What are the current interest rates at Employees Federal Credit Union?

Current rates for Employees Federal Credit Union include: 12-Month CD: 3.29%, 24-Month CD: 3.34%, 60-Month CD: 3.55%, Savings: 0.20%, MMA: 1.00%

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Employees Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Employees Federal Credit Union 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 12, 2026

Employees Federal Credit Union's top rates as of October 12, 2026 are 3.80% APY on its 36 Month CD Account, 0.20% APY on savings, 1.00% APY on money market accounts, 0.25% APY on checking, and personal loans from 9.24% APR, according to rates verified by MonitorBankRates. Other Employees Federal Credit Union CD rates include 48 Month CD Account at 3.80%, 60 Month CD Account at 3.80%, and 24 Month CD Account at 3.60%. MonitorBankRates evaluates the financial stability of Employees Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.70%. Rates last updated and verified on 10/12/2026.

Employees 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 Employees Federal Credit Union? Share your experience about Employees Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Employees Federal Credit Union.

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

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.70%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Employees Federal Credit Union
Employees Federal Credit Union

1120 W 17th St
Tulsa, OK 74107

https://www.employeesfed.com

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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.

Employees Federal Credit Union CD Rates

Product	Rate	APY	Term
36 Month Share Certificate Account	3.75%	3.80%	36 Month
Min Balance $50,000 Details Jumbo Rate ($50,000+); Dividends compounded and credited quarterly; Platinum Members add .25% / Member Rewards add .10% to certificates (cannot combine) Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
48 Month Share Certificate Account	3.75%	3.80%	48 Month
Min Balance $50,000 Details Jumbo Rate ($50,000+); Dividends compounded and credited quarterly; Platinum Members add .25% / Member Rewards add .10% to certificates (cannot combine) Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
60 Month Share Certificate Account	3.75%	3.80%	60 Month
Min Balance $50,000 Details Jumbo Rate ($50,000+); Dividends compounded and credited quarterly; Platinum Members add .25% / Member Rewards add .10% to certificates (cannot combine) Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
24 Month Share Certificate Account	3.55%	3.60%	24 Month
Min Balance $50,000 Details Jumbo Rate ($50,000+); Dividends compounded and credited quarterly; Platinum Members add .25% / Member Rewards add .10% to certificates (cannot combine) Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
12 Month Share Certificate Account	3.50%	3.55%	12 Month
Min Balance $50,000 Details Jumbo Rate ($50,000+); Dividends compounded and credited quarterly; Platinum Members add .25% / Member Rewards add .10% to certificates (cannot combine) Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
36 Month Share Certificate Account	3.50%	3.55%	36 Month
Min Balance $1,000 Details Nominal Rate tier; Dividends compounded and credited quarterly; Platinum Members add .25% / Member Rewards add .10% to certificates (cannot combine) Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
48 Month Share Certificate Account	3.50%	3.55%	48 Month
Min Balance $1,000 Details Nominal Rate tier; Dividends compounded and credited quarterly; Platinum Members add .25% / Member Rewards add .10% to certificates (cannot combine) Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
60 Month Share Certificate Account	3.50%	3.55%	60 Month
Min Balance $1,000 Details Nominal Rate tier; Dividends compounded and credited quarterly; Platinum Members add .25% / Member Rewards add .10% to certificates (cannot combine) Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
24 Month Share Certificate Account	3.30%	3.34%	24 Month
Min Balance $1,000 Details Nominal Rate tier; Dividends compounded and credited quarterly; Platinum Members add .25% / Member Rewards add .10% to certificates (cannot combine) Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.34% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
12 Month Share Certificate Account	3.25%	3.29%	12 Month
Min Balance $1,000 Details Nominal Rate tier; Dividends compounded and credited quarterly; Platinum Members add .25% / Member Rewards add .10% to certificates (cannot combine) Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.29% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
6 Month Share Certificate Account	3.25%	3.29%	6 Month
Min Balance $50,000 Details Jumbo Rate ($50,000+); Dividends compounded and credited quarterly; Platinum Members add .25% / Member Rewards add .10% to certificates (cannot combine) Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.29% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
6 Month Share Certificate Account	3.00%	3.03%	6 Month
Min Balance $1,000 Details Nominal Rate tier; Dividends compounded and credited quarterly; Platinum Members add .25% / Member Rewards add .10% to certificates (cannot combine) Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%

Employees Federal Credit Union Savings Rates

Product	Rate	APY
Holiday and Vacation Club Accounts	0.50%	0.50%
Min Balance $100 Details Balance: minimum $100.00; Dividends credited annually on the average daily balance upon disbursement at the end of the club year; early withdrawals will be penalized any accrued/earned interest Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
Primary Share and Youth Savings Accounts	0.20%	0.20%
Min Balance $100 Details Balance: $100.01 minimum average daily balance to obtain APY; Dividends compounded and credited quarterly; Rates effective 05/15/2026 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%

Employees Federal Credit Union Checking Rates

Product	Rate	APY
Money Market Investment Checking Account	1.00%	1.00%
Min Balance $100,000 Details Balance: $100,000 minimum; APY=Annual Percentage Yield Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
Money Market Investment Checking Account	0.75%	0.75%
Min Balance $25,000 Details Balance: $25,000 minimum; APY=Annual Percentage Yield Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
Money Market Investment Checking Account	0.50%	0.50%
Min Balance $10,000 Details Balance: $10,000 minimum; APY=Annual Percentage Yield Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
Member Rewards Checking Account	0.25%	0.25%
Min Balance $25,000 Details Balance: $25,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
Money Market Investment Checking Account	0.25%	0.25%
Min Balance $2,500 Details Balance: $2,500 minimum; APY=Annual Percentage Yield Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
Member Rewards Checking Account	0.15%	0.15%
Min Balance $10,000 Details Balance: $10,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
Member Rewards Checking Account	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%

Employees Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity HELOC	-	-	6.75%
Details As Low As; Revolving; Owner Occupied ONLY; variable rate based on WSJP, 3.5% floor Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%

Employees Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Automobiles	-	-	4.24%	up to 84 months
Details As Low As; Loan Amount: 30,000 to 49,999; Rates effective 1/1/2026 Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 4.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
Automobiles	-	-	4.74%	up to 96 months
Details As Low As; Loan Amount: 50,000 plus; Rates effective 1/1/2026 Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 4.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
Automobiles	-	-	5.24%	up to 72 months
Details As Low As; Loan Amount: 15,001 to 29,999; Rates effective 1/1/2026 Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 5.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
Automobiles	-	-	6.74%	up to 48 months
Details As Low As; Loan Amount: 0 to 15,000.00; Rates effective 1/1/2026 Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 6.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%

Employees Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
RVs, Boats, Motorcycles Loan	-	6.74%	up to 48 months
Details As Low As; Loan Amount: 0 to 15,000.00; New/Used Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 6.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
RVs, Boats, Motorcycles Loan	-	7.24%	up to 72 months
Details As Low As; Loan Amount: 15,001 to 24,999; New/Used Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 7.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
RVs, Boats, Motorcycles Loan	-	7.49%	up to 96 months
Details As Low As; Loan Amount: 25,000 to 49,999; New/Used Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 7.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
RVs, Boats, Motorcycles Loan	-	7.74%	up to 96 months
Details As Low As; Loan Amount: 50,000 plus; New/Used Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 7.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%

Employees Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	9.24%	36 months
Details As Low As; Fixed Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 9.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%

Employees Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Land Only Loan	-	-	9.24%	120 months
Details As Low As; Fixed Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 9.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
Line of Credit	-	-	9.24%
Details As Low As; $500 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 9.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
Loans Made Easy	-	-	6.24%
Details As Low As; APR rate based on creditworthiness and term of loan Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
Miscellaneous Loan	-	-	7.74%	36 months
Details As Low As; Balance: $0-$2,499 Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 7.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
Miscellaneous Loan	-	-	8.74%	48 months
Details As Low As; Balance: $2,500-$4,999 Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 8.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
Miscellaneous Loan	-	-	9.74%	60 months
Details As Low As; Balance: $5,000+ Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 9.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
Non-Owner Occupied Loan	-	-	9.24%	180 months
Details As Low As; Fixed Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 9.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
Payday Alternative Loan - 1,000	-	-	18.24%	6 months
Details $200; As Low As Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 18.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
Promotional Loans	-	-	8.24%
Details As Low As; Fixed Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
Real Estate 2nd Mortgage	-	-	8.24%	180 months
Details As Low As; Fixed Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 8.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
IRA Investment Account	0.75%	-	0.75%
Min Balance $500 Details Balance: $500 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
IRA Investment Account	1.75%	-	1.76%
Min Balance $10,000 Details Balance: $10,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.76% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
IRA Investment Account	2.25%	-	2.27%
Min Balance $25,000 Details Balance: $25,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.27% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
IRA Investment Account	2.75%	-	2.78%
Min Balance $50,000 Details Balance: $50,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.78% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
IRA Investment Account	3.25%	-	3.29%
Min Balance $100,000 Details Balance: $100,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.29% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
Share Certificate Account - FLEX Certificate	3.50%	-	3.55%
Min Balance $1,000 Details Nominal Rate tier; Dividends compounded and credited quarterly; Platinum Members add .25% / Member Rewards add .10% to certificates (cannot combine) Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
Share Certificate Account - FLEX Certificate	3.75%	-	3.80%
Min Balance $50,000 Details Jumbo Rate ($50,000+); Dividends compounded and credited quarterly; Platinum Members add .25% / Member Rewards add .10% to certificates (cannot combine) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Employees Federal Credit Union’s Texas Ratio fell from 22.33% in Q3 2023 to 6.70% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 4.4 to 5.0 and its Health Grade from B- to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$47M	6.70%	5.0	A
March 31, 2026	$48M	9.47%	5.0	A
December 31, 2025	$47M	22.22%	4.4	B-
September 30, 2025	$48M	21.33%	4.5	B
June 30, 2025	$47M	23.27%	4.3	B-
March 31, 2025	$48M	20.15%	4.6	B
December 31, 2024	$46M	26.47%	4.0	C+
September 30, 2024	$46M	33.90%	3.4	D
June 30, 2024	$48M	16.14%	4.9	A-
March 31, 2024	$48M	18.20%	4.7	B+
December 31, 2023	$47M	21.66%	4.5	B
September 30, 2023	$49M	22.33%	4.4	B-

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 Employees 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 Employees 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 Employees Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Employees Federal Credit Union

Website https://www.employeesfed.com

Address 1120 W 17th St, Tulsa, OK 74107

Phone 918-582-7573

Fax 918-582-7588

President Ross Weller

CEO John Hughes

Full-Time Employees 18

Part-Time Employees 1

Branch Locations 3

ATM Locations 1

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.70%

Return on Assets (ROA)

0.1267%

Return on Equity (ROE)

1.4831%

Non-Performing Loans Ratio (NPL)

0.98%

Total Assets

46,767,097

Total Amount of Shares and Deposits

42,614,326

Total Shares and Deposits < 1 Year

39,355,814

Total Shares and Deposits 1 3 Years

3,146,655

Total Shares and Deposits > 3 Years

111,858

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

1,411,906

Total Uninsured Shares and Deposits > $250K (F+J)

1,411,906

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

41,202,420

Total Interest Expense (Sum of items 6 8)

303,998

Share Certificates

215

Number of Accounts for Share Drafts

1,918

IRA KEOGH Accounts

Number of Accounts for Regular Shares

3,514

All other shares

Non Member Deposits

Money Market Shares

Net Income (unless the amount is already included in Undivided Earnings)

59,237

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)

2,403,244

Total Liabilities

42,816,630

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Employees Federal Credit Union earned the Verified Healthy badge

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Employees Federal Credit Union

How many branches does Employees Federal Credit Union operate?

Employees 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 Employees Federal Credit Union?

Yes, to access services at Employees 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, Employees 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, Employees Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Employees Federal Credit Union offer online and mobile banking?

Most modern institutions like Employees 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.employeesfed.com.

Current Employees Federal Credit Union Rates

12-Month CD3.29%
24-Month CD3.34%
60-Month CD3.55%
Savings0.20%
MMA1.00%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Employees Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Employees Federal Credit Union Texas Ratio

Employees Federal Credit Union Health Trend

Employees Federal Credit Union CD Rates

Employees Federal Credit Union Savings Rates

Employees Federal Credit Union Checking Rates

Employees Federal Credit Union Home Equity & HELOC

Employees Federal Credit Union Auto Loan Rates

Employees Federal Credit Union RV, Boat and Powersport Loan Rates

Employees Federal Credit Union Personal Loan Rates

Employees Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Employees Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Employees Federal Credit Union

How many branches does Employees Federal Credit Union operate?

Is a member application needed to join Employees Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Employees Federal Credit Union offer online and mobile banking?

Current Employees Federal Credit Union Rates

Compare to Other Credit Unions