Auto Loans

What’s your wish?

What’s on your summer fun list? Camping at one of the 69 state parks in Illinois? Canoe trip down the Illinois river? Visiting Starved Rock?...

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What’s on your summer fun list? Camping at one of the 69 state parks in Illinois? Canoe trip down the Illinois river? Visiting Starved Rock? Splashing around at Raging Waves water park? Taking part in the Galena balloon race or checking out some of the amazing summer music festivals? Need some additional inspiration? Check out these bucket list ideas.

With limitless adventures awaiting, make the most of them with an auto loan from Earthmover. We’re currently offering rates as low as 4.74% APR¹ on car and truck loans or recreational vehicle (RV) and boat loans² to get you to the action—and help you stay there. Let the good times roll with no payments on your new or used car, truck or refinanced vehicle until after the summer is over.³

Ready to get your voyage started? We’ll make it fast and simple for you.

Get started

¹ APR=Annual Percentage Rate. Rate is determined by credit score, loan term, and vehicle model year. The maximum rate for an auto loan is 19.24% APR. Auto refinancing offer only applies to loans financed by institutions other than Earthmover Credit Union. Financing up to 84 months available for qualifying vehicles. Maximum loan-to-value limits apply. Contact a credit union representative for details. Conditions and terms are subject to change without notice. Proof of address and verification of employment are required. Rates are current as of March 26, 2024 and are subject to change based on market conditions. Payment example: on a $35,000 auto at 5.89% APR for 60 months, your payment would be $675/month.

² Your rate will be based on the number of years your loan is financed and your individual credit history under our personal credit program. Minimum score requirement 700 or above. Rates depend upon credit qualifications and approval.

³ No payments will be required for the first 90 days. Only applies to auto loans. Interest will accrue during this period.

Summer Skip-A-Pay

Take a break

Is your budget feeling the summer heat? We’ll help cool things off with Summer Skip-A-Pay*. Take a break from one of your monthly Earthmover...

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Is your budget feeling the summer heat? We’ll help cool things off with Summer Skip-A-Pay*. Take a break from one of your monthly Earthmover fixed-rate loans to free up some cash for travel, a warm-weather wardrobe or paying off bills.

This offer is valid through August 31, 2024. If you need to free up a little extra cash for fun, give yourself some breathing room with Summer Skip-A-Pay*. If you have any questions, please feel free to visit one of our branches or contact us online.

Skip it

*Some restrictions apply. Only valid on fixed rate loans. Offer ends August 31, 2024. 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 2024 Summer Skip-A-Loan Payment Program. See an Earthmover team member for details.

Looking to the future

Welcome, PECU

Earthmover Credit Union and Peoples Energy Credit Union (PECU) recently joined forces, increasing the financial power they can provide members....

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Earthmover Credit Union and Peoples Energy Credit Union (PECU) recently joined forces, increasing the financial power they can provide members. We’d like to officially welcome the members of PECU and share with you what it means to be an Earthmover.

First, we share the same values of “people helping people,” which means you can count on us to be there when you need us. We’re also out and about in the community, sponsoring events, supporting charities and holding fundraisers.

We offer exceptional convenience, such as online banking and bill pay, mobile banking and mobile deposit. That’s in addition to several full-service branches and multiple ATM and Co-Op Shared Branches to serve all your needs.

You’re now part of a community of nearly 30,000 members and an organization that’s ready to help you succeed in your financial journey. If you have questions, we’ve put together a Welcome Page to cover everything you’ll need to know about the merger. Of course, feel free to stop by any branch or contact us if there’s something we haven’t covered here for you.

With that said, welcome to Earthmover! We think you soon see why we say “With every move a step forward.”

Earthgivers

In support of Axel Johnson

This coming September, the Earthgivers crew is heating up the grills for a BBQ benefiting eight-year-old Axel Johnson of Montgomery. Axel was...

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This coming September, the Earthgivers crew is heating up the grills for a BBQ benefiting eight-year-old Axel Johnson of Montgomery. Axel was born severely affected by Cytomegalovirus (CMV) which negatively impacts his hearing, vision motor and brain functions. Thus far, and four surgeries later, doctors and his family are doing everything they can to improve Axel’s quality of life and provide him with every bit of opportunity. These surgeries are a necessary but tremendous financial cost to the family.

On Wednesday, Sept. 18 from 4–6 p.m., visit the Earthmover Oswego branch at 2205 Baseline Road for delicious BBQ and sides. All sales go directly to benefit Axel and his family. Tickets for BBQ dinners can be purchased at all branch locations.

Momentum Blog

Gaining Momentum

Being your financial advocate means we do more than just provide valuable products and stellar services. We’re also here to deliver sound...

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Being your financial advocate means we do more than just provide valuable products and stellar services. We’re also here to deliver sound advice to help you reach your ambitions. That’s why we created the Earthmover Momentum blog to keep your goals moving forward.

You’ll find all kinds of great topics to check out, from identity theft and the dangers of payday loans, to smart financial moves for college students, buying a home and even the cost of being a pet parent.

We’ll continue adding new topics throughout the year, so stay tuned!

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Member Referral

Everyone wins when we work together

Have you heard about our Member Referral Program? It’s a way to earn yourself extra money while also helping your family, friends, neighbors...

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Have you heard about our Member Referral Program? It’s a way to earn yourself extra money while also helping your family, friends, neighbors and community.

To honor the fact that Earthmover Credit Union was chartered in 1958, we’re offering $58* to each member who refers a new member to us. Once the person you refer becomes a member, they’ll also receive $58*. Plus, we’re offering another $58* to go to one of three charitable organizations that we support each quarter—the choice is all yours. On top of that, one referring member will be randomly chosen every three months to reward $1,000 to their chosen local charity, compliments of Earthmover.

It’s easy to get things rolling and there is no limit to the number of people you refer, so start spreading the news. Refer 10 people and get $580*. Refer 20 and stack up $1,160*! All while helping others.

Refer someone today

*To qualify for the referral bonus the member making the referral must use the online referral form. The referred person must open a membership with Earthmover Credit Union with a share savings account and open at least one additional account within 30 days of the referral date. The referred new member’s accounts must remain open for at least 365 days. Bonuses will be awarded via deposit to share savings accounts up to 45-60 days after all criteria have been met and verified. In the event more than one member refers the same individual Earthmover Credit Union will award the bonus to the first member making the referral. Referred members must be new to Earthmover Credit Union. There is no limit to the number of referrals a member may submit. You must qualify for and establish membership at Earthmover Credit Union and be of legal contract age to apply. All accounts are subject to our normal approval process. Members and accounts must be in good standing and accounts must have recent account activity such as debit transactions credit card transactions direct deposit etc. to receive bonuses. Earthmover Credit Union rules and regulations apply. Members who have closed their Earthmover Credit Union within three months prior to being referred are not eligible. Fees can reduce earnings on the account. This offer is non-transferable and may be canceled without prior notice. We reserve the right to disqualify any referrals in circumstances where we reasonably believe they were not sent to us in good faith. Local non-profit donations will be paid once all criteria have been met and verified. Earthmover Credit Union reserves the right to terminate the program at any time revise program terms or refuse bonuses upon our discretion. Ask us for details. Cash incentive will be reported on IRS form 1099-INT.

Scholarships

What a great TIP

Earthmover recently awarded four Teen Investment Program (TIP) College Scholarships totaling $4,000 to local high school students who will be...

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Earthmover recently awarded four Teen Investment Program (TIP) College Scholarships totaling $4,000 to local high school students who will be headed off for continuing study programs next semester. The four winners included:

First place ($2,000): Jensen Coonradt from Aurora, who will be studying electrical engineering and computer science at Massachusetts Institute of Technology.

Second place ($1,000): Joanna Oudyn from Yorkville, who will be studying linguistics at Moody Bible Institute.

Third place ($500): Ryan Walsh from Oswego, who will be studying mechanical engineering at University of Indianapolis.

Fourth place ($500): Ben Pavlick from Oswego, who will be studying mechanical engineering at Iowa State University.

The scholarships were awarded based on outstanding academics and an essay about what invention they wished had never been invented. Congratulations to this year’s award recipients!

Earthgivers

Pop in to support the 3:11 Project

As a part of our efforts to not only serve our members but also the communities where they live, work and play, we regularly partner with...

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As a part of our efforts to not only serve our members but also the communities where they live, work and play, we regularly partner with non-profits and charitable agencies to help them continue their missions.

One effort we’re working with right now is the 3:11 Project , a non-profit organization that serves individuals struggling to provide basic necessities for themselves and their families. We’re helping them raise funds by holding a popcorn fundraiser.

The next time you’re in one of our branches, you can purchase a bag of popcorn from The Popcorn Store to assist people in need, while also treating yourself to a tasty snack. There are three kinds of flavors to choose from, including cheese, caramel or Windy City Chicago Style (a mix of cheese and caramel), priced at $9 per bag. Cash donations are also accepted and appreciated. Do good and feel good at the same time.

Achievements

Earthmover recognized for business excellence

The Aurora Regional Chamber of Commerce recently held their Third Annual Celebration of Business Excellence at Loft 28 West in Aurora. At that...

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The Aurora Regional Chamber of Commerce recently held their Third Annual Celebration of Business Excellence at Loft 28 West in Aurora. At that gathering, they recognized Earthmover Credit Union with the 2024 Mid-Sized Business Excellence Award.

Earthmover was chosen because of several key projects, including updated financial resources for local businesses, our acquisition of Peoples Energy Credit Union, the remodeling of our branches and for being an active part of the Aurora business community.

One program highlighted in the presentation was the launch of our updated Employer Partner Program, CORE, which offers free financial guidance and resources to help our Employer Partners grow.

We couldn’t be prouder of all the hard work our team members have put into building relationships with our community. When local businesses flourish, we all benefit.

Upcoming Holiday Closings

September 2024 2
Labor Day Monday, September 2nd
October 2024 14
Columbus Day Monday, October 14th

Upcoming Community Events

September 2024 21
Shred Event Saturday, Sept. 21st
Community Shred Event in partnership with the Village of Montgomery will be held Saturday, September 21st 9am-12pm (rain or shine!) at the Montgomery Police Department at 10 Civic Center Dr., Montgomery, IL. There is a limit of four banker boxes. Visit our events page for more information.