Empeople rates: up to 4.40% APY
credit union · NCUA CHARTER 68598 · www.empeople.com/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Health Savings Account | 0.40% | APY | 2026-11-01 | since 2026-11-01 | ||
| High Yield Savings | $0 - $4,999.99 | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| High Yield Savings | $5,000 and over | 0.45% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| 3 Month Certificate | 3 months | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| 6 Month Certificate | 6 months | 4.10% | APY | 2026-11-01 | since 2026-11-01 | |
| 12 Month Certificate | 1 year | 4.30% | APY | 2026-11-01 | since 2026-11-01 | |
| 18 Month Certificate | 18 months | 4.40% | APY | 2026-11-01 | since 2026-11-01 | |
| 24 Month Certificate | 2 years | 4.25% | APY | 2026-11-01 | since 2026-11-01 | |
| 36 Month Certificate | 3 years | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 48 Month Certificate | 4 years | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| 60 Month Certificate | 5 years | 3.50% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Quick Silver Money Market Account | $0-$4,999.99 | 0.40% | APY | 2026-11-01 | since 2026-11-01 | |
| Quick Silver Money Market Account | $5,000-$9,999.99 | 0.45% | APY | 2026-11-01 | since 2026-11-01 | |
| Quick Silver Money Market Account | $10,000-$19,999.99 | 0.55% | APY | 2026-11-01 | since 2026-11-01 | |
| Quick Silver Money Market Account | $20,000-$49,999.99 | 1.40% | APY | 2026-11-01 | since 2026-11-01 | |
| Quick Silver Money Market Account | $50,000-$74,999.99 | 1.45% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.empeople.com/bank/savings/ | — | extract-failed | |
| www.empeople.com/checking-rates/ | — | extract-failed | |
| www.empeople.com/tools-resources/rates/ | 2026-11-01 18:43 UTC | ok | b9dfe56a72e5 |