of 20% or more, our anytime loan offers a smarter, more cost-effective way to manage life’s expenses. So, whether it’s for an emergency, a special occasion or just some breathing room in your budget, our anytime loan is the do-it-all loan that puts your plans within reach.

Apply today and take control—anytime you need it.

*APR = Annual Percentage Rate. Your rate will be based on the number of years your loan is financed and your individual credit history under our personal credit program. Estimated monthly payment example=$89.00 per $1,000 (payment example is based on 10.74% APR and a term of 12 months).

Current Events

Your voice was heard!

Earthmover was founded by the community, for the community. And as a member, your voice carries real power. Here, your input doesn’t just...

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Earthmover was founded by the community, for the community. And as a member, your voice carries real power. Here, your input doesn’t just matter—it shapes what comes next. Want proof? During the recent Don’t Tax My Credit Union campaign from America’s Credit Unions, thousands of members like you stood up, spoke out and made a difference.

For years, credit unions have been exempt from federal income tax because of their not-for-profit, member-first structure. But when proposals surfaced in Congress to reconsider that status, credit union members across the country took action. Through letters, emails, calls and social media advocacy, the message was clear: don’t tax the financial institutions that put people over profits.

Thanks to this incredible member-led effort, Congress reaffirmed credit unions’ tax-exempt status in the latest federal budget legislation, leaving it untouched—a major victory for credit unions and their members nationwide.

This outcome is a powerful reminder of the influence you hold. When members speak up, lawmakers take notice. Your advocacy plays a vital role in preserving our tax status, protecting consumer rights and ensuring financial services remain accessible to all—key benefits that make credit unions truly different.

Earthmover Credit Union is proud to stand with our members and the broader credit union movement in defending what matters most: people helping people. When issues arise that affect your credit union, know that your voice truly counts.

Stay engaged. Stay informed. And when the time comes, speak up. Because together, we’re stronger.

Upcoming Community Events

July 2025 16
Build & Fund: Practical Advice for Entrepreneurs Wednesday, July 16th - 10:00 AM - 12:00 PM
Waubonsee Community College, Aurora Campus, Room 315
18 S. River Street
Aurora, IL, 60606
August 2025 20
The Future of Your Estate with Benjamin Heiler CFP Wednesday, August 20th - 5:30 PM - 7:30 PM
Earthmover Credit Union
2195 Baseline Road
Oswego, IL 60543
September 2025 24
Navigating Homebuying in Today's Market Wednesday, September 24th - 5:30 PM - 7:30 PM
Earthmover Credit Union
2195 Baseline Road
Oswego, IL 60543
September 2025 27
Fall Shred Event Saturday, September 27th - 9:00 AM - 12:00 PM
Montgomery Police Department
10 Civic Center Avenue
Montgomery, IL 60538
October 2025 4
Batavia Branch Grand Opening Saturday, October 4th
1992 McKee Street
Batavia, IL 60510

Upcoming Holiday Closings

September 2025 1
Labor Day Monday, September 1st