Simply put, a credit union is made up of individuals who come together to provide a safe place to save and borrow at reasonable rates. It's people helping people. Someone who joins a credit union is called a member. Members pool their funds to make loans to one another. When you join a credit union, you purchase a “share” by making a deposit into a savings account. By making that deposit, you become a part owner of that financial institution.

Any profits that the credit union realizes, after operating expenses are paid, are given back to the members/owners in the form of dividends (or interest). The volunteer board of directors that runs each credit union is elected by the members.

Not for profit, not for charity, but for service is the credit union motto.

Emporia State Federal Credit Union

ESFCU Mission Statement
The Emporia State Federal Credit Union is a progressive credit union with fiscally sound ideas, enabling each member to build a successful financial future within a secure, responsible and democratic environment.

Our purpose is to serve this community by offering a wide range of financial services that fit their changing needs. We value each member and strive to exceed their expectations by providing exceptional service.

The election of our Board of Directors occurs at the annual meeting which is usually held in February. Our board members volunteer their time and talents to provide the direction and leadership for our credit union.

We look forward to having the opportunity to serve you and your family, as we have been doing for over 75 years.

The History of our Homes

310 West 12th

1919-1931 - This house was built between 1919 and 1921 by S. H. Warren for his wife, Margaret, and his family. He died before he could move in it, but his wife lived here for almost 10 years before selling it to Warren Finney.

1932-1934 - Finney was a prominent citizen and bank owner in Emporia in the 20’s and 30’s. He is most noted for his involvement with the Great Kansas Bond Scandal. He ended up committing suicide in the summer of 1935.

1934 - The Lyon County Sheriff’s Department took ownership of the property most likely as compensation for the money owed from the Bond Scandal.

1934-1938 - The house remained vacant.

1938-1943 - H. T. Snider bought the property and rented the house to the Sigma Sigma Sigma sorority. The women of the sorority lived in the house until approximately 1943, when they donated the house to the military in a war aid effort.

1943-1944 - Cadets of the 307th College Training Detachment, a flight training program, were housed on the property.

1945-1987 - The American Legion purchased the property in 1945 and was there until Bank IV foreclosed on the house in 1987.

1988-1990 - It remained vacant - with the exception of the Catholic Campus Center which was allowed to have meetings and social gatherings in the building.

1990 - ESFCU bought it in 1990 and we moved into our permanent home in 1991.

2332 Industrial Road Branch

As our credit union continued to grow, the Board of Directors realized that an additional space was needed. After listening to our members and doing extensive research on the best location, they secured a prime spot at 24th and Industrial in April, 2008.

The Board officially named the property the Cravens’ Subdivision in honor of the contributions of past managers, Don and Wilma Cravens.

It was important to the Board that the new branch have all the comforts of our current credit union home. What better way to do that than to build a branch similar in look to our main location at 310 West 12th. We used as many “green” building materials as financially possible. Rick Mitchell with Mitchell-Markowitz Construction, the contractor for the project, designed our branch with the Green Elements by the Sustainable Living Center at the Flint Hills Technical College under the direction of Bill Hanlon. ICF’s (Insulated Concrete Forms) helped to reduce our energy consumption for heating and air by 30%-50% and a water retention area is also located on the property.

June, 2009 - Online Furniture & Equipment Auction. Two employees were in Chicago while management employees Angie Miller and Josh Hubler monitored and approved purchases to furnish our branch at a substantial savings. Furniture and equipment, valued at $86,532, was purchased via the failed bank auction by our credit union for a mere $12,583.

November 19, 2009 - ESFCU, a sponsor of the National Teacher’s Hall of Fame since it’s inception, was proud to be the first off site host of the auction. The branch location was chosen to host the silent auction as well as the auction broadcast live on KVOE radio and Cable One television.

December 3, 2009 - 24th & Industrial Branch opened the doors for business with Grand Opening Week festivities being held the week of December 7-12, 2009!