Every member of ESFCU has a basic savings account - sometimes called a primary savings account. By
depositing and keeping $25 in this account, you are a member and owner of this credit union. At the end of each quarter, dividends on regular savings accounts are declared by our volunteer board of directors and paid to our members.

In addition, we offer several other products to help you save money.

Click Here for Rates

  • Certificates of Deposit - terms of 6 months to 60 months.  Check out our rates to see which CD is right for you!
  • Save to Win CD - a unique way to save money.  It only takes $25 to open your Save to Win CD and you can continue to deposit to this CD PLUS you have a chance to WIN in our ESFCU monthly drawings or you can WIN in the national drawings!  Click here for more details!
  • *BUMP UP Certificate of Deposit
    You can BUMP UP your Certificate rate once during the term of your CD!

    Terms:  21 Months and 34 Months
    Minimum Balance $1,000
    Maturity date remains the same regardless of when the bump is implemented.
  • IRA and IRA Certificate of Deposit accounts - ask about our options and rates 
  • Designate a portion of your payroll to be deposited in a Club savings account to help you achieve your short term goals  
                Vacation $
                Christmas $
                Back-to-School $

Your savings are federally insured up to $250,000 by the National Credit Union Share Insurance Fund (NCUSIF) and backed by the “full faith and credit” of the U.S. Government.

*No fee to “bump up” your interest rate.  Lock in a higher Emporia State Federal Credit Union published rate any time before maturity*
*Limited to one bump per Certificate of Deposit. Minimum balance of $1,000 required. Penalty for early withdrawal. Must contact Emporia State Federal Credit Union to activate the Bump Rate Option.  No additional deposits accepted during term of certificate.
IRA Certificates are excluded from promotion. Early withdrawal and other restrictions may apply. Insured up to $250,000 per account.  Bump rate will match rate currently in effect at the time bump option is exercised for a like fixed-rate certificate of deposit term. New rate will carry forward from date of increase and will not be retroactive. Unless you indicate otherwise, at time of maturity, the certificate will be reinvested for the same term at a fixed-rate in effect at the time. Personal accounts only. Rates, terms and availability subject to change.