Last Updated: 04/18/2025
Empeople Credit Union IRA Accumulation/Builder Account
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APY (Annual Percentage Yield)
0.35% - 0.50%(Verified 06/22/2024)
Minimum Opening Deposit
$25
Minimum Balance to Earn APY
$25
Empeople Credit Union IRA Accumulation/Builder Account Review
Empeople Credit Union IRA Accumulation/Builder Account is offered by Empeople Credit Union, a credit union founded in 1935 and based in Moline, IL. Empeople Credit Union IRA Accumulation/Builder Account are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- Higher than average APY. Empeople Credit Union IRA Accumulation/Builder Account has an annual percentage yield of up to 0.50%, which is higher than the average interest rate for savings accounts. Note that you must keep a minimum balance of $25.00 to earn that interest rate.
- No monthly maintenance fees. This account does not charge any monthly account fees.
Empeople Credit Union IRA Accumulation/Builder Account Pros & Cons
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Empeople Credit Union IRA Accumulation/Builder Account FAQ
Are savings accounts from Empeople Credit Union federally insured?
Yes, your savings accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
Does Empeople Credit Union offer a signup bonus?
Empeople Credit Union IRA Accumulation/Builder Account doesn't offer a signup bonus.
What is the minimum initial deposit for Empeople Credit Union IRA Accumulation/Builder Account?
The minimum deposit to open a Empeople Credit Union IRA Accumulation/Builder Account is $25.00.| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What APY does Empeople Credit Union IRA Accumulation/Builder Account offer?
Empeople Credit Union IRA Accumulation/Builder Account offers a variable APY starting at 0.35% and ranging up to 0.50% (APY stands for annual percentage yield, rates may change).
What fees does Empeople Credit Union IRA Accumulation/Builder Account charge?
Empeople Credit Union IRA Accumulation/Builder Account does not charge a monthly service fee. See the fee breakdown section below to view all fees.
- Outgoing domestic bank transfers come with a $35.00 fee.
- Outgoing international bank transfers come with a $50.00 fee. You can save a ton of money in fees if you use use a nonbank money transfer service.
- An overdraft on your account will trigger a $29.00 fee per item.
- Empeople Credit Union IRA Accumulation/Builder Account charges $0.50 every time you request a paper statement.
Does Empeople Credit Union IRA Accumulation/Builder Account charge overdraft fees?
Yes, Empeople Credit Union IRA Accumulation/Builder Account charges a $29.00 overdraft fee. Empeople Credit Union IRA Accumulation/Builder Account offers overdraft protection at a cost of $4.00 per transaction. This overdraft protection fee is charged every time the bank arranges a transfer from another one of your accounts, typically a savings account, to cover the overdraft.
What features and perks does Empeople Credit Union IRA Accumulation/Builder Account offer?
This savings account includes the following features:
- Mobile Banking Services - Empeople Credit Union IRA Accumulation/Builder Account allows you to manage your money online or with a mobile app.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
Can you set up a direct deposit to Empeople Credit Union IRA Accumulation/Builder Account?
Yes, you can typically set up a direct deposit to this account. However, it depends on the direct deposit program your employer uses. Most direct deposit programs allow you to send your paycheck to a savings or checking account. In some cases, you can even split your paycheck between the two.
What is the customer support email for Empeople Credit Union IRA Accumulation/Builder Account?
The customer support email for Empeople Credit Union IRA Accumulation/Builder Account is service@empeople.com.
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Hours of Operation
SundayClosedMonday9:00AM - 4:30PMTuesday9:00AM - 4:30PMWednesday9:00AM - 4:30PMThursday9:00AM - 4:30PMFriday9:00AM - 4:30PMSaturdayClosed
Other Services by Empeople Credit Union
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APY (Annual Percentage Yield)
0.50%
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Minimum Opening Deposit
$0
Minimum Balance to Earn APY
$0
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APY (Annual Percentage Yield)
0.25% - 4.00%
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Minimum Opening Deposit
$0
Minimum Balance to Earn APY
$0
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APY (Annual Percentage Yield)
0.15%
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Minimum Opening Deposit
$5
Minimum Balance to Earn APY
$5
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