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iAdvertiser Disclosure
Advertiser Disclosure
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 Responders Emergency Services Credit Union Rates & Review September 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: September 22, 2026
Responders Emergency Services Credit Union's 12 Month BUMP rates are at 3.66%, 6 Month BUMP rates are at 3.61%, 18 Month BUMP rates are at 3.30%, 24 Month BUMP rates are at 3.00%, 36 Month BUMP rates are at 2.75%. Responders Emergency Services Credit Union's Personal Loan Rates are as low as 8.90%. Responders Emergency Services Credit Union's Credit Card Rates are at 8.90%. MonitorBankRates evaluates the financial stability of Responders Emergency Services Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 09/22/2026. Responders Emergency Services 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 Responders Emergency Services Credit Union? Share your experience about Responders Emergency Services Credit Union by leaving a review below, or read customer reviews before you decide to use Responders Emergency Services Credit Union. Responders Emergency Services Credit Union
Responders Emergency Services Credit Union 924 W Sinto Ave
https://www.myrescu.org Spokane, WA 99201-2531 
Responders Emergency Services Credit Union CD Rates
Responders Emergency Services Credit Union Auto Loan Rates
Responders Emergency Services Credit Union RV, Boat and Powersport Loan Rates
Responders Emergency Services Credit Union Credit Card Rates
Responders Emergency Services Credit Union Personal Loan Rates
Responders Emergency Services Credit Union Other Rates
Financial Health HistoryResponders Emergency Services Credit Union’s Texas Ratio stayed near 0.01% in Q2 2023 to 0.00% in Q1 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 Responders Emergency Services 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 Responders Emergency Services 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 Responders Emergency Services Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Responders Emergency Services Credit Union
Website
https://www.myrescu.org
Address
924 W Sinto Ave,
Spokane, WA 99201-2531
Phone
509-327-3244
Fax
509-327-2920
President
Earl Howerton
CEO
Joyce Lockard
Full-Time Employees
12
Part-Time Employees
0
Branch Locations
2
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.00%
Return on Assets (ROA)
0.0809%
Return on Equity (ROE)
0.4779%
Non-Performing Loans Ratio (NPL)
0.00%
Total Assets
56,986,356
Total Amount of Shares and Deposits
47,129,549
Total Shares and Deposits < 1 Year
46,715,110
Total Shares and Deposits 1 3 Years
322,103
Total Shares and Deposits > 3 Years
92,336
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,930,196
Total Uninsured Shares and Deposits > $250K (F+J)
2,930,196
Total Insured Shares and Deposits > $250K (item 17 less item K)
44,199,353
Total Interest Expense (Sum of items 6 8)
105,082
Share Certificates
216
Number of Accounts for Share Drafts
1,954
IRA KEOGH Accounts
98
Number of Accounts for Regular Shares
3,602
All other shares
258
Money Market Shares
114
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)
2,125,849
Total Liabilities
47,341,569
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Responders Emergency Services Credit Union yet. Feel free to create one below.
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Add Your Rating and Review for Responders Emergency Services Credit Union
Frequently Asked Questions About Responders Emergency Services Credit UnionHow many branches does Responders Emergency Services Credit Union operate?Responders Emergency Services 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 Responders Emergency Services Credit Union?Yes, to access services at Responders Emergency Services 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, Responders Emergency Services 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, Responders Emergency Services Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Responders Emergency Services Credit Union offer online and mobile banking?Most modern institutions like Responders Emergency Services 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.myrescu.org. Current Responders Emergency Services Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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