|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Emergency Responders Credit Union Rates & Review April 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: March 26, 2026
Emergency Responders Credit Union's 18 month CDs of Deposit rates are at 4.00%, 12 Month JUMBO CDs of Deposit rates are at 3.75%, 24 Month JUMBO CDs of Deposit rates are at 3.75%, 24 month CDs of Deposit rates are at 3.50%, 36 Month JUMBO CDs of Deposit rates are at 3.50%. Emergency Responders Credit Union's savings rates are at 0.25%. Emergency Responders Credit Union's money market rates are at 1.00%. Emergency Responders Credit Union's Personal Loan Rates are at 9.00%. MonitorBankRates evaluates the financial stability of Emergency Responders Credit Union with a 4.8 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 17.88%. Rates were last updated on 03/26/2026. Emergency Responders 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 Emergency Responders Credit Union? Share your experience about Emergency Responders Credit Union by leaving a review below, or read customer reviews before you decide to use Emergency Responders Credit Union. Emergency Responders Credit Union
Emergency Responders Credit Union 1777 Link Rd
https://www.emrspcu.com Winston Salem, NC 27103 4625 
Emergency Responders Credit Union CD Rates
Emergency Responders Credit Union Savings Rates
Emergency Responders Credit Union Money Market Rates
Emergency Responders Credit Union Checking Rates
Emergency Responders Credit Union Home Equity & HELOC
Emergency Responders Credit Union Credit Card Rates
Emergency Responders Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Emergency Responders 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 Emergency Responders 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 Emergency Responders Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Emergency Responders Credit Union
Website
https://www.emrspcu.com
Address
1777 Link Rd,
Winston Salem, NC 27103 4625
Phone
336-723-0619
Fax
336-725-0955
President
James Gauldin
CEO
Kalyn Stowers
Full-Time Employees
6
Part-Time Employees
0
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
4.8 / 5.0 ★
Overall Health & Safety Grade
B+ (89/100)
Texas Ratio
17.88%
Return on Assets (ROA)
-0.7309%
Return on Equity (ROE)
-7.1021%
Non-Performing Loans Ratio (NPL)
2.18%
Total Assets
27,834,052
Total Amount of Shares and Deposits
24,857,575
Total Shares and Deposits < 1 Year
24,856,948
Total Shares and Deposits 1 3 Years
628
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,920,478
Total Uninsured Shares and Deposits > $250K (F+J)
2,920,478
Total Insured Shares and Deposits > $250K (item 17 less item K)
21,937,097
Total Interest Expense (Sum of items 6 8)
258,359
Share Certificates
145
Number of Accounts for Share Drafts
1,142
IRA KEOGH Accounts
72
Number of Accounts for Regular Shares
3,774
Money Market Shares
213
Net Income (unless the amount is already included in Undivided Earnings)
-203,436
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
3,342,818
Total Liabilities
24,969,623
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Emergency Responders Credit UnionIs Emergency Responders Credit Union a safe place to deposit money?Yes, Emergency Responders Credit Union is considered a safe financial institution. With a Texas Ratio of 17.883948249372%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Emergency Responders Credit Union operate?Emergency Responders 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 Emergency Responders Credit Union?Yes, to access services at Emergency Responders 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, Emergency Responders 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, Emergency Responders Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Emergency Responders Credit Union offer online and mobile banking?Most modern institutions like Emergency Responders 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://www.emrspcu.com. Current Emergency Responders Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
M-O Federal Credit Union
Knoxville Firefighters Federal Credit Union
First Community Credit Union Jamestown, ND
SLO Credit Union
Fresno Grangers Federal Credit Union
Nutmeg State Financial Credit Union
MUSKEGON ST JOSEPH
Cadets Federal Credit Union
LA Financial Federal Credit Union
Consumers Credit Union
LM Federal Credit Union
Hi-Land Credit Union
Metro Realtors Federal Credit Union
eCO Credit Union
New Brunswick Postal Federal Credit Union
ILWU Federal Credit Union
Navy Federal Credit Union
Central Jersey Federal Credit Union
My Credit Union
Worcester Police Department Federal Credit Union
Waterbury Connecticut Teachers Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
