Cincinnati, OH 45249
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 1.00% →
1-Year CD 0.50% 0.95% →
2-Year CD 0.60% 1.00% →
5-Year CD 1.00% 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Credit Union Information

Emery is an NCUA insured institution located in Cincinnati, OH. It was founded in 1939 and has approximately $157.8 millions in assets.

Who can join?

If you or a family member are employed by any of the companies that have trusted Emery Federal Credit Union to be the primary financial services provider for their employees, you are eligible to join.

NCUA Insured Yes
Charter Number # # 3360
Date Established 1939
Assets $157.80 million
Loans $115.35 million
Deposits $140.49 million
Capital $14.07 million

Field of Membership Restrictions

Membership in Emery Federal Credit Union is open to those who live, work, attend school or worship in Butler, Hamilton, and Warren Counties in Ohio.

Deposit Rates - October 20, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.05% $2,500 $4,999 Learn More
Money Market
0.15% $2,500 $2,999 Learn More
Money Market
0.15% $10,000 $14,999 Learn More
Money Market
0.20% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.25% $10,000 $14,999 Learn More
6 Mo CD
0.25% $100,000 $199,999 Learn More
12 Mo CD
0.50% $10,000 $14,999 Learn More
12 Mo CD
0.50% $100,000 $199,999 Learn More
18 Mo CD
0.80% $100,000 $199,999 Learn More
24 Mo CD
0.60% $10,000 $14,999 Learn More
24 Mo CD
0.60% $100,000 $199,999 Learn More
30 Mo CD
0.90% $100,000 $199,999 Learn More
36 Mo CD
0.65% $10,000 $14,999 Learn More
36 Mo CD
0.65% $100,000 $199,999 Learn More
48 Mo CD
0.75% $10,000 $14,999 Learn More
48 Mo CD
0.75% $100,000 $199,999 Learn More
60 Mo CD
1.00% $10,000 $14,999 Learn More
60 Mo CD
1.00% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
0.15% $1 $499 Learn MoreShow Less

Loan Rates - October 20, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for EMERY

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More
NMLS ID: 2890
License#: 13256
2.574% 2.500% 1.00 $2,445 $988 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to EMERY
To upload and update your bank's rates please register. It is free to register and add rates.


Below are Emery branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Emery Locations

Financial Details

Emery Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Emery. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Emery U.S. Average
2.27% 6.71

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 30, 2020, Emery had $310,516 in non-current loans and $22,839 in owned assets. To cover these potential losses it had $14,068,027 in net worth and $595,140 in loans loss reserves. That gives it a Texas Ratio of 2.27%.

Net Worth
Emery U.S. Average
8.91% 13.61%

Emery FCU has a net worth of 8.91% versus the BestCashCow average of 13.61. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Emery

Branches and Savings

What is Emery?

A federal credit union, registered with the NCUA under certificate #3360.
Learn more about credit unions here.

Is Emery FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Emery?

Please see Field of Membership information above for information on who is eligible to join.

What are Emery's share account and share certificate rates?

Emery's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Emery?

Emery has total capital of $14.07 million. Full information on Emery's financial position is located above.

Who owns Emery?

Credit Unions are owned by their members.

Where are Emery branches located?

See branch locations nearby.

Are Emery ATMs Open 24/7?

Do Emery ATMs accept cash deposits?

Can Emery customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Emery have a mobile app?

Does Emery have mobile deposit?

Does Emery have quick pay?

How can Emery transfer money to other banks or credit unions?

Does Emery report to credit bureaus?

Does Emery use Chexsystems?

Does Emery use Equifax?

What is Emery's toll free phone number?

What is Emery's ACH Routing Number?

What is Emery's SWIFT code?

Where can I find Emery's wire transfer form?

What is the Emery address for deposits?

What Products Does Emery Offer

Does Emery offer mortgages?

Compare mortgage rates here.

Does Emery offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Emery offer auto and RV loans?

Compare auto loan rates here.

Does Emery offer student loans or personal loans?

Compare personal loan rates here.

Customer Reviews for Emery

There are currently no comments for Emery. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →