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 Electric Machinery Employees Credit Union 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.
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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
Electric Machinery Employees Credit Union's 1 year One Year CD rates are at 3.80%, 1 year One Year CD Special, for new money deposits rates are at 4.00%, 1 year One Year IRA CD Special, for new money deposits rates are at 4.00%, 1 year One Year IRA CD rates are at 3.80%. Electric Machinery Employees Credit Union's savings rates are at 0.10%. Electric Machinery Employees Credit Union's Personal Loan Rates are as low as 9.49%. Electric Machinery Employees Credit Union's Credit Card Rates are at 12.75%. Electric Machinery Employees Credit Union's CD rates are 26% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Electric Machinery Employees Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.08%. Rates last updated and verified on 10/29/2026. Electric Machinery Employees Credit Union 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 Electric Machinery Employees Credit Union? Share your experience about Electric Machinery Employees Credit Union by leaving a review below, or read customer reviews before you decide to use Electric Machinery Employees Credit Union. Electric Machinery Employees Credit Union
ELECTRIC MACHINERY EMPLOYEES CREDIT UNION 800 CENTRAL AVE NE
https://emcu.org MINNEAPOLIS, MN 55413-2403  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. Electric Machinery Employees Credit Union CD Rates
Electric Machinery Employees Credit Union Savings Rates
Electric Machinery Employees Credit Union Home Equity & HELOC
Electric Machinery Employees Credit Union Auto Loan Rates
Electric Machinery Employees Credit Union RV, Boat and Powersport Loan Rates
Electric Machinery Employees Credit Union Credit Card Rates
Electric Machinery Employees Credit Union Personal Loan Rates
Electric Machinery Employees Credit Union Other Rates
Financial Health HistoryElectric Machinery Employees Credit Union’s Texas Ratio fell from 2.93% in Q3 2023 to 2.08% 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 Electric Machinery Employees Credit Union 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 Electric Machinery Employees Credit Union 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 Electric Machinery Employees Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Electric Machinery Employees Credit Union
Website
https://emcu.org
Address
800 CENTRAL AVE NE,
MINNEAPOLIS, MN 55413-2403
Phone
612-378-8100
Fax
612-378-8101
President
Richard Gross
CEO
Greg Ericson
Full-Time Employees
2
Part-Time Employees
0
Branch Locations
1
ATM Locations
0
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
2.08%
Return on Assets (ROA)
-0.1901%
Return on Equity (ROE)
-0.7728%
Non-Performing Loans Ratio (NPL)
1.20%
Total Assets
8,434,350
Total Amount of Shares and Deposits
6,294,129
Total Shares and Deposits < 1 Year
6,294,129
Total Insured Shares and Deposits > $250K (item 17 less item K)
6,294,129
Total Interest Expense (Sum of items 6 8)
59,145
Share Certificates
41
IRA KEOGH Accounts
28
Number of Accounts for Regular Shares
744
Net Income (unless the amount is already included in Undivided Earnings)
-16,034
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)
484,279
Total Liabilities
6,359,653
Source: NCUA — Last Updated 06/30/2026
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Frequently Asked Questions About Electric Machinery Employees Credit UnionDoes Electric Machinery Employees Credit Union offer CDs?Yes. Electric Machinery Employees Credit Union current CD rates include its 1 year One Year CD Special, for new money deposits at 4.00% APY, its 1 year One Year IRA CD Special, for new money deposits at 4.00% APY and its 1 year One Year CD at 3.80% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Electric Machinery Employees Credit Union NCUA insured?Yes. Electric Machinery Employees Credit Union 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 Electric Machinery Employees Credit Union?The highest Electric Machinery Employees Credit Union CD rate is its 1 year One Year CD Special, for new money deposits at 4.00% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Electric Machinery Employees Credit Union offer?Electric Machinery Employees Credit Union CD rates are 3.80% APY for a 12 month 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 Electric Machinery Employees Credit Union for its full lineup. What is the highest savings rate at Electric Machinery Employees Credit Union?The highest Electric Machinery Employees Credit Union savings rate is its Regular Savings Account at 0.10% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest auto loan rate at Electric Machinery Employees Credit Union?The lowest Electric Machinery Employees Credit Union auto loan rate is its New Auto, Truck, and Motorcycle Loan at 4.99% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at Electric Machinery Employees Credit Union?The lowest Electric Machinery Employees Credit Union personal loan rate is its Unsecured (Signature) Loan at 9.49% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest credit card APR at Electric Machinery Employees Credit Union?The lowest Electric Machinery Employees Credit Union credit card APR is its VISA Credit Card at 12.75% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does Electric Machinery Employees Credit Union operate?Electric Machinery Employees Credit Union 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 Electric Machinery Employees Credit Union?Yes, to access services at Electric Machinery Employees Credit Union, 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, Electric Machinery Employees Credit Union 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, Electric Machinery Employees Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Electric Machinery Employees Credit Union offer online and mobile banking?Most modern institutions like Electric Machinery Employees Credit Union 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://emcu.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 Electric Machinery Employees Credit Union rates compare?Electric Machinery Employees Credit Union's CD rates are 26% higher than the MonitorBankRates national average, and it has an A+ health rating. Electric Machinery Employees Credit Union's top rates are its 1 year One Year CD Special, for new money deposits at 4.00% APY, its Regular Savings Account at 0.10% APY, its Unsecured (Signature) Loan at 9.49% APR and its VISA Credit Card at 12.75% APR, verified by MonitorBankRates on October 29, 2026. Current Electric Machinery Employees Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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