Emporia State Federal Credit Union

Headquarters

310 W 12th Ave
Emporia, KS 66801
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.15% 1.65% →
1-Year CD 0.70% 2.02% →
2-Year CD 1.10% 3.00% →
5-Year CD 0.00% 3.35% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Credit Union Information

Emporia State is an NCUA insured institution located in Emporia, KS. It was founded in 1937 and has approximately $128.28 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 2227
Date Established 1937
Assets $128.28 million
Loans $74.72 million
Deposits $116.35 million
Capital $11.71 million
 

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 - June 27, 2022

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.15% $2,500 $4,999 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
0.60% $10,000 $14,999 Learn More
12 Mo CD
0.70% $100,000 $199,999 Learn More
24 Mo CD
1.00% $10,000 $14,999 Learn More
24 Mo CD
1.10% $100,000 $199,999 Learn More
36 Mo CD
1.15% $10,000 $14,999 Learn More
36 Mo CD
1.15% $100,000 $199,999 Learn More
48 Mo CD
1.25% $10,000 $14,999 Learn More
48 Mo CD
1.25% $100,000 $199,999 Learn More
60 Mo CD
0.00% $10,000 $14,999 Learn More
60 Mo CD
0.00% $100,000 $199,999 Learn More

Loan Rates - June 27, 2022

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 2022

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
6.266% 6.125% 1.00 $3,750 $1,520 Learn More

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



Climate Initiatives

EMPORIA STATE is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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
4.93% 4.85

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 December 31, 2021, Emporia State had $517,560 in non-current loans and $77,972 in owned assets. To cover these potential losses it had $11,706,725 in net worth and $379,009 in loans loss reserves. That gives it a Texas Ratio of 4.93%.

Net Worth
Emporia State U.S. Average
9.12% 12.36%

Emporia State FCU has a net worth of 9.12% versus the BestCashCow average of 12.36. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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