Have you heard the expression, “The journey of 1,000 miles starts with a single step?” That can be true for so many things that seem difficult at first, but every step forward takes you closer to your goal. It’s why we say, “With every move, a step forward.”

Planning is the way forward

Creating a savings plan is one good example. Putting away a little bit here and there will eventually lead to something great. For instance, our Holiday Club Savings and Vacation Club Savings can help you plan for a big expense like holiday gift giving or vacation travel by making small monthly deposits over the course of a year. When the time comes, you’ll be ready.

Think bigger savings

Already have money in savings with no immediate plans? Let's put it to work! You can earn a strong 3.65% APY¹ with a minimum deposit of $2,500 with our Share Certificate special. You’ll receive guaranteed returns each month that actually build on top of each other—what we refer to as “compounding”—which basically means your interest is earning interest.

Go with the market

Need something with a little more flexibility? Take a look at our Money Market Accounts. They give you the convenience of a limited checking account with the benefit of higher interest rates. And there’s no monthly fee if the minimum balance is maintained daily.

Take that first step

¹ APY=Annual Percentage Yield. Credit union membership is required. Rates are subject to change. This is a limited-time offer and may be withdrawn at any time. There is a penalty for early withdrawal. Fees could reduce earnings on account. Minimum balance for the CD special is $2,500. All of these accounts are based on monthly compounding of interest and monthly crediting of interest.

If you’re proud to be an Earthmover member and want to share your privileges and benefits with your friends and family members, refer them to us and you’ll both receive a nice bonus.

For every person you send to us who becomes a member, we’ll deposit $63 into your account and $63 into theirs¹. Why $63? We rolled out this Member Referral Program in 2021, 63 years after we were established as a credit union.

Simply enter your information below, as well as information on the people you’d like to invite to join us. There is no limit to the number of people you can refer, so get moving!

Refer someone

¹ 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 saving 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 deposits to share savings accounts up to 45-60 days after all criteria has 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 member 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 deposits, etc. to receive bonuses. Earthmover Credit Union rules and regulations apply. Members who have closed the Earthmover Credit Union membership 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 and referrals in circumstances where we reasonably believe they were not sent to us in good faith. Earthmover Credit Union reserves the right to terminate the program at any time, revise the program terms or refuse bonuses upon our discretion. Ask us for details.

Here’s a rather incredible fact: Since 2011, Earthmover Credit Union has been able to save our members $48,712,419.30 in interest charges! Yes, that’s nearly $49 million in just 12 years. How is this possible?

Unlike banks that have outside investors they need to keep happy, we’re a not-for-profit financial cooperative that only needs to answer to you—our member-owners. Because of that, we can reduce our fees, keep rates low and pass all those savings along directly to you. And you don’t even have to do anything to get in on the savings. It just automatically applies.

We’re building financial strength together.

Have you seen the price of eggs lately? Seems like prices keep rising, which has people scrambling (sorry, bad pun) to find ways to save. We have an easy solution for you.

Last year, the average Earthmover Auto Loan payment was $444 per month. If we use that as a base and look at the fact that our auto loans offer great low rates (one way to save) AND that you don’t need to make payments for the first 90 days¹ of your loan, that helps you keep $1,332 in your pocket ($444 x 3 = $1,332).

This is good news if you’re in the market for a new or used vehicle now. However, you may not know that you can also refinance your current auto loan from another lender with Earthmover. You can keep the vehicle you have, potentially lower your rate, and you can take advantage of no payments for 90 days. Makes sense, right?

Apply or refinance now and save

* $1,322 Figure / The figure of $1,332 is a result of the first 90 days with no payments based on the average monthly auto loan payment of all members with an Earthmover Auto Loan in Calendar Year 2022. This amount will differ based on your monthly auto loan payment and is only provided as an example.

¹ No payments will be required for the first 90 days. Only applies to auto loans. Interest will accrue during this period.