Emporia State

310 W 12TH AVE, Emporia, KS 66801

NCUA Insured3.8 (17 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1937

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Emporia, KS may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1937

Low-Income Designated

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

310 W 12TH AVE

Emporia, KS 66801

Google Maps 🗺Waze

(620) 342-2336

Service Area

This credit union is located in Emporia and serves members in the KS area. Currently serving 8,141 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.24%

Used Auto Loan

6.37%

Personal Loan

13.93%

Credit Card APR

13.12%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in KS

Lowest rates currently reported by credit unions in KS (NCUA Q4 2025).

Reliance— New Auto Loan

Kansas City, KS

3.25%

Communityamerica— Used Auto Loan

Lenexa, KS

3.74%

Sm— Personal Loan

Mission, KS

2.68%

Sunflower Community— Credit Card APR

Marysville, KS

8.50%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(2 total)

Member Reviews

3.8

17 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Seth Botkin

2 years ago

I have banked with the credit union for over 25 years. I have seen a lot of people come and go, but the one thing that stays the same, is their ability to help me in anyway they can. Friendly staff, great service and all the latest tools and options for borrowing money and account management. Thanks ESFCU.

Drake Stafford

4 years ago

They are not part of the credit union co op And when they told me I had to get money out of the atm and once I did that they then refused to break their own bills Will not be returning

Mayo Arevalo

3 years ago

Would not recommend. They like to charge fees and not get in contact at all like the new bank I'm moving. Unless you're uppity I wouldn't recommend this bank.

Lance S

8 years ago

I love this bank. They have always been super friendly and always cared about my concerns and did something about it. They have always been there when I needed them. Thank you ESFCU!