Emporia State Federal Credit Union
Headquarters
310 W 12th Ave
Emporia, KS 66801
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2024 Overview
General Credit Union Information
Emporia State is an NCUA insured institution located in Emporia, KS. It was founded in 1937 and has approximately $135.2 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 2227 |
| Date Established | 1937 |
| Assets | $135.20 million |
| Loans | $83.40 million |
| Deposits | $121.36 million |
| Capital | $13.48 million |
Field of Membership Restrictions
Membership is open to employees or students of Emporia State University, employees of ESU Memorial Union, members of the ESU Alumni Association, ESU Foundation or other related institutions.
Deposit Rates - November 7, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.15% | $2,500 | $4,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
1.10% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.15% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.15% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.25% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.25% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.00% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
0.00% | $100,000 | $199,999 |
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|
Loan Rates - November 7, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Emporia State
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.368% | 6.250% | 0.75 | $4,000 | $1,971 | Learn More |
NMLS ID: 2578474 |
6.459% | 6.375% | 0.50 | $2,810 | $1,997 | Learn More |
NMLS ID: 401822 |
6.794% | 6.625% | 0.75 | $5,600 | $2,049 | Learn More |
NMLS ID: 1025894 |
6.867% | 6.750% | 1.00 | $3,852 | $2,076 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Note to Emporia State
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Branches
Below are Emporia State branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Emporia State Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 706.98 | A | View Lobby Hours | |
| 708.52 | B | View Lobby Hours |
Climate Policy and Initiatives
EMPORIA STATE is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Emporia State Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Emporia State. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Emporia State | U.S. Average |
|---|---|
| 1.10% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Emporia State had $74,898 in non-current loans and $77,972 in owned assets. To cover these potential losses it had $13,478,085 in net worth and $377,621 in loans loss reserves. That gives it a Texas Ratio of 1.10%.
Net Worth
| Emporia State | U.S. Average |
|---|---|
| 9.97% | 13.93% |
Emporia State FCU has a net worth of 9.97% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Emporia State
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