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E M O T

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E M O T Rates & Review October 2026

Q: How many branches does E M O T operate?

E M O T currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join E M O T?

Yes, to access services at E M O T, 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.

Q: Is there a first-time homebuyer program?

Currently, E M O T 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, E M O T 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: October 13, 2026

E M O T 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 3.01%, 6-month share certificate rates at 2.86% and 3-month share certificate rates at 2.72%. Savings rates are at 0.89% and money market rates are at 1.20%. Mortgage rates on 30-year fixed loans are around 7.37%. These rates come from our rate database, not E M O T, and you can see how they compare in the E M O T rate tables below. MonitorBankRates evaluates the financial stability of E M O T with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.28%. Database rates last updated and verified on 10/13/2026.

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 money market rates and 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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.28%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

E M O T
EMOT Federal Credit Union

471 Cypress St
Abilene, TX 79601-5101

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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.

Current Rate Availability

We're not currently displaying rates for E M O T, but our database is updated constantly, so check back soon for the latest offers.

Are you with E M O T? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates.

Financial Health History

E M O T’s Texas Ratio rose from 0.02% in Q3 2023 to 1.28% in Q2 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

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$9M	1.28%	5.0	A+
March 31, 2026	$9M	1.44%	5.0	A+
December 31, 2025	$9M	1.24%	5.0	A+
September 30, 2025	$9M	1.47%	5.0	A+
June 30, 2025	$9M	0.97%	5.0	A+
March 31, 2025	$9M	0.76%	5.0	A+
December 31, 2024	$9M	0.49%	5.0	A+
September 30, 2024	$9M	0.22%	5.0	A+
June 30, 2024	$9M	0.42%	5.0	A+
March 31, 2024	$10M	0.00%	5.0	A+
December 31, 2023	$9M	0.05%	5.0	A+
September 30, 2023	$10M	0.02%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for E M O T 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 E M O T 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 E M O T's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name E M O T

Website N/A

Address 471 Cypress St, Abilene, TX 79601-5101

Phone 325-673-3728

Fax 325-673-3729

President Bobby Marshall

CEO Jerry McIver

Full-Time Employees 2

Part-Time Employees 0

Branch Locations 2

ATM Locations 0

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.28%

Return on Assets (ROA)

0.5245%

Return on Equity (ROE)

1.3221%

Non-Performing Loans Ratio (NPL)

1.72%

Total Assets

9,246,514

Total Amount of Shares and Deposits

5,526,778

Total Shares and Deposits < 1 Year

5,526,778

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

5,526,778

Total Interest Expense (Sum of items 6 8)

74,714

Number of Accounts for Regular Shares

471

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)

396,953

Total Liabilities

5,578,404

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

E M O T earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/e-m-o-t-rates-review-9457">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About E M O T

How many branches does E M O T operate?

E M O T 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 E M O T?

Yes, to access services at E M O T, 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, E M O T 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, E M O T provides members with tools to manage their accounts and build a solid financial history.

Does E M O T offer online and mobile banking?

Most modern institutions like E M O T provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online.