Regular Savings - Rates effective 6/30/2023
| Term |
APR |
APY |
Minimum |
| Dividends Paid Quarterly |
0.25% |
0.25% |
$25.00 |
Certificates- Rates effective 9/01/2023
| Term |
APR |
APY |
Minimum |
| ***14 Month Special |
5.25% |
5.25% |
$1,000 |
| ***24 Month Special |
4.00% |
4.00% |
$250,000 |
| 6 Months |
2.00% |
2.00% |
$500 |
| 12 Months |
3.75% |
3.75% |
$1,000 |
| 24 Months |
3.50% |
3.50% |
$1,000 |
| 36 Months |
3.50% |
3.50% |
$1,000 |
| 48 Months |
3.50% |
3.50% |
$1,000 |
| 60 Months |
3.50% |
3.50% |
$1,000 |
| **21 Month Bump Up |
3.00% |
3.00% |
$1,000 |
| **34 Month Bump Up |
3.50% |
3.50% |
$1,000 |
| **60 Month Bump Up |
3.60% |
3.60% |
$1,000 |
| SAVE TO WIN 12 months (Disclosure Below) |
0.50% |
0.50% |
$25 |
| Jumbo 12 months |
3.80% |
3.80% |
$100,000 |
| Jumbo 24 months |
4.15% |
4.15% |
$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:
Penalty for early withdrawal of 6 months interest which can reduce the principal. 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. 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 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.
- ***New money only. 6-month penalty for early withdrawal may apply. Forfeiture may go into the principal of the certificate. Money at ESFCU must be seasoned for minimum of 30 days. Other restrictions may apply.
Save to Win Disclosure