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 Electric Machinery Employees Credit Union Rates & Review October 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 9, 2026
Electric Machinery Employees Credit Union's top rates as of October 9, 2026 are 4.00% APY on its 1 year One Year CD Special, for new money deposits, 0.10% APY on savings, personal loans from 9.49% APR, and credit cards from 12.75% APR, according to rates verified by MonitorBankRates. Other Electric Machinery Employees Credit Union CD rates include 1 year One Year IRA CD Special, for new money deposits at 4.00%. 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 10/09/2026. 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
Customer Reviews
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Frequently Asked Questions About Electric Machinery Employees Credit UnionHow 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. Current Electric Machinery Employees Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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