Emporia State Federal Credit Union


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

Notable Rates APY Vs.Others
Savings 0.15% 0.85% →
1-Year CD 0.70% 0.75% →
2-Year CD 1.10% 0.80% →
5-Year CD 0.00% 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Emporia State is an NCUA insured institution located in Emporia, KS. It was founded in 1937 and has approximately $121.7 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 2227
Date Established 1937
Assets $121.70 million
Loans $73.24 million
Deposits $110.08 million
Capital $11.36 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 - October 24, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
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 - October 24, 2021

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 330511
3.166% 3.125% 0.50 $1,312 $1,071 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

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



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.

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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
0.79% 3.79

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 June 30, 2021, Emporia State had $14,610 in non-current loans and $77,972 in owned assets. To cover these potential losses it had $11,363,501 in net worth and $361,682 in loans loss reserves. That gives it a Texas Ratio of 0.79%.

Net Worth
Emporia State U.S. Average
9.33% 12.22%

Emporia State FCU has a net worth of 9.33% versus the BestCashCow average of 12.22. 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. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Emporia State is insured by the NCUA.

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 $11.36 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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