Regular Savings - Rates effective 12/11/2019
Term APR APY Minimum
Dividends Paid Quarterly 0.65% 0.65% $25.00
Certificates of Deposit - Rates effective 11/01/2019
Term APR APY Minimum
6 months 0.75% 0.75% $500
12 months 1.90% 1.90% $1,000
24 months 2.00% 2.00% $1,000
36 months 2.10% 2.10% $1,000
48 months 2.25% 2.25% $1,000
60 months 2.25% 2.25% $1,000
*SAVE TO WIN 12 months 0.50% 0.50% $25
**BUMP CD   21 months 2.15% 2.15% $1,000
***Special CD Rate   36 months 2.30% 2.30% $1,000
Jumbo 12 months 2.00% 2.00% $100,000
Jumbo 24 months 2.25% 2.25% $100,000
IRA Certificates call for rates

Important Notices

  • APR=Annual Percentage Rate
  • APY=Annual Percentage Yield
  • All interest rates are subject to change without notice.
  • Penalty for early withdrawal.

***Minimum $1,000 deposit.  Rate subject to change without notice.  Early withdrawal and other restrictions may apply.
****Minimum $10,000 deposit.  Rate subject to change without notice.  Early withdrawal and other restrictions may apply.
**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. 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.
*SAVE TO WIN disclosure ESFCU-Save-to-Win-TIS
Early withdrawal and 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.