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E M O T

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E M O T Rates & Review March 2026

Q: Is E M O T a safe place to deposit money?

Yes, E M O T is considered a safe financial institution. With a Texas Ratio of 1.4678919882398%, 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.

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: March 28, 2026

You can compare E M O T rates to other rates in our database, including 12-month share certificate rates currently at 3.00%, 6-month share certificate rates at 3.73% and 3-month share certificate rates at 2.00%. Savings rates are at 0.10% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 5.78%. All these rates can be compared to E M O T rates. 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 1.47%. Rates were last updated on 03/28/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.47%

Excellent Lower than avg

North Side Bank and Trust Company
EMOT Federal Credit Union

471 Cypress St
Abilene, TX 79601 5101

Current Rate Availability

We do not have E M O T rates right now, but we are constantly updating our database so check back often for updated rates.

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

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 1

Part-Time Employees 1

Branch Locations 1

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

1.47%

Return on Assets (ROA)

0.9326%

Return on Equity (ROE)

2.3607%

Non-Performing Loans Ratio (NPL)

1.90%

Total Assets

9,100,711

Total Amount of Shares and Deposits

5,448,005

Total Shares and Deposits < 1 Year

5,448,005

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

5,448,005

Total Interest Expense (Sum of items 6 8)

112,042

Number of Accounts for Regular Shares

466

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

164,333

Total Liabilities

5,505,350

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About E M O T

Is E M O T a safe place to deposit money?

Yes, E M O T is considered a safe financial institution. With a Texas Ratio of 1.4678919882398%, 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 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.