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 0.30%, 6-month CD rates at 1.75% and 3-month CD rates at 3.35%. Savings rates are at 0.07% and money market rates are at 0.10%. Mortgage rates on 30-year fixed loans are around 6.44%. Credit Card rates are at 12.50%. Personal Loan rates are at 12.00%. 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
Highland Bank
Highland Bank
Kasasa Checking
5.00%
$100
ACMG Federal Credit Union
ACMG Federal Credit Union
18-Month CD
4.30%
$1,000
Raymond James Bank
Raymond James Bank
18-Month CD
4.25%
$1,000
Manasquan Bank
Manasquan Bank
60-Month CD
4.25%
$500
Bank Midwest
Bank Midwest
36-Month CD
4.06%
$500
TSB Bank
TSB Bank
12-Month CD
4.00%
$500
Community Bank of Wichita
Community Bank of Wichita
48-Month CD
3.97%
$500
Hanover Community Bank
Hanover Community Bank
12-Month CD
3.85%
$500
Queenstown Bank
Queenstown Bank
18-Month CD
3.55%
$25,000
BMO Alto
BMO Alto
24-Month CD
3.50%
$0
Acadia Federal Credit Union
Acadia Federal Credit Union
60-Month CD
3.50%
$1,000
Beal Bank USA
Beal Bank USA
48-Month CD
3.45%
$1,000
Bank of the Valley
Bank of the Valley
48-Month CD
3.39%
$500
Centinel Bank of Taos
Centinel Bank of Taos
36-Month CD
3.25%
$1,000
First National Bank in Ord
First National Bank in Ord
18-Month CD (Jumbo)
3.03%
$100,000
First Security Bank Byron, MN
First Security Bank Byron, MN
12-Month CD
3.02%
$500
The Bank of Bennington
The Bank of Bennington
24-Month CD
3.00%
$500
The MINT National Bank
The MINT National Bank
48-Month CD
3.00%
$10,000
Pineries Bank
Pineries Bank
36-Month CD
3.00%
$1,000
Empire State Bank
Empire State Bank
36-Month CD
3.00%
$1,000
Portage Community Bank
Portage Community Bank
24-Month CD
2.75%
$1,000
Metropolitan Capital B&T
Metropolitan Capital B&T
24-Month CD
2.50%
$5,000
Bristol Morgan Bank
Bristol Morgan Bank
24-Month CD
2.30%
$500
Timberland Bank
Timberland Bank
36-Month CD
2.17%
$500
Profile Bank
Profile Bank
24-Month CD
2.02%
$500
Oakwood Bank Pigeon Falls, WI
Oakwood Bank Pigeon Falls, WI
24-Month CD
2.02%
$100
Madison County Bank
Madison County Bank
48-Month CD
2.00%
$500
Republic Bank of Chicago
Republic Bank of Chicago
24-Month CD
1.25%
$1,000
Farmers State Bank of Western Illinois
Farmers State Bank of Western Illinois
48-Month CD
1.15%
$500
Beardstown Savings
Beardstown Savings
60-Month CD
1.06%
$0
Greenstate Credit Union
Greenstate Credit Union
Rainy Day Savings
1.00%
$5
Kennebec Savings Bank
Kennebec Savings Bank
48-Month CD
0.95%
$500
Lake Elmo Bank
Lake Elmo Bank
18-Month CD
0.75%
$1,000
Tompkins Community Bank
Tompkins Community Bank
48-Month CD
0.60%
$1,000
Republic Bank of Chicago
Republic Bank of Chicago
3-Month CD
0.50%
$1,000
Adirondack Bank
Adirondack Bank
48-Month CD
0.50%
$1,000
Boone Bank & Trust Co.
Boone Bank & Trust Co.
Premier Checking
0.50%
$100,000
Androscoggin Savings Bank
Androscoggin Savings Bank
60-Month CD
0.45%
$500
Neffs National Bank
Neffs National Bank
Money Market
0.40%
$500
Metropolitan Bank
Metropolitan Bank
12-Month CD (Jumbo)
0.35%
$50,000
FNB of Pandora
FNB of Pandora
Simply Savings
0.25%
$25
HTLF Bank
HTLF Bank
Statement Savings
0.20%
$100
Ladysmith Federal S&L
Gold Checking
0.20%
$250
Altoona First Savings Bank
Altoona First Savings Bank
18-Month CD
0.20%
$1,000
Bank of Botetourt
Bank of Botetourt
Personal Savings
0.15%
$100
The Bank of New Glarus
The Bank of New Glarus
Savings
0.10%
$0
First National Bank in Amboy
First National Bank in Amboy
Statement Savings
0.10%
$100
Watertown Savings Bank Watertown, MA
Watertown Savings Bank Watertown, MA
12-Month CD
0.10%
$1,000
Hometown Bank Oxford, MA
Hometown Bank Oxford, MA
Get Real Savings
0.05%
$10
Bank of America
Bank of America
36-Month CD
0.03%
$1,000
Show More

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
North Carolina Press Association Federal Credit Union
North Carolina Press Association Federal Credit Union
15 Year Fixed
5.500%
5.654%
0.000
Chartway Credit Union
Chartway Credit Union
5/1 ARM
5.625%
5.693%
0.000
Wells Fargo
Wells Fargo
15-Year Fixed
5.500%
5.724%
1.000
Norfolk Community Federal Credit Union
Norfolk Community Federal Credit Union
15 Year Fixed
5.625%
5.731%
0.250
Navy Federal Credit Union
Navy Federal Credit Union
15-Year Fixed Jumbo
5.500%
5.733%
0.500
McCoy Federal Credit Union
McCoy Federal Credit Union
10 Year Fixed
5.500%
5.820%
0.000
Mutual Security Credit Union
Mutual Security Credit Union
7/1 ARM
5.750%
5.834%
0.000
Freedom Credit Union
Freedom Credit Union
5/1 ARM
5.875%
5.916%
0.000
Lakewood Credit Union
Lakewood Credit Union
10 Year Fixed
5.800%
5.930%
0.000
Savings Bank of Danbury
Savings Bank of Danbury
15-Year Fixed
5.875%
5.959%
0.000
Wells Fargo
Wells Fargo
30-Year Fixed VA
5.750%
5.979%
1.000
FNB of River Falls
FNB of River Falls
10-Year Fixed
5.875%
6.042%
0.000
Vystar Credit Union
Vystar Credit Union
15-Year Fixed
6.000%
6.083%
0.000
Chartway Credit Union
Chartway Credit Union
7/1 ARM
6.000%
6.094%
0.000
Empower Federal Credit Union
Empower Federal Credit Union
15-Year Fixed
5.875%
6.109%
0.000
Community First Bank Rosholt, WI
Community First Bank Rosholt, WI
15-Year Fixed
5.875%
6.117%
0.000
Missouri Credit Union
Missouri Credit Union
10 Year Fixed
6.000%
6.118%
0.000
Magnifi Financial Credit Union
Magnifi Financial Credit Union
15 Year Fixed
6.000%
6.140%
0.000
Greater Iowa Credit Union
Greater Iowa Credit Union
30 Year Fixed
6.125%
6.176%
0.000
Radius Federal Credit Union
Radius Federal Credit Union
15-Year Fixed
6.125%
6.229%
0.000
Geddes Federal S&L
Geddes Federal S&L
7/1 ARM
6.504%
6.250%
0.000
FirstBank of Nebraska
FirstBank of Nebraska
20-Year Fixed
6.250%
6.251%
0.000
Better Banks
Better Banks
15-Year Fixed
6.125%
6.252%
0.000
Mid-Atlantic Federal Credit Union
Mid-Atlantic Federal Credit Union
10/6 ARM
6.250%
6.269%
0.000
Catskill Hudson Bank
Catskill Hudson Bank
10/6 ARM
5.875%
6.335%
0.000
Show More

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
Randolph Brooks FCU
Randolph Brooks FCU
Premier Rate Credit Card Mastercard
12.950% - 18.000%
Abbott Laboratories Credit Union
Abbott Laboratories Credit Union
Select Rewards Visa
15.200%
Introductory rate of 0% APR for the first twelve months on balance transfers and cash purchases.
Academic Federal Credit Union
Academic Federal Credit Union
Academic FCU VISA® Secured Card
10.900% - 15.400%
No annual fee, no cash advance fee, rewards program.
Abilene Teachers Federal Credit Union
Abilene Teachers Federal Credit Union
Visa Gold or Gold MasterCard
9.990%
Credit Line $7,000-$20,000
600 Atlantic Federal Credit Union
600 Atlantic Federal Credit Union
Visa Credit Card
11.900%
Academic Federal Credit Union
Academic Federal Credit Union
Academic VISA® Platinum
10.900%
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
Visa Platinum Preferred Student
17.990%
360 Federal Credit Union
360 Federal Credit Union
Visa Classic
3.990%
Introductory Rate of 3.99% APR for 12 months on transactions in the first 90 days.
Acme Continental Credit Union
Acme Continental Credit Union
Acme Visa Credit Card
9.990% - 18.000%
680 and above rate = 9.90% with Score Card points or 8.80% with No points. 640-679 rate = 10.80%. 600-639 rate = 12.84%. 599 and below rate = 18.00%.
Randolph Brooks FCU
Randolph Brooks FCU
Business Select Credit Card Mastercard
18.000%
LMCU Lake Michigan Credit Union
LMCU Lake Michigan Credit Union
Prime Platinum Visa Credit Card
11.500%
1st Northern California Credit Union
1st Northern California Credit Union
Visa Shared Secured
7.900%
Mountain America Federal Credit Union
Mountain America Federal Credit Union
Rewards Credit Card
14.240%
SchoolsFirst Federal Credit Union
SchoolsFirst Federal Credit Union
Inspire Mastercard
13.750% - 17.900%
Maximum Loan Amount Up to $35,000.00
Teachers Federal Credit Union
Teachers Federal Credit Union
Visa Cash Back
16.100%
Marcus Bank
Marcus Bank
GM Business™ Mastercard®
19.240% - 29.240%
0% Intro purchase APR for first 12 months
Vystar Credit Union
Vystar Credit Union
Visa Signature® Rewards
17.750%
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
Visa Cash Back
16.490% - 17.990%
The Golden 1 Credit Union
The Golden 1 Credit Union
Member Cash Rewards+ VISA
17.040% - 23.040%
Maximize rewards with increased cash back on everyday purchases – with up to 4% cash back on gas purchases. Plus, 3% on groceries, restaurants, and food delivery with 1% on everything else.
Mountain America Federal Credit Union
Mountain America Federal Credit Union
Cash Back Credit Card
17.740%
Automatically get 1.5% cash back on all purchases with no fuss
Access Federal Credit Union
Access Federal Credit Union
Access FCU Visa Gold
9.900%
ACFCU
ACFCU
Max Cash Secure Card Visa
29.990%
Make improving your credit score4 even more rewarding with up to 5% cash back in 2 categories you choose
1st Northern California Credit Union
1st Northern California Credit Union
Visa Premier
9.900%
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
Visa Platinum Preferred Rewards
15.740% - 17.990%
ACFCU
ACFCU
Travel Rewards+ Card Visa
19.740% - 29.740%
Earn 4x unlimited points on travel and more, plus receive a $250 bonus.
Show More

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
Academic Federal Credit Union
Academic Federal Credit Union
Debt Consolidation Loan
9.000%
$0
108
Achieve Financial Credit Union
Achieve Financial Credit Union
Student Loan Consolidation
5.490%
$0
1st University Credit Union
1st University Credit Union
Unsecured Signature Loan
10.250%
$0
25 - 36
1st Northern California Credit Union
1st Northern California Credit Union
1st Line of Credit
9.900%
$0
Access Of Louisiana Federal Credit Union
Access Of Louisiana Federal Credit Union
Personal Loan
9.200% - 17.950%
$0 - $100
12 - 24
Act 1st Federal Credit Union
Act 1st Federal Credit Union
Signature Loan
11.500%
$0
48 - 48
Avenir Financial Federal Credit Union
Avenir Financial Federal Credit Union
Personal Loan
11.990%
$0
Academic Federal Credit Union
Academic Federal Credit Union
Personal Line of Credit
9.000%
$0
60
The Golden 1 Credit Union
The Golden 1 Credit Union
Credit Starter Loan
16.250%
$0
1st MidAmerica Credit Union
1st MidAmerica Credit Union
Signature Loan
10.700%
$0 - $10,000
60 - 60
SchoolsFirst Federal Credit Union
SchoolsFirst Federal Credit Union
Personal Loan
9.990% - 18.000%
$0 - $50,000
America First Federal Credit Union
America First Federal Credit Union
Line of Credit Variable
16.740%
$0
4U Federal Credit Union
4U Federal Credit Union
Personal Loan
10.650%
$0
Access Credit Union Bristol Pa Credit Union
Access Credit Union Bristol Pa Credit Union
Personal Loans
7.990%
$0 - $30,000
Mountain America Federal Credit Union
Mountain America Federal Credit Union
Personal Loan
12.740%
$0
36
Hughes Federal Credit Union
Hughes Federal Credit Union
Line of Credit
13.450%
$0
Accentra Credit Union
Accentra Credit Union
Personal Loan
11.760%
$0
Alec Federal Credit Union
Alec Federal Credit Union
Refinanced Signature Loans
18.000%
$0
1st Street Credit Union
1st Street Credit Union
50% Share Secured Loan
6.460% - 14.990%
$0
Circuit Federal Credit Union
Circuit Federal Credit Union
Personal Loans
10.250% - 10.650%
$3,000 - $25,000
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
Personal Loan
11.240% - 17.950%
$0
25 - 36
Advantage Plus Federal Credit Union
Advantage Plus Federal Credit Union
Signature Loan
14.990%
$0
25 - 36
Y-12 Federal Credit Union
Y-12 Federal Credit Union
Access Line Of Credit
16.240%
$0
Vystar Credit Union
Vystar Credit Union
Personal Line of Credit
16.240%
$0
60
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

Todays-Mortgage-Rates-Current-Average-Mortgage-Rates-November-30-2009Mortgage rates are slightly lower this week over last. Conforming mortgage rates and jumbo mortgage rates are both lower. The average 30 year mortgage rate is at 4.85 percent this week. Today's average jumbo 30 year mortgage rate is currently at 5.65 percent.
mortgage-rates-current-mortgage-rates-july-20-2009Current mortgage rates are up this past week brought on by higher Treasury rates, 10-year U.S. Treasury rates rose from about 3.30 percent to 3.65 percent this week. Today's mortgage rates are  still low by historical standards.
American Bank 5 Year CD rates are now at 1.59 percent with a yield of 1.60 percent. View current 5 Year CD rates at American Bank below.

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Best CD Rate: Doral Bank 12 Month APY 1.40%
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Fixed Mortgage Rates Decrease to Another All-Time Low MBA: 30 Year Mortgage Rates at 4.21%, 15 Year Mortgage Rates at 3.62%

E M O T Reviews

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