EMPORIA STATE

310 W 12TH AVE
Emporia, KS 66801

 

2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 2227
Date Established 1937
Assets $95.57 million
Loans $67.72 million
Deposits $86.14 million
Capital $8.99 million

Emporia State is an NCUA insured institution located in Emporia, KS. It was founded in 1937 and has approximately $95.57 millions in assets.

Field of Membership Restrictions

Membership is open to employees or students of Emporia State University, employees of ESU Memorial Union, members of the ESU Alumni Association, ESU Foundation or other related institutions.

Deposit Rates - August 19, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA
1.20% $500 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.65% $500 $99,999 Learn MoreShow Less
1.00% $1,000 $99,999 Learn MoreShow Less
Special: 21 Mo CD
2.80% $1,000 - Learn MoreShow Less
24 Mo CD
1.25% $1,000 - Learn MoreShow Less
Special: 36 Mo CD
2.80% $1,000 - Learn MoreShow Less
36 Mo CD
1.50% $1,000 - Learn MoreShow Less
48 Mo CD
1.75% $1,000 - Learn MoreShow Less
60 Mo CD
2.00% $1,000 - Learn MoreShow Less
Special: 60 Mo CD
3.00% $10,000 - Learn MoreShow Less

Loan Rates - August 19, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for EMPORIA STATE

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

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Triangle Lending Group, Inc.
NMLS ID: 64446
License#: MC-5531
3.419% 3.375% 0.13 $1,397 $1,106 Learn More
Rocket Mortgage
NMLS ID: 3030
4.750% 4.750% 0.00 $0 $1,305 Learn More
Hamilton National Mortgage Co.
NMLS ID: 122701
3.517% 3.500% 0.25 $525 $1,123 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

Note to EMPORIA STATE
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Branches

Below are Emporia State 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:
Ashburn,Virginia


Emporia State Locations


Financial Details

Emporia State Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Emporia State. 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
Emporia State U.S. Average
1.70% 6.77

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 31, 2019, Emporia State had $158,720 in non-current loans and $0 in owned assets. To cover these potential losses it had $8,986,807 in net worth and $361,332 in loans loss reserves. That gives it a Texas Ratio of 1.70%.

Net Worth
Emporia State U.S. Average
9.4% 13.47%

Emporia State FCU has a net worth of 9.4% versus the BestCashCow average of 13.47. 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 Emporia State

Branches and Savings

What is Emporia State?

A federal credit union, registered with the NCUA under certificate #2227.
Learn more about credit unions here.

Is Emporia State 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 Emporia State?

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

What are Emporia State's share account and share certificate rates?

Emporia State'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 Emporia State?

Emporia State has total capital of $8.99 million. Full information on Emporia State's financial position is located above.

Who owns Emporia State?

Credit Unions are owned by their members.

Where are Emporia State branches located?

See branch locations nearby.

Are Emporia State ATMs Open 24/7?

Do Emporia State ATMs accept cash deposits?

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

Does Emporia State have a mobile app?

Does Emporia State have mobile deposit?

Does Emporia State have quick pay?

How can Emporia State transfer money to other banks or credit unions?

Does Emporia State report to credit bureaus?

Does Emporia State use Chexsystems?

Does Emporia State use Equifax?

What is Emporia State's toll free phone number?

What is Emporia State's ACH Routing Number?

What is Emporia State's SWIFT code?

Where can I find Emporia State's wire transfer form?

What is the Emporia State address for deposits?

What Products Does Emporia State Offer

Does Emporia State offer mortgages?

Compare mortgage rates here.

Does Emporia State offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Emporia State offer auto and RV loans?

Compare auto loan rates here.

Does Emporia State offer student loans or personal loans?

Compare personal loan rates here.

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