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 Emporia State Federal 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.
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 28, 2026
Emporia State Federal Credit Union's 36 month CD rates are at 4.25%, 24 month CD rates are at 4.00%, 48 month CD rates are at 4.00%, 6 month CD rates are at 3.79%, 12 month CD rates are at 3.75%. Emporia State Federal Credit Union's Personal Loan Rates are as low as 13.00%. Emporia State Federal Credit Union's CD rates are 32% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 2.84%. Rates last updated and verified on 10/28/2026. 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. Emporia State Federal Credit Union
ESFCU - Main Branch 310 W 12th Ave
https://www.esfcu.com 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. Emporia State Federal Credit Union CD Rates
Emporia State Federal Credit Union Home Equity & HELOC
Emporia State Federal Credit Union Auto Loan Rates
Emporia State Federal Credit Union RV, Boat and Powersport Loan Rates
Emporia State Federal Credit Union Personal Loan Rates
Financial Health HistoryEmporia State Federal Credit Union’s Texas Ratio fell from 3.91% in Q3 2023 to 2.84% in Q2 2026, so its financial health has improved and is now 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 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
26
Part-Time Employees
5
Branch Locations
2
ATM Locations
2
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
2.84%
Return on Assets (ROA)
0.6544%
Return on Equity (ROE)
6.0924%
Non-Performing Loans Ratio (NPL)
0.49%
Total Assets
146,531,481
Total Amount of Shares and Deposits
130,294,093
Total Shares and Deposits < 1 Year
126,384,290
Total Shares and Deposits 1 3 Years
3,599,155
Total Shares and Deposits > 3 Years
310,648
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,666,832
Total Uninsured Shares and Deposits > $250K (F+J)
1,666,832
Total Insured Shares and Deposits > $250K (item 17 less item K)
128,627,261
Total Interest Expense (Sum of items 6 8)
944,073
Share Certificates
1,319
Number of Accounts for Share Drafts
5,560
IRA KEOGH Accounts
109
Number of Accounts for Regular Shares
10,350
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)
15,859,469
Total Liabilities
130,809,599
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Add Your Rating and Review for Emporia State Federal Credit Union
Frequently Asked Questions About Emporia State Federal Credit UnionDoes Emporia State Federal Credit Union offer CDs?Yes. Emporia State Federal Credit Union current CD rates include its 36 month CD at 4.25% APY, its 24 month CD at 4.00% APY and its 48 month CD at 4.00% APY, verified by MonitorBankRates as of October 28, 2026. Are CDs from Emporia State Federal Credit Union NCUA insured?Yes. Emporia State Federal 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 Emporia State Federal Credit Union?The highest Emporia State Federal Credit Union CD rate is its 36 month CD at 4.25% APY, verified by MonitorBankRates as of October 28, 2026. What CD terms does Emporia State Federal Credit Union offer?Emporia State Federal Credit Union CD rates are 3.79% APY for a 6 month CD, 3.75% APY for a 12 month CD, 4.00% APY for an 18 month CD, 4.00% APY for a 2 year CD, 4.25% APY for a 3 year CD, 4.00% APY for a 4 year CD and 2.50% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Emporia State Federal Credit Union for its full lineup. What is the lowest auto loan rate at Emporia State Federal Credit Union?The lowest Emporia State Federal Credit Union auto loan rate is its Vehicle Loan - 2023 - 2027 Models at 4.99% APR, verified by MonitorBankRates as of October 28, 2026. What is the lowest personal loan rate at Emporia State Federal Credit Union?The lowest Emporia State Federal Credit Union personal loan rate is its Unsecured (Signature) Loan at 13.00% APR, verified by MonitorBankRates as of October 28, 2026. 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. 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 Emporia State Federal Credit Union rates compare?Emporia State Federal Credit Union's CD rates are 32% higher than the MonitorBankRates national average, and it has an A+ health rating. Emporia State Federal Credit Union's top rates are its 36 month CD at 4.25% APY and its Unsecured (Signature) Loan at 13.00% APR, verified by MonitorBankRates on October 28, 2026. Current Emporia State Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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