Oxford Dictionary defines “Empowerment” as gaining strength and self-confidence, particularly in controlling one’s life. Empeople Credit Union* aims to empower members by sharing our expertise in overcoming life’s financial challenges. The rising cost of living and higher interest rates on loans are two challenges. Because they currently have a low-rate mortgage, some members hesitate to use their home equity to solve their problems.

Holding onto a low-interest rate while accumulating debt at a higher rate might be a mistake.

Has the interest rate on your credit cards and other variable-rate loans increased while your mortgage rate has remained low? Those with a low-interest rate of 4% APR or less may be reluctant to refinance. It’s understandable. However, you may pay up to 24% APR on other variable-rate debt. As rates rise, your monthly payment increases, putting a strain on your finances. Even though refinancing may not seem logical at first glance, Members are paying huge payments and high rates on other debt to keep their low first mortgage rates.

Are you cash-strapped and searching for answers?

Refinancing to a fixed rate may be a good idea. By reducing your monthly payments, stopping debt creep, and reducing your budget, you may even shorten the term of your mortgage. Unlocking your home’s equity is called actively managing your mortgage. If that is the case, let’s talk. And, since you have been prequalified for a mortgage refinance, our team would love to discuss your options.

You can start the conversation by clicking the link below. When it comes to actively managing your mortgage, it can be overwhelming and challenging to know where to begin. That’s why we’re here to help. Working together, you will gain a deeper understanding of your mortgage. In addition, you will receive guidance and resources that will help you become more financially empowered.

Please fill out the form below, and one of our team members will contact you about refinancing your mortgage with Empeople.

* Note: If a first-time applicant, please select Create Account, following the onscreen prompts to enroll securely. The mortgage application software does not recognize your existing Empeople Digital Banking login credentials. Consolidation is for example only.  All loans issued are subject to credit approval. Individual credit history determines rate.

** Rates and information listed is accurate as of May 10, 2023.  Offer expires June 1, 2023.

You can choose to stop receiving “prescreened” offers of credit from this and other companies by calling toll-free 1-800-567-8688. See PRESCREEN & OPT-OUT NOTICE at the right of this email for more information about prescreened offers.

+You have been pre-selected for this offer. This is not a commitment to make a loan. Underwriting eligibility guidelines include but are not limited to: an acceptable appraisal on a 1-4 family residential property, sufficient equity, sufficient assets to close, employment stability with sufficient income to service your debt, acceptable credit history, and clear property title.


This “prescreened” offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria, including providing acceptable property as collateral. If you do not want to receive prescreened offers of credit from this and other companies, call Transunion at 1-888-567-8688 or visit the website at www.optoutprescreen.com; or write Transunion Opt-Out Request PO Box 505, Woodlyn, PA 19094-0505.

1. This offer is based on an initial assessment that you met the initial criteria for creditworthiness by Empeople Credit Union, formerly known as Empeople, for a loan amount of up to $1,000.

2. Must be at least 18 years of age, a US Citizen, or permanent resident alien to qualify for this offer unless otherwise specified.

3.Empeople Credit Union maintains the right NOT to make you a loan if:

a) You no longer meet our selection criteria;

b) Based on information in your application for credit it is determined that you do not meet our criteria for creditworthiness;

c) The information provided on or with your response is incomplete, inaccurate or unverifiable;

d) Your name and or mailing address have been altered, or;

e) Empeople Credit Union receives your response after the offer has expired.

4. Empeople Credit Union will check your credit and employment history.

5. This offer is non-transferable.

Loans are made for personal, not business purposes.

6. Must be a member of Empeople Credit Union to receive this offer.