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 Emporia State Federal 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: April 11, 2026
Emporia State Federal Credit Union's 11 month Special CD rates are at 3.85%. Emporia State Federal Credit Union's savings rates are at 0.25%. Emporia State Federal Credit Union's Personal Loan Rates are at 4.50%. 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 4.86%. Rates were last updated on 04/11/2026. 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 
Emporia State Federal Credit Union CD Rates
Emporia State Federal Credit Union Savings Rates
Emporia State Federal Credit Union Home Equity & HELOC
Emporia State Federal Credit Union Auto Loan Rates
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
27
Part-Time Employees
3
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+ (98/100)
Texas Ratio
4.86%
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
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
8,512,817
Total Liabilities
122,581,187
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Emporia State Federal Credit UnionIs Emporia State Federal Credit Union a safe place to deposit money?Yes, Emporia State Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 4.8553747526268%, 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 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. Current Emporia State Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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