Latest Update:


Out of an abundance of caution due to community spread of the coronavirus and for the safety of our employees and members, we have closed our downtown branch until Monday, Nov. 23rd.

Drive thru services are available at our 2332 Industrial location. All processing and loan services are available as well.

Please note we continue to encourage you to use online or mobile banking if at all possible. ATM, Debit and Credit Card services, online bill pay and mobile deposit are a great ways to reduce your exposure.

Additionally, both mortgage and consumer loans are available via a phone call, electronic applications at Documents can be signed and returned electronically.

Be safe! We look forward to serving you again on Monday, Nov. 23rd at BOTH locations. 

Angie Miller, President/CEO
Emporia State Federal Credit Union
(620) 342-2336 
NMLS # 487328

June 19th
Beginning Monday, June 22nd, we will return to the regular Drive Thru both locations.
                                     M, T, Th, F  8:30 to 5:30
                                     Wed  9:00 to 5:30
                                     Saturday  8:30 to 12:00

The lobby continues to be available by appointment only.  Curbside and electronic loan closings available.

June 9, 2020

We put together this chart that shows you how to do what you need to do with the tools and resources we provide for you. Please know that if you have a financial task you need to take care of, we will find a way for that to happen! Just give us a call at (620) 342-2336.  Thank you for your patience as we safely move forward.

May 14, 2020

A Message from Angie Miller, President/CEO of ESFCU.

Here is a Coronavirus Anxiety Workbook that you can download for free.  We hope it may be helpful to your or someone you care about.

Click here to access the Coronavirus Anxiety Workbook.

*Stimulus check FRAUD:  If you receive a text, email or phone call regarding your pending IRS stimulus check - THIS IS A SCAM.  DO NOT give out any information.  Please go to to check for the status of your stimulus check.

March 26, 2020. 

At ESFCU our members, employees and our community are very important to us.  In order to minimize the spread of COVID-19, and to provide service in a safe manner, we will continue our Drive-Thru service only at both locations.  Our hours will be Monday - Friday from 9:00 a.m. to 5:00 p.m.  We do have Night Drops available at both locations (lane 1 of each Drive Thru).  

We have the technology to take care of all of your financial needs through our online services, the ESFCU Mobile App with Mobile Deposit and the drive thru.  Now is a great time to make sure you are signed up for online banking.  Be sure to download the ESFCU app where you can transfer money, make deposits and check your balance.

Our Member Service Representatives will be available in the drive thru, or by phone, for your day to day transactions and for any debit/credit card needs or home banking questions.

Our Loan Officers will be available by phone and will continue processing loan applications and requests.  The signing of documents will primarily be done electronically through Docu-sign or can be done curb-side by appointment.

You may have access to your Safe Deposit Boxes at our Industrial Branch by appointment.

March 20, 2020  ESFCU Board of Directors has taken action to put into place loan programs that will help those who are in financial need during this pandemic.  Please contact an ESFCU loan officer for more details. 

1. Skip Payment Program. This program will help those members who have been laid off or unemployed due to the pandemic.  Members may skip up to 3 payments (approved on a month to month basis). This program applies to all consumer loans, credit cards and HELOC loans.

2. People Helping People Loans.  These special, low interest loans are designed to help those who might find themselves out of work with no pay due to a layoff or reduction of hours.  

Some restrictions apply. Does not apply to loans that are currently delinquent on credit report.  APR (Annual Percentage Rate) determined by each members's individual creditworthiness at the time of each advance.    

March 17, 2020

Please be aware that we are experiencing delays in mail delivery.  We are working with our local post office to resolve any issues that are in our control so that we get your deposits and payments credited to your account as soon as possible.  If you are sending deposits or payments throught the mail, please be advised that it may take longer to reach your accounts.  

Remember that you can deposit checks with through our free Mobile App.  Through our online access (eteller) you can transfer monies between your credit union accounts or to a credit union loan.  Please call us at (620) 342-2336 to find out more!

March 16, 2020
Dear Emporia State Federal Credit Union (ESFCU) member,

We know there is growing concern as the outbreak and impact of the Coronavirus (COVID-19) continues to evolve. Ensuring the health and well-being of our community, our members and employees is always a top priority, and is especially critical at this time.

ESFCU is committed to taking care of your banking needs and those of your family on your terms.  With safety in mind, we are closely monitoring the Coronavirus (COVID-19) and are taking precautions based on guidance from the Centers for Disease Control and Prevention (CDC) and our local public health officials. 

ESFCU has therefore elected to temporarily move to utilizing drive-thru only service at both of our locations, beginning Monday, March 16th, 2020 until further notice.  The Lobby will be open by appointment only.

This measure is a proactive precaution to employ ‘social distancing’ practices in an effort to protect both our members and employees while staying available to serve our members during our normal business hours. 

We expect the increased traffic in our drive-thru lanes may slightly slow the pace of service at times.  We appreciate your patience as we work to conduct business in the safest way possible during these unique circumstances.
Our normal drive thru hours are:
     310 Drive Up                                                   Branch Drive Up
     M, T, TH, F     8:30am - 5:30pm                      M, T, TH, F     8:30am - 5:30pm
     Wed.              9:00am - 5:30pm                      Wed.  9:00am - 5:30pm
     Saturday       8:30am - Noon                         Saturday    8:30am-Noon

As a reminder, there are many ways ESFCU is ready to assist you if you are unable to visit one of our drive-thrus:

  • You may use eteller, our online account service to access your accounts from home.   eteller allows you instant access to pay bills, view transactions, check balances, transfer money between esfcu accounts, send secure messages and more. 
  • Our Mobile Banking app also allows you to access your account information and the ability to transfer money, deposit checks, pay your bills and more.  
  • Our online mortgage loan application is available 24/7 at any time you’re ready to start your home loan process.
  • You can apply for any loan online and with our docusign service, we can get the paperwork to you electronically for your signature.
  • As always, our dedicated staff is here for you to address any questions or concerns related to your accounts.  Call us at 620-342-2336 to speak with a knowledgeable ESFCU employee.

Rest assured, we are prepared in the event we need to make further adjustments to our staff, locations or operations.  We will keep you updated on this website as well as our facebook page.

Thank you for your loyalty and trust in ESFCU and your patience and cooperation as this situation develops.