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Emporia State Federal Credit Union

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Emporia State Federal Credit Union Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Emporia State Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 29, 2026

Emporia State Federal Credit Union rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 2.89%, 6-month share certificate rates at 2.75% and 3-month share certificate rates at 2.65%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not Emporia State Federal Credit Union, and you can see how they compare in the Emporia State Federal Credit Union rate tables below. MonitorBankRates evaluates the financial stability of Emporia State Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.76%. Database rates last updated and verified on 08/29/2026.

Emporia State Federal 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 Emporia State Federal Credit Union? Share your experience about Emporia State Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Emporia State Federal Credit Union.

Verified Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.76%

Excellent Lower than avg

Emporia State Federal Credit Union
ESFCU Main Branch

310 W 12th Ave
Emporia, KS 66801

https://www.esfcu.com

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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Emporia State Federal 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 Emporia State Federal 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 Emporia State Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Emporia State Federal Credit Union

Website https://www.esfcu.com

Address 310 W 12th Ave, Emporia, KS 66801

Phone 620-342-2336

Fax 620-343-7273

President Aron Dody

CEO Angela Miller

Full-Time Employees 27

Part-Time Employees 3

Branch Locations 2

ATM Locations 2

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.76%

Return on Assets (ROA)

0.7809%

Return on Equity (ROE)

7.3710%

Non-Performing Loans Ratio (NPL)

0.78%

Total Assets

137,109,096

Total Amount of Shares and Deposits

122,086,740

Total Shares and Deposits < 1 Year

117,864,527

Total Shares and Deposits 1 3 Years

2,123,310

Total Shares and Deposits > 3 Years

2,098,903

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

1,662,886

Total Uninsured Shares and Deposits > $250K (F+J)

1,662,886

Total Insured Shares and Deposits > $250K (item 17 less item K)

120,423,854

Total Interest Expense (Sum of items 6 8)

1,508,429

Share Certificates

1,215

Number of Accounts for Share Drafts

5,604

IRA KEOGH Accounts

115

Number of Accounts for Regular Shares

9,055

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)

8,512,817

Total Liabilities

122,581,187

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Emporia State Federal Credit Union earned the Verified Strong badge

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Frequently Asked Questions About Emporia State Federal Credit Union

How many branches does Emporia State Federal Credit Union operate?

Emporia State Federal 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 Emporia State Federal Credit Union?

Yes, to access services at Emporia State Federal 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, Emporia State Federal 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, Emporia State Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Emporia State Federal Credit Union offer online and mobile banking?

Most modern institutions like Emporia State Federal 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.esfcu.com.