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Home - Emporia State Federal Credit Union

Savings Rates

Regular Savings - Rates effective 7/13/2021
Term APR APY Minimum
Dividends Paid Quarterly 0.175% 0.175% $25.00
Certificates of Deposit - Rates effective 7/13/2021
Term APR APY Minimum
6 months 0.20% 0.20% $500
12 months 0.40% 0.40% $1,000
24 months 0.75% 0.75% $1,000
36 months 1.00% 1.00% $1,000
48 months 1.00% 1.00% $1,000
60 months 1.00% 1.00% $1,000
**21 month Bump Up 0.70% 0.70% $1,000
**34 month Bump Up 0.95% 0.95% $1,000
*SAVE TO WIN 12 months 0.50% 0.50% $25
Jumbo 12 months 0.60% 0.60% $100,000
Jumbo 24 months 0.95% 0.95% $100,000

IRA Certificates - call for rates 620-342-2336.

Important Notices

  • APR = Annual Percentage Rates
  • APY = Annual Percentage Yield
  • All interest rates are subject to change without notice
  • ESFCU Certificates of Deposit:
    Penalty for early withdrawal.  Other restrictions may apply. Insured up to $250,000 per account. 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.
  • **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. 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.

Save to Win Disclosure