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Home - Emporia State Federal Credit Union

Savings Rates

Regular Savings - Rates effective 03/31/2024
Term APR APY Minimum
Dividends Paid Quarterly 0.20% 0.20% $25.00
Certificates- Rates effective 03/13/2024
Term APR APY Minimum
6 Months 4.85% 4.85% $500
12 Months 4.25% 4.25% $1,000
24 Months 3.50% 3.50% $1,000
36 Months 2.50% 2.50% $1,000
48 Months 2.50% 2.50% $1,000
60 Months 2.50% 2.50% $1,000
SAVE TO WIN 12 months (Disclosure Below) 0.50% 0.50% $25
Jumbo 12 months 4.35% 4.35% $100,000
Jumbo 24 months 3.50% 3.50% $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.
  • 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.

Save to Win Disclosure