|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Emporia State Federal 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.
Read Full Bio →
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 16, 2026
Emporia State Federal Credit Union's Jumbo 18 month Special CD rates are at 4.25%, 18 month Special CD rates are at 4.00%, Jumbo 12 month CD rates are at 3.75%, 12 month CD rates are at 3.50%, 24 month CD rates are at 3.50%. Emporia State Federal Credit Union's Personal Loan Rates are as low as 13.00%. MonitorBankRates evaluates the financial stability of Emporia State Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.32%. Rates last updated and verified on 09/16/2026. Emporia State 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 Emporia State Federal Credit Union? Share your experience about Emporia State Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Emporia State Federal Credit Union. Emporia State Federal Credit Union
ESFCU - Main Branch 310 W 12th Ave
https://www.esfcu.com Emporia, KS 66801 
Emporia State Federal Credit Union CD Rates
Emporia State Federal Credit Union Home Equity & HELOC
Emporia State Federal Credit Union Auto Loan Rates
Emporia State Federal Credit Union RV, Boat and Powersport Loan Rates
Emporia State Federal Credit Union Personal Loan Rates
Emporia State Federal Credit Union Other Rates
Financial Health HistoryEmporia State Federal Credit Union’s Texas Ratio fell from 3.27% in Q2 2023 to 1.32% in Q1 2026, so its financial health has improved and is now 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
Powered by
MonitorBankRates
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 Emporia State 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 Emporia State 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 Emporia State Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Emporia State Federal Credit Union
Website
https://www.esfcu.com
Address
310 W 12th Ave,
Emporia, KS 66801
Phone
620-342-2336
Fax
620-343-7273
President
Aron Dody
CEO
Angela Miller
Full-Time Employees
26
Part-Time Employees
5
Branch Locations
2
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.32%
Return on Assets (ROA)
0.2587%
Return on Equity (ROE)
2.4387%
Non-Performing Loans Ratio (NPL)
0.22%
Total Assets
142,841,169
Total Amount of Shares and Deposits
127,223,711
Total Shares and Deposits < 1 Year
123,572,745
Total Shares and Deposits 1 3 Years
3,328,726
Total Shares and Deposits > 3 Years
322,239
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,412,803
Total Uninsured Shares and Deposits > $250K (F+J)
1,412,803
Total Insured Shares and Deposits > $250K (item 17 less item K)
125,810,908
Total Interest Expense (Sum of items 6 8)
461,614
Share Certificates
1,294
Number of Accounts for Share Drafts
5,598
IRA KEOGH Accounts
112
Number of Accounts for Regular Shares
10,316
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)
15,797,823
Total Liabilities
127,700,782
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Emporia State Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Emporia State Federal Credit Union
Frequently Asked Questions About Emporia State Federal Credit UnionHow many branches does Emporia State Federal Credit Union operate?Emporia State 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 Emporia State Federal Credit Union?Yes, to access services at Emporia State 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, Emporia State 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, Emporia State Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Emporia State Federal Credit Union offer online and mobile banking?Most modern institutions like Emporia State 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.esfcu.com. Current Emporia State Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
North Star Credit Union
Georgetown University Alumni and Student Federal Credit Union
SHPE Federal Credit Union
Bond Community Federal Credit Union
Common Trust Federal Credit Union
Stoppenbach Credit Union
Missouri Baptist Credit Union
Central Jersey Federal Credit Union
CLEARVIEW
Dade County Federal Credit Union
Ripco Credit Union
BECU Boeing Employees Credit Union
TOWN OF HEMPSTEAD EMPLOYEES
Unitus Community Credit Union
Town and Country Credit Union
Frederiksted Federal Credit Union
East County Schools Federal Credit Union
CMC-FCPI Employees Federal Credit Union
Langley Federal Credit Union
Premier Credit Union
United Churches Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Rate Assistant
MonitorBankRates.com · Live Data
Try asking