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 Credit Union of Emporia Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 29, 2026
Credit Union of Emporia's 36 Month CD rates are at 4.31%, 24 Month CD rates are at 4.06%, 12 Month CD rates are at 3.80%, 18 Month CD rates are at 3.65%, 6 Month CD rates are at 3.47%. Credit Union of Emporia's RV, Boat and Powersport Loan Rates are as low as 8.99%. Credit Union of Emporia's Credit Card Rates are at 11.99%. Credit Union of Emporia's CD rates are 34% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Credit Union of Emporia with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.03%. Rates last updated and verified on 10/29/2026. Credit Union of Emporia money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Credit Union of Emporia? Share your experience about Credit Union of Emporia by leaving a review below, or read customer reviews before you decide to use Credit Union of Emporia. Credit Union of Emporia
CREDIT UNION OF EMPORIA 2711 W 15TH AVE
https://www.cuofe.org EMPORIA, KS 66801  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Credit Union of Emporia CD Rates
Credit Union of Emporia Savings Rates
Credit Union of Emporia Auto Loan Rates
Credit Union of Emporia RV, Boat and Powersport Loan Rates
Credit Union of Emporia Credit Card Rates
Credit Union of Emporia Personal Loan Rates
Credit Union of Emporia Other Rates
Financial Health HistoryCredit Union of Emporia’s Texas Ratio rose from 0.05% in Q3 2023 to 1.03% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Credit Union of Emporia is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Credit Union of Emporia rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Credit Union of Emporia's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Credit Union of Emporia
Website
https://www.cuofe.org
Address
2711 W 15TH AVE,
EMPORIA, KS 66801
Phone
620-342-0491
Fax
620-342-9589
President
CHRISTINE PEDERSEN
CEO
KELLY BROWN
Full-Time Employees
8
Part-Time Employees
2
Branch Locations
1
ATM Locations
1
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.03%
Return on Assets (ROA)
0.7187%
Return on Equity (ROE)
4.6953%
Non-Performing Loans Ratio (NPL)
0.56%
Total Assets
42,113,971
Total Amount of Shares and Deposits
35,385,924
Total Shares and Deposits < 1 Year
31,947,979
Total Shares and Deposits 1 3 Years
3,437,947
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,115,654
Total Uninsured Shares and Deposits > $250K (F+J)
1,115,654
Total Insured Shares and Deposits > $250K (item 17 less item K)
34,270,270
Total Interest Expense (Sum of items 6 8)
175,201
Share Certificates
314
Number of Accounts for Share Drafts
1,427
IRA KEOGH Accounts
135
Number of Accounts for Regular Shares
3,541
All other shares
387
Money Market Shares
77
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,993,914
Total Liabilities
35,667,890
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Credit Union of EmporiaDoes Credit Union of Emporia offer CDs?Yes. Credit Union of Emporia current CD rates include its 36 Month CD at 4.31% APY, its 24 Month CD at 4.06% APY and its 12 Month CD at 3.80% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Credit Union of Emporia NCUA insured?Yes. Credit Union of Emporia is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Credit Union of Emporia?The highest Credit Union of Emporia CD rate is its 36 Month CD at 4.31% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Credit Union of Emporia offer?Credit Union of Emporia CD rates are 3.47% APY for a 6 month CD, 3.80% APY for a 12 month CD, 3.65% APY for an 18 month CD, 4.06% APY for a 2 year CD and 4.31% APY for a 3 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Credit Union of Emporia for its full lineup. What is the lowest personal loan rate at Credit Union of Emporia?The lowest Credit Union of Emporia personal loan rate is its Miscellaneous (ATVs) - Personal Property (without perfected lien) Loan at 8.99% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest credit card APR at Credit Union of Emporia?The lowest Credit Union of Emporia credit card APR is its VISA Credit Card at 11.99% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does Credit Union of Emporia operate?Credit Union of Emporia currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Credit Union of Emporia?Yes, to access services at Credit Union of Emporia, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Credit Union of Emporia does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Credit Union of Emporia provides members with tools to manage their accounts and build a solid financial history. Does Credit Union of Emporia offer online and mobile banking?Most modern institutions like Credit Union of Emporia provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cuofe.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Credit Union of Emporia rates compare?Credit Union of Emporia's CD rates are 34% higher than the MonitorBankRates national average, and it has an A+ health rating. Credit Union of Emporia's top rates are its 36 Month CD at 4.31% APY, its Miscellaneous (ATVs) - Personal Property (without perfected lien) Loan at 8.99% APR and its VISA Credit Card at 11.99% APR, verified by MonitorBankRates on October 29, 2026. Current Credit Union of Emporia Rates
Retrieved from our database of financial products. Rates subject to change.
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