E M O T CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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E M O T12-month CD rates can be found at 1.50%, 6-month CD rates at 0.05% and 3-month CD rates at 0.15%. Savings rates are at 0.04% and money market rates are at 0.10%. Mortgage rates on 30-year fixed loans are around 6.52%. Credit Card rates are at 12.49%. Personal Loan rates are at 17.90%. All these rates, and more, can be found in our database of rates which you can compare to E M O T rates.

Compare E M O T CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of E M O T savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates.

E M O T money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best CD rates or other rates available. Have you opened an account or have any experiences at E M O T? Share your experience about E M O T by leaving a review below, or read customer reviews before you decide to use E M O T.

Overall, E M O T is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
N/A
18-Month CD
N/A
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
N/A
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
North Side Bank and Trust Company
EMOT Federal Credit Union
471 Cypress St
Abilene, TX 79601 5101
Member NCUA
MonitorBankRates' Rating
5/5
★★★★★

Compare E M O T Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Bank of Fayette County
Bank of Fayette County
9-Month CD
4.27%
$1,000
Shoreham Bank
Shoreham Bank
Soaring Savings
4.00%
$25,000
University Federal Credit Union
University Federal Credit Union
48-Month CD
4.00%
$1,000
Riverland Bank
Riverland Bank
12-Month CD
4.00%
$1,000
Regional Missouri Bank
Regional Missouri Bank
24-Month CD
3.85%
$1,000
Teachers Federal Credit Union
Teachers Federal Credit Union
12-Month CD
3.75%
$500
Marion County State Bank
Marion County State Bank
12-Month CD
3.75%
$1,000
North Valley Bank Thornton, CO
North Valley Bank Thornton, CO
12-Month CD
3.75%
$1,000
UniBank
UniBank
36-Month CD
3.40%
$1,000
LendingClub
LendingClub
60-Month CD
3.40%
$2,500
Thayer County Bank
Thayer County Bank
12-Month CD
3.36%
$2,500
Bank of Luxemburg
Bank of Luxemburg
48-Month CD
3.10%
$1,000
Peoples Bank Coldwater, KS
Peoples Bank Coldwater, KS
24-Month CD
3.02%
$500
Farmers Bank Buhl, ID
Farmers Bank Buhl, ID
30-Month CD
3.00%
$500
Grand Valley Bank
Grand Valley Bank
60-Month CD
3.00%
$500
Ultima Bank Minnesota
Ultima Bank Minnesota
48-Month CD
3.00%
$1,000
Security Federal Bank
Security Federal Bank
48-Month CD
3.00%
$500
Vast Bank
Vast Bank
36-Month CD
2.75%
$1,000
Elkhorn Valley Bank & Trust
Elkhorn Valley Bank & Trust
24-Month CD
2.70%
$0
Bank of Vici
Bank of Vici
60-Month CD
2.63%
$1,000
Franklin SB Franklin, NH
Franklin SB Franklin, NH
36-Month CD
2.50%
$1,000
TSB Bank
TSB Bank
48-Month CD
2.50%
$500
Gateway Bank Mendota Heights, MN
Gateway Bank Mendota Heights, MN
24-Month CD
2.45%
$1,000
First State Bank and Trust
First State Bank and Trust
30-Month CD
2.42%
$1,000
Security Bank Minnesota
Security Bank Minnesota
36-Month CD
2.40%
$1,000
Security Bank Minnesota
Security Bank Minnesota
12-Month CD
2.15%
$1,000
Bank of Elgin
Bank of Elgin
36-Month CD
2.12%
$500
The Blue Grass Valley Bank
The Blue Grass Valley Bank
60-Month CD
2.10%
$500
Marthas Vineyard Bank
Marthas Vineyard Bank
36-Month CD
2.00%
$1,000
Pittsfield Co-operative Bank
Pittsfield Co-operative Bank
36-Month CD
2.00%
$500
Exchange State Bank Ames, IA
Exchange State Bank Ames, IA
6-Month CD
2.00%
$1,000
Genesee Regional Bank
Genesee Regional Bank
24-Month CD
2.00%
$500
South Central State Bank
South Central State Bank
12-Month CD
1.56%
$1,000
American Bank & Trust Co, Inc.
American Bank & Trust Co, Inc.
Presidential Checking
1.50%
$5,000
BayFirst National Bank
BayFirst National Bank
6-Month CD
1.01%
$1,000
Mid-Missouri Bank
Mid-Missouri Bank
24-Month CD
0.85%
$1,000
American Eagle Financial Credit Union
American Eagle Financial Credit Union
60-Month CD
0.75%
$500
Peoples First Savings Bank
Peoples First Savings Bank
24-Month CD
0.50%
$500
Nebraska State Bank and Trust Company
Nebraska State Bank and Trust Company
Regular Savings
0.45%
$200
Academic Employees Credit Union
Academic Employees Credit Union
36-Month CD
0.40%
$1,000
First FSB of Angola
First FSB of Angola
12-Month CD
0.35%
$500
Farmers and Merchants Bank Berlin, WI
Farmers and Merchants Bank Berlin, WI
Money Market
0.25%
$800
Hometown Bank Oxford, MA
Hometown Bank Oxford, MA
12-Month CD
0.20%
$1,000
Methuen Co-operative Bank
Methuen Co-operative Bank
Savings
0.10%
$25
Centreville Bank
Centreville Bank
Premium Checking
0.05%
$100
PCSB Bank
PCSB Bank
True Local Checking
0.05%
$1
Sturdy Savings Bank
Sturdy Savings Bank
24-Month CD
0.04%
$500
Pennsville National Bank
Pennsville National Bank
Money Market
0.02%
$5,000
First Citizens Bank
First Citizens Bank
18-Month CD
0.02%
$500
First Command Bank
First Command Bank
Checking
0.01%
$1,000
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare E M O T Mortgage Rates with Lenders Rates for Fixed and Adjustable Mortgages

Lender
Product
Rate
APR
Points
Pioneer Federal Credit Union
Pioneer Federal Credit Union
15-Year Fixed
5.250%
5.491%
0.000
1st Northern California Credit Union
1st Northern California Credit Union
15-Year Fixed (Jumbo)
5.375%
5.525%
0.750
Peoples Trust Co. of St. Albans
Peoples Trust Co. of St. Albans
15-Year Fixed
5.625%
5.663%
0.000
Everett Co-operative Bank
Everett Co-operative Bank
15-Year Fixed
5.625%
5.700%
0.000
Mountain America Federal Credit Union
Mountain America Federal Credit Union
15-Year Fixed
5.625%
5.838%
0.000
Altoona First Savings Bank
Altoona First Savings Bank
20-Year Fixed
5.850%
5.891%
0.000
Kirtland Federal Credit Union
Kirtland Federal Credit Union
15 Year Fixed
5.625%
5.925%
0.000
StonehamBank
StonehamBank
15-Year Fixed
5.875%
5.985%
0.000
Greater Iowa Credit Union
Greater Iowa Credit Union
20 Year Fixed
5.990%
6.057%
0.000
Credit Human Federal Credit Union
Credit Human Federal Credit Union
15-Year Fixed
5.925%
6.060%
0.000
Investment Savings Bank
Investment Savings Bank
20-Year Fixed
6.000%
6.083%
0.000
Empower Federal Credit Union
Empower Federal Credit Union
15-Year Fixed
5.875%
6.109%
0.000
Missouri Credit Union
Missouri Credit Union
10 Year Fixed
6.000%
6.118%
0.000
Sikorsky Credit Union
Sikorsky Credit Union
10/1 ARM
5.750%
6.127%
0.000
First Citizens Federal Credit Union
First Citizens Federal Credit Union
10 Year Fixed
6.000%
6.160%
0.000
First Federal Savings Bank Evansville, IN
First Federal Savings Bank Evansville, IN
20-Year Fixed
6.125%
6.200%
0.000
Bank of America
Bank of America
15 Year Fixed
5.750%
6.202%
0.787
Missouri Credit Union
Missouri Credit Union
15 Year Fixed
6.125%
6.209%
0.000
Radius Federal Credit Union
Radius Federal Credit Union
15-Year Fixed
6.125%
6.229%
0.000
Better Banks
Better Banks
15-Year Fixed
6.125%
6.252%
0.000
First Ohio Community Federal Credit Union
First Ohio Community Federal Credit Union
15 Year Fixed
6.000%
6.264%
0.125
Abound Federal Credit Union
Abound Federal Credit Union
30-Year Fixed Jumbo
6.300%
6.391%
0.000
First Northern Credit Union
First Northern Credit Union
15 Year Fixed
6.375%
6.441%
0.000
FNB of Scotia
FNB of Scotia
30-Year Fixed
6.375%
6.476%
0.000
Collinsville Bank
Collinsville Bank
30-Year Fixed
6.375%
6.487%
0.000
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The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Compare E M O T Credit Cards with Other Competitive Bank and Credit Union Credit Cards

Institution
Product
APR
Notes
Academic Federal Credit Union
Academic Federal Credit Union
Academic VISA® Classic
15.400%
ACFCU
ACFCU
Secure Card Visa
29.240%
A card that\'s perfect for anyone who wants to improve or establish their credit.
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
Visa Platinum Clarity
15.990%
Marcus Bank
Marcus Bank
GM Extended Family™ Mastercard®
20.240% - 29.990%
0% Intro purchase APR for first 9 months
Security Service Federal Credit Union
Security Service Federal Credit Union
Security Service Power Rewards MasterCard
18.000%
1st Northern California Credit Union
1st Northern California Credit Union
Visa Premier Plus
8.900%
Suncoast Credit Union
Suncoast Credit Union
Rewards Student Classic
16.500%
Credit Limit - $500
America First Federal Credit Union
America First Federal Credit Union
PLATINUM REWARDS VISA
14.740%
America First Federal Credit Union
America First Federal Credit Union
CLASSIC REWARDS VISA
18.000%
Security Service Federal Credit Union
Security Service Federal Credit Union
Security Service Power MasterCard
12.740% - 18.000%
A & S Federal Credit Union
A & S Federal Credit Union
Visa Classic Card
12.900%
No annual fee
Abbott Laboratories Credit Union
Abbott Laboratories Credit Union
Student Select Rewards Visa
17.200%
Introductory rate of 0% APR for the first twelve months on balance transfers and cash purchases.
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
Visa Platinum Preferred Student
17.990%
Teachers Federal Credit Union
Teachers Federal Credit Union
Visa Secured
18.000%
Suncoast Credit Union
Suncoast Credit Union
Rewards Classic Starter VISA
16.500%
Credit Limit - $300 - $500
Teachers Federal Credit Union
Teachers Federal Credit Union
Visa Student
14.000%
Academic Federal Credit Union
Academic Federal Credit Union
Academic VISA® Platinum
10.900%
Y-12 Federal Credit Union
Y-12 Federal Credit Union
VISA Traditional
14.240% - 18.000%
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
Visa Cash Back
16.490% - 17.990%
ABCO Federal Credit Union
ABCO Federal Credit Union
VISA® Credit Cards
7.990%
Suncoast Credit Union
Suncoast Credit Union
Rewards Platinum VISA
12.500%
Credit Limit - $500 - $50,000
Abbott Laboratories Credit Union
Abbott Laboratories Credit Union
Student Select Visa
17.200%
Introductory rate of 0% APR for the first twelve months on balance transfers and cash purchases.
ABNB Federal Credit Union
ABNB Federal Credit Union
ABNB VISA Signature
14.740% - 17.740%
No annual fees or cash advance fees. Rates may vary depending on credit worthiness.
Achieve Financial Credit Union
Achieve Financial Credit Union
Visa Balance Transfer
8.990%
The balance transfer rate is good only on balances transferred from non-Achieve credit cards.
BECU Boeing Employees Credit Union
BECU Boeing Employees Credit Union
BECU Visa
13.240% - 25.240%
0.00% Introductory APR for twelve (12) months from date of transfer when transfers are completed within 90 days of account opening.
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed.

Compare E M O T Personal Loans with Other Competitive Bank and Credit Union Personal Loans

Institution
Product
APR
Loan Amt
Loan Term Months
Act 1st Federal Credit Union
Act 1st Federal Credit Union
Signature Loan
10.000%
$0
12 - 12
BECU Boeing Employees Credit Union
BECU Boeing Employees Credit Union
Personal Loan
8.990% - 18.000%
$0 - $30,000
72
1st Liberty Federal Credit Union
1st Liberty Federal Credit Union
Signature Loans
11.240%
$0 - $10,000
60 - 60
Access Federal Credit Union
Access Federal Credit Union
Consolidation Loans
13.060%
$0
1 - 36
AAEC Credit Union
AAEC Credit Union
Personal Signature Loans
14.000%
$0
60
360 Federal Credit Union
360 Federal Credit Union
Signature LOC Revolving Credit Line
12.500%
$0 - $10,000
Hughes Federal Credit Union
Hughes Federal Credit Union
Summer/Holiday Loans
9.500%
$0
ABNB Federal Credit Union
ABNB Federal Credit Union
Personal Loans
11.740% - 17.990%
$0
1st Valley Credit Union
1st Valley Credit Union
Signature Loan
10.500%
$0
1st University Credit Union
1st University Credit Union
Unsecured Signature Loan
10.250%
$0
37 - 60
Security Service Federal Credit Union
Security Service Federal Credit Union
Debt Consolidation Loan
9.990% - 16.240%
$0
61 - 66
Advantage Plus Federal Credit Union
Advantage Plus Federal Credit Union
Signature Loan
12.990%
$0
1 - 24
Teachers Federal Credit Union
Teachers Federal Credit Union
Unsecured Personal Loan
10.990%
$0 - $50,000
12 - 60
Academic Employees Credit Union
Academic Employees Credit Union
Personal Loan
10.500%
$0 - $5,000
24 - 36
AT&T Employees Federal Credit Union
AT&T Employees Federal Credit Union
EZ Loan
18.000%
$0 - $500
5
Vystar Credit Union
Vystar Credit Union
Personal Loans
11.000%
$0
37 - 60
Abilene Teachers Federal Credit Union
Abilene Teachers Federal Credit Union
Personal Signature Loan
10.250% - 17.950%
$0
1 - 36
Achieve Credit Union
Achieve Credit Union
Personal Loan
8.950%
$0
Academic Employees Credit Union
Academic Employees Credit Union
Preferred Personal Loan
10.000%
$0
60
1st United Credit Union
1st United Credit Union
Personal Line of Credit Variable
13.150%
$0
Access Federal Credit Union
Access Federal Credit Union
Unsecured Loans
9.990%
$0
1 - 60
Abbey Credit Union
Abbey Credit Union
Signature (Unsecured) Loan
11.040%
$0
1 - 24
ABCO Federal Credit Union
ABCO Federal Credit Union
Personal Loans
10.490%
$0
AAC Credit Union
AAC Credit Union
Signature Loans
12.990%
$0
48
The Golden 1 Credit Union
The Golden 1 Credit Union
Personal Line of Credit
13.040%
$0
Show More

The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed.

Our apologies, we do not have E M O T rate data right now, check back for updates, we are adding rates all the time.

E M O T Information

Credit Union Name: E M O T
Website:
Full Time Employees: 2
Part Time Employees: 0
President: Bobby Marshall
CEO: Jerry McIver
Branch Locations: 1
ATM Locations: 0
Corporate Office Address:
471 Cypress St
Abilene, TX 79601 5101
Phone Number: 325-673-3728
Fax Number: 325-673-3729

E M O T Financials

Total Assets:
9,513,730
Total Amount of Shares and Deposits:
6,045,827
Total Shares and Deposits < 1 Year:
6,045,827
Total Insured Shares and Deposits > $250K (item 17 less item K):
6,045,827
Total Interest Expense (Sum of items 6 8):
34,245
Number of Accounts for Regular Shares:
505
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
613,473
Total Liabilities:
6,089,257
Show More

E M O T Questions and Answers

No Cost Share Drafts:
No
Share Certificates with Low Minimum Balance Requirements:
No
Is Financial Counseling Offered?:
No
Financial Education offered for Members?:
No
Are financial literacy Workshops offered?:
No
Is there a first time homebuyer program?:
No
Credit management and repair offered?:
No
Online Financial Literacy?:
No
No Cost Bill Payer:
No
Mortgage Processing:
No
Approved Mortgage Seller?:
No
payment:
No
Are low cost wire transfers available?:
Yes
Member Application:
No
Are New Loans Available:
No
New Share Account:
No
Are online loan payments available:
No
Online Bill Payment Allowed?:
No
Can I download my account history?:
No
Electronic Signature Authentication Certification:
No
Can I get my bank statements online?:
No
External Account Transfers Allowed:
No
Remote Deposit Allowed:
No
Are Mobile Payments Avilable?:
No
Show More
Source: NCUA Last Updated 03/31/2024

Explore Other Rate Deals

TAB Bank increased CD rates on all of the certificates of deposit the bank is offering. Some of the increases were quite substantial. The biggest rate increases were on regular 1 year and 1 year jumbo certificates of deposit. Regular 1 year rates were increased 30 basis points and 1 year jumbo rates were increased 55 basis points. In fact, 1 year jumbo rates were nearly doubled. You can see all of the rate increases below. For a list of CD rates from many different banks you can search our database at Monitor Bank Rates.

BankProductRate (new / old)Yield (new / old)
TAB Bank3 month CD0.35 / 0.250.35 / 0.25
TAB Bank6 month CD0.60/ 0.400.60/ 0.40
TAB Bank1 yr CD0.95 / 0.650.95 / 0.65
TAB Bank2 yr CD1.20 / 1.001.20 / 1.01
TAB Bank3 yr CD1.45 / 1.201.45 / 1.21
TAB Bank5 yr CD1.90 / 1.751.90 / 1.77
TAB Bank3 month jumbo CD0.35 / 0.250.35 / 0.25
TAB Bank6 month jumbo CD0.60 / 0.400.60 / 0.40
TAB Bank1 yr jumbo CD1.20 / 0.651.20/ 0.65
TAB Bank5 yr jumbo CD1.90/ 1.751.90/ 1.77
TAB Bank3 month $25K CD0.35 / 0.250.35 / 0.25
TAB Bank6 month $25K CD0.60 / 0.400.6 0/ 0.40
TAB Bank3 month $50K CD0.35 / 0.250.35 / 0.25
TAB Bank6 month $50K CD0.6 / 0.400.6 / 0.40
TAB Bank3 month IRA CD0.35 / 0.250.35 / 0.25
TAB Bank6 month IRA CD0.60 / 0.400.60 / 0.40
TAB Bank1 yr IRA CD0.95/ 0.650.95 / 0.65
TAB Bank2 yr IRA CD1.20 / 1.001.20 / 1.01
TAB Bank3 yr IRA CD1.45 / 1.201.45 / 1.21
TAB Bank5 yr IRA CD1.90 / 1.751.90 / 1.77
TAB Bank3 month $25K IRA CD0.35 / 0.250.35 / 0.25
TAB Bank6 month $25K IRA CD0.60 / 0.250.60 / 0.25
TAB Bank3 month $50K IRA CD0.35 / 0.200.35 / 0.20
TAB Bank6 month $50K IRA CD0.60 / 0.400.60 / 0.40
TAB Bank3 month jumbo IRA CD0.35/ 0.250.35 / 0.25
TAB Bank6 month jumbo IRA CD0.60/ 0.400.60 / 0.40
TAB Bank2 yr jumbo IRA CD1.20/ 1.001.20 / 1.01
TAB Bank5 yr jumbo IRA CD1.90/ 1.751.90 / 1.77
TAB Bank2 yr jumbo CD1.20 / 1.001.20/ 1.01
TAB Bank1 yr jumbo IRA CD0.95 / 0.650.95 / 0.65
TAB Bank9 month jumbo CD0.95 / 0.500.95 / 0.50
TAB Bank3 yr jumbo CD1.45 / 1.201.45 / 1.20
TAB Bank3 yr jumbo IRA CD1.45 / 1.201.45 / 1.21
TAB Bank4 yr CD1.65 / 1.501.65 / 1.51
TAB Bank4 yr IRA CD1.65 / 1.501.65 / 1.51
TAB Bank4 yr jumbo CD1.65 / 1.51.65 / 1.51
TAB Bank4 yr jumbo IRA CD1.65 / 1.501.65 / 1.51
Teen and Parent Guide to Safe Teen Driving
Citizens Access savings rates are the best savings rates currently available. The current Citizens Access savings account rates is at 2.25 percent with a minimum deposit of $5,000. You can compare the current savings rate at Citizens Access with other savings rates below.

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E M O T Reviews

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