Business Details
Your Trusted Credit Union in Oswego, IL
Earthmover Credit Union has been a trusted financial partner for over six decades, rooted in community values and cooperative principles. As a not-for-profit institution, we prioritize member needs by offering competitive rates, low fees, and personalized service. Our comprehensive services include home equity loans, vehicle financing, savings solutions, and digital banking tools designed for modern convenience.With six full-service branches and multiple ATMs, we serve Aurora, Oswego, and surrounding areas while maintaining a strong commitment to local nonprofits through our Community Giveback Program. Our leadership team brings decades of expertise, ensuring responsible growth and innovative financial solutions tailored to member goals.
Services
Home Equity Loans
Personal Loans
Vehicle Financing
Savings Accounts
Checking Accounts
IRAs
Online Banking
ATM Access
Highlights and features
- We operate as a not-for-profit cooperative focused on member benefits
- Our lending team brings over 30 years of combined industry expertise
- 24/7 digital banking access with mobile deposit capabilities
- Community reinvestment through annual charity support programs
- Competitive APRs on vehicle loans and home equity financing
Associations and certifications
- American Share Insurance
- Excess Share Insurance Corporation
What people say
Great loan rates
Responsive staff
Community focus
Easy online banking
Services
Home Equity Loans
Tap into your home's value for major expenses with competitive rates. Our home equity loans provide predictable monthly payments and potential tax advantages. Funds can be used for home improvements, debt consolidation, or major life events.
Vehicle Financing
Secure low APR financing for new or used vehicles with flexible terms. Our auto loans offer no payments for 90 days and GAP coverage options. Competitive rates available for both members and non-members.
Savings Accounts
Grow your money with high-yield savings options including standard accounts, money market accounts, and specialized savings clubs. Earn competitive interest rates with easy access to funds.
Online Banking
Manage accounts 24/7 through secure online and mobile platforms. Features include bill pay, mobile check deposit, card controls, and real-time transaction monitoring for complete financial control.
IRAs
Plan for your future with Traditional and Roth IRA options. Benefit from tax advantages and professional investment guidance. Competitive rates help maximize retirement savings growth.
People
Lisa Maratea
Vice President of Lending & Collections
With nearly 30 years at Earthmover, Lisa developed the credit union's home lending department. Her expertise in real estate financing ensures quality service for mortgage and equity loan customers.
Todd Westmoreland
Executive Vice President of Lending & Collections
Bringing 36 years of credit union experience, Todd leads lending operations with a focus on member financial success. His leadership ensures responsible growth and innovative loan solutions.
Questions
How do I become an Earthmover Credit Union member?
Membership requires opening a savings account with a $5 minimum deposit. You must live, work, or worship in designated service areas.
What loan types are available?
We offer home equity loans, mortgages, personal loans, vehicle financing, and student loans with competitive rates and flexible terms.
Is my money insured?
Yes, accounts are insured up to $250,000 by American Share Insurance with optional excess coverage up to $1,000,000.
Do you offer mobile banking?
Our mobile app provides 24/7 account access, mobile deposit, bill pay, and real-time transaction alerts for member convenience.
How does the Community Giveback Program work?
We donate 1% of qualifying debit card purchases to local nonprofits. Members can also recommend specific charities for funding consideration.
