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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.
 Emergency Responders Credit Union Rates & Review October 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.
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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: October 13, 2026
Emergency Responders Credit Union's top rates as of October 13, 2026 are 3.25% APY on its CD of Deposit - 6 month, 0.25% APY on savings, 2.25% APY on money market accounts, 0.05% APY on checking, personal loans from 8.00% APR, and credit cards from 10.50% APR, according to rates verified by MonitorBankRates. Other Emergency Responders Credit Union CD rates include CD of Deposit - 9 month at 3.20%, CD of Deposit - 12 month at 3.10%, and CD of Deposit - 18 month at 3.00%. MonitorBankRates evaluates the financial stability of Emergency Responders Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.07%. Rates last updated and verified on 10/13/2026. Emergency Responders 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 Emergency Responders Credit Union? Share your experience about Emergency Responders Credit Union by leaving a review below, or read customer reviews before you decide to use Emergency Responders Credit Union. Emergency Responders Credit Union
Emergency Responders Credit Union 1777 Link Rd
https://www.emrspcu.com Winston Salem, NC 27103-4625  Customer Reviews
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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. Emergency Responders Credit Union CD Rates
Emergency Responders Credit Union Savings Rates
Emergency Responders Credit Union Money Market Rates
Emergency Responders Credit Union Checking Rates
Emergency Responders Credit Union Home Equity & HELOC
Emergency Responders Credit Union Auto Loan Rates
Emergency Responders Credit Union RV, Boat and Powersport Loan Rates
Emergency Responders Credit Union Credit Card Rates
Emergency Responders Credit Union Personal Loan Rates
Emergency Responders Credit Union Other Rates
Financial Health HistoryEmergency Responders Credit Union’s Texas Ratio fell from 13.40% in Q3 2023 to 7.07% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. 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)
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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 Emergency Responders 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 Emergency Responders 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 Emergency Responders Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Emergency Responders Credit Union
Website
https://www.emrspcu.com
Address
1777 Link Rd,
Winston Salem, NC 27103-4625
Phone
336-723-0619
Fax
336-725-0955
President
Jerry Amos
CEO
Kalyn Stowers
Full-Time Employees
10
Part-Time Employees
0
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.07%
Return on Assets (ROA)
0.3751%
Return on Equity (ROE)
4.6181%
Non-Performing Loans Ratio (NPL)
0.84%
Total Assets
30,158,610
Total Amount of Shares and Deposits
27,539,539
Total Shares and Deposits < 1 Year
26,412,442
Total Shares and Deposits 1 3 Years
1,127,097
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,125,234
Total Uninsured Shares and Deposits > $250K (F+J)
3,125,234
Total Insured Shares and Deposits > $250K (item 17 less item K)
24,414,305
Total Interest Expense (Sum of items 6 8)
224,160
Share Certificates
230
Number of Accounts for Share Drafts
1,160
IRA KEOGH Accounts
70
Number of Accounts for Regular Shares
3,759
Money Market Shares
207
Net Income (unless the amount is already included in Undivided Earnings)
113,129
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)
5,572,507
Total Liabilities
27,708,910
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Emergency Responders Credit UnionHow many branches does Emergency Responders Credit Union operate?Emergency Responders 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 Emergency Responders Credit Union?Yes, to access services at Emergency Responders 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, Emergency Responders 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, Emergency Responders Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Emergency Responders Credit Union offer online and mobile banking?Most modern institutions like Emergency Responders 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.emrspcu.com. Current Emergency Responders Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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