Emporia State Credit Union Emporia KS | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Emporia State Credit Union, your trusted financial partner located at 310 W 12th Ave, Emporia, KS 66801. Established in 1937, we have proudly served our community for over 85 years, fostering a culture of trust and commitment to our members. With a robust membership of 7,957 individuals and total assets exceeding $136,443,814, we are dedicated to providing personalized financial services that truly make a difference. At Emporia State, we understand that every member's needs are unique. That's why we offer a wide array of services including checking and savings accounts, auto loans, mortgage loans, personal loans, and business banking solutions. Our team is here to support you in achieving your financial goals. Under the leadership of CEO Angela Miller and Board President Aron Dody, our credit union has built a solid reputation based on integrity and service. We employ a dedicated team of 30 employees who are always ready to assist you with any inquiries or needs you might have. Whether you're looking to save for your future or finance your next vehicle, we're here to guide you every step of the way. If you need assistance or want to learn more about how we can help you achieve your financial dreams, feel free to reach out at 620-342-2336 or visit our website at esfcu.com. While members can visit us at our branch location, official correspondence should be sent to the same address: 310 W 12th Ave, Emporia, KS 66801. Join us at Emporia State Credit Union today and experience the difference of being part of a community-focused institution!

Branch History & Mission

Commitment to Community

We take pride in being more than just a financial institution; we're an integral part of the Emporia community. Through various outreach initiatives and partnerships with local organizations, we actively support events and causes that matter most to our members. We are committed to ensuring that every interaction with us reflects our dedication to customer service. As we look forward to the future, we invite you to join us on this journey. Experience firsthand how becoming a member of Emporia State can benefit you and your family. Together, let's build a stronger community focused on growth and opportunity. For more information or if you're ready to take the next step towards better banking experiences, visit us online at Emporia State or call us at 620-342-2336 today!

Our Journey

From humble beginnings, Emporia State was founded with a mission to provide accessible financial services that uplift and empower individuals and families in our area. As we evolved, we embraced innovations in banking while staying true to our core values of integrity, service, and community support. The dedication of our team has played an essential role in transforming the branch into a trusted financial partner. Throughout the years, we've achieved several milestones that reflect our commitment to excellence. We've expanded our services to include personal banking options like checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Our focus on meeting diverse needs has made us a cornerstone of the Emporia community.

Our Mission

At Emporia State, our mission is simple yet powerful: we strive to enhance the financial lives of our members while contributing positively to the community. We believe that everyone deserves access to affordable financial services. By providing personalized assistance and educational resources, we aim to empower our members to make informed decisions about their finances. While members can visit us at 310 W 12th Ave, official correspondence should be sent to the same address as our mailing address: 310 W 12th Ave, Emporia, KS 66801. We're here for you not just during business hours Monday through Friday from 8:30 AM to 5:30 PM, and Saturdays from 8:30 AM to Noon but also with convenient ATM access and drive-thru banking options.

Branch Location & Accessibility

Welcome to Emporia State, your friendly neighborhood credit union located at 310 W 12Th Ave in the heart of Emporia, Kansas. We're conveniently positioned near local landmarks, making it easy for you to stop by and take care of your banking needs. Whether you're heading to a nearby café or visiting the local library, you can always swing by our branch. At Emporia State, we prioritize accessibility for all members. Our location is designed with features that ensure everyone can visit us comfortably, including ADA-compliant ramps and ample parking space. If you need assistance, our welcoming staff is always ready to help. We know your time is valuable, which is why we offer convenient operating hours. Our lobby is open Monday through Friday from 8:30 AM to 5:30 PM and on Saturday from 8:30 AM to noon. This means you can find the time that best fits your schedule to visit us. Need cash or want to perform quick transactions? We've got you covered with an ATM on-site and a drive-thru service for deposits and withdrawals. Although we don't offer shared services, our team is here to provide personalized support for all your banking needs. While members can visit us at 310 W 12th Ave, official correspondence should be sent to the same address. Have questions? Feel free to give us a call at 620-342-2336. We invite you to come by and discover how Emporia State can support your financial journey!

Member Eligibility

At Emporia State, we believe that everyone deserves to be part of a caring community where their financial needs are met with understanding and support. Joining us is simple and welcoming! If you live, work, or attend school in the Lyon County area, you're likely eligible to become a member. We also extend our membership to family members of current members, ensuring that your loved ones can enjoy the benefits too. By becoming a member of Emporia State, you'll gain access to a variety of financial services designed just for you whether it's personal banking, auto loans, or credit cards with rewards. Ready to take the next step? You can check out the complete eligibility details on our website at https://www.esfcu.com/learn-more/esfcu/membership. If you're eager to open an account, we've made that easy as well! Just visit https://www.esfcu.com/mortgages/mortgages/apply-now to get started. Should you have any questions or need assistance, feel free to reach out to us at (620) 342-2336. We're here for you!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $2 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $13,609, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In today's fast-paced market, having reliable merchant services can make all the difference. Picture this: your customers want to pay quickly and easily. With our merchant services, you can accept payments seamlessly whether in-store or online making transactions smoother for both you and your customers. This not only enhances customer satisfaction but also helps boost your sales. Located conveniently at 310 W 12Th Ave Emporia Ks 66801 in Emporia, KS, our team is ready to assist you. Give us a call at (620) 342-2336 to learn more about how we can help your business thrive!

Comprehensive List Of Services

Additional Services

Additionally, if you prefer face-to-face interactions for basic transactions, our Basic Drive-Thru Banking allows quick deposits, withdrawals, and other simple transactions without leaving your vehicle. Plus, enjoy Basic ATM Access for quick withdrawals and balance checks whenever needed. At Emporia State, we pride ourselves on being more than just a credit union; we're a community partner dedicated to helping our members achieve their financial goals. If you're ready to explore all that we have to offer or if you have questions about any of our services, don't hesitate to reach out at (620) 342-2336 or visit us online at Esfcu - Main Branch. Join us today and take the first step toward better financial management!

Business Banking Services

For our business members, Business Banking services like Merchant Services and Business Loans are available to support your entrepreneurial ventures. We know how important it is for small businesses to have reliable financing options.

Convenient Digital Banking Features

In this fast-paced world, convenience matters. That's why we offer robust Online & Mobile Banking capabilities. You can manage your accounts from anywhere whether it's checking balances, transferring funds, or paying bills right from your smartphone or computer. Our secure ATM & Cash Withdrawal Services ensure that accessing cash is never a hassle.

Credit Options and Debt Management

Financial flexibility is key in today's world, which is why we also offer Personal Loans & Debt Consolidation solutions. Whether you need extra cash for unexpected expenses or want to streamline your debt payments into one manageable loan, we're here to help. Don't forget about our Credit Cards with Rewards program! Enjoy perks as you spend while building your credit. It's an excellent way to make everyday purchases work for you.

Personal Banking Solutions

When it comes to personal banking, we offer Checking & Savings Accounts designed to help you manage your money effectively. Imagine having easy access to your funds while also earning interest on your savings. Our accounts come with features that make it simple to track and grow your money. For those considering a new car or perhaps refinancing an existing loan, our Auto Loans & Vehicle Financing options are tailored to fit various budgets and lifestyles. We understand that buying a car can be a big decision, and we're here to guide you through the process. If you're thinking about purchasing a home or refinancing your current mortgage, our Mortgage Loans & Refinancing services provide competitive rates and flexible terms. We'll work with you every step of the way, making sure you understand your options.

Digital & Online Banking

Key Features for Your Convenience

With our user-friendly mobile application, you can check balances, transfer funds, and pay bills right from your smartphone. Plus, if you're looking to send money to friends or family quickly, our person-to-person transfer feature makes it a breeze. You can even authorize transactions securely with electronic signatures, ensuring that everything is safe and straightforward. We also provide e-statements for those who prefer paperless options. This means you can access your account statements anytime without waiting for them to arrive in the mail. Our mobile payments feature adds another layer of convenience by allowing you to make purchases directly from your phone.

Security You Can Trust

Your security is our top priority. All our online services are designed with robust protection measures to keep your information safe. We strive to give you peace of mind while managing your finances from the comfort of your home or while out and about. In today's fast-paced world, having real-time access to your accounts is essential. With the features available at Emporia State, you'll find that staying on top of your financial needs has never been easier or more secure. Explore all that our digital banking services have to offer today!

Financial Strength

Focused on Growth

With $13,241,928 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our capacity to support your financial goals is reflected in our robust lending portfolio, which includes $1,023 in used auto loans and $82,559,318 in total loans and leases.

Member Trust

Total Share Accounts: 15,896, show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0 reflect our commitment to providing the best possible service while maintaining sound financial practices. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Emporia State is your trusted partner. Visit us at 310 W 12Th Ave Emporia Ks 66801 or call (620) 342-2336 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.*

Operational Efficiency

Our operational efficiency is demonstrated by our $369,477, enabling us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 25 full-time employees and 5 part-time employees who are dedicated to serving you with knowledge and care.

Secure Savings Options

Members' savings are secured through $43,875,959 in share certificates, offering stable and rewarding financial growth opportunities. We also prioritize our members over non-member interests. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $13,494,103, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 9.89% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Additional Loan Products

In addition to these key offerings, we have credit lines available totaling $53,340,214, catering to those who need additional flexibility in their borrowing options. For business owners seeking capital for growth and expansion, our outstanding commercial loans amounting to $13,609 are available as well. If you're considering refinancing options or want to learn about eligibility requirements for any of our loan products, please don't hesitate to reach out! You can contact us at (620) 342-2336 or visit us during our operating hours from 8:30 AM to 5:30 PM Monday through Friday and Saturday from 8:30 AM to Noon. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. At Emporia State Credit Union, we're here to help you navigate your financial journey with confidence!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $13,616,039 in used vehicle loans and $1,995,543 in new vehicle loans already helping members get on the road. We make it easy to get behind the wheel of the vehicle you need with financing options that work for you.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $6,498,558, make buying or refinancing simple. We provide personalized support throughout the process so you can feel confident in your investment.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $1,173,786 in loans helping members manage their finances effectively. These cards come with benefits that suit various spending habits while providing the freedom to shop without worry.

Loan Aggregator

Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This means that all offers displayed are fair and transparent, giving users peace of mind when exploring their financing options.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that truly reflect market conditions. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, empowering them to make informed decisions quickly. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights the effectiveness and reliability of the platform. To explore your options further, compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

EMPORIA STATE FEDERAL CREDIT UNION - Emporia, KS

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