Emporia State Credit Union Emporia KS | Best Auto Loans & Business Banking

Introduction

Welcome to Emporia State, your trusted partner in financial wellness! Located at 2332 Industrial Rd, Emporia, KS 66801, we have been serving our community since 1937. With a strong commitment to our members, we have grown to support over 7,957 individuals and families with their banking needs. At Emporia State, we take pride in our solid financial foundation. Our total assets stand at an impressive $136,443,814, while our deposits total $9,975,635. This demonstrates not only the trust placed in us by our members but also our capability to provide you with reliable services. We currently manage 2,704 loans and leases, ensuring that we can meet the diverse borrowing needs of our community. We understand that personal connections matter. Under the leadership of our CEO, Angela Miller, and Board President Aron Dody, we strive to create an environment where every member feels valued and heard. With a dedicated team of 30 employees, we're here to assist you with everything from checking accounts to auto loans and mortgages. While members can visit us at our branch location for face-to-face service, any official correspondence should be sent to our mailing address at 310 W 12th Ave, Emporia, KS 66801. We encourage you to explore all that we offer through our website at esfcu.com, where you can access online banking services or apply for a loan conveniently from home. Your financial journey is important to us. We invite you to reach out via phone at 620-342-0318 or drop by during our lobby hours Monday through Friday from 8:30 AM to 5:30 PM and Saturday from 8:30 AM until noon. Join us at Emporia State today and discover how we can help you achieve your financial goals!

Branch History & Mission

Join Us

As we look toward the future, we invite you to become part of our family at Emporia State. Experience firsthand how we can help you achieve your financial dreams while being an active participant in a thriving community. With dedicated staff available during operating hours from 8:30 AM - 5:30 PM (Monday-Friday) and 8:30 AM - Noon (Saturday), we're here to assist you every step of the way. Don't hesitate reach out today at 620-342-0318 or visit us online at Emporia State Credit Union for more information about membership opportunities. Together, let's build a brighter financial future!

Mission Statement

At Emporia State, our mission is clear: we aim to provide personalized financial services that foster growth and support within our community. We believe in creating lasting relationships with our members by offering competitive rates and accessible services tailored to individual needs. Our focus extends beyond just transactions; we are committed to enriching lives through education and outreach initiatives. We regularly engage in community events and partnerships that uplift local organizations. By doing so, we not only support our members' financial goals but also contribute positively to the fabric of Emporia.

Our Journey

Over the years, Emporia State has continually adapted and expanded its services to meet the evolving needs of our community. From offering basic savings accounts in our early days to now providing comprehensive financial solutions including auto loans, mortgages, personal loans, and business banking we strive to empower every member with the tools they need for financial success. As of today, we proudly hold total assets amounting to $136,443,814. Our evolution reflects not only our growth but also our dedication to enhancing the lives of our members. We understand that finances can be daunting; that's why we've embraced digital advancements like online banking and mobile payments while ensuring ADA compliance for all our facilities. Our drive-thru service and ATM access offer convenience for those on the go.

Branch Location & Accessibility

Convenient Access and Amenities

Getting to us is easy! Whether you're driving or walking, you'll find ample parking right outside our doors, making your visit hassle-free. Our facility is equipped with ADA-compliant features, including ramps for easier access. Plus, we have a drive-thru service available for quick transactions without leaving your car perfect for those busy days!

Get in Touch

We would love to see you at our branch! Feel free to give us a call at 620-342-0318 if you have any questions or need assistance. Come visit us today at Emporia State, where we're committed to providing you with exceptional service and support for all your banking needs!

Operating Hours

We understand that life can be hectic, which is why our doors are open during convenient hours: Monday through Friday from 8:30 AM to 5:30 PM, and Saturdays from 8:30 AM until noon. Our dedicated team is here to assist you with everything from personal banking needs to auto loans.

Services Offered

At Emporia State, we offer a wide range of services tailored to fit your financial goals. Enjoy personal banking options like checking and savings accounts, along with auto loans and mortgage refinancing. Our online and mobile banking services make managing your finances simpler than ever! Don't forget, we also have an ATM on-site for quick cash withdrawals and balance checks.

Member Eligibility

Becoming a member of Emporia State is like joining a close-knit family that values your financial well-being. If you live, work, or attend school in the Lyon County area, you're already on the right path to membership. Whether you're a long-time resident or just starting your journey here, we believe everyone deserves access to personalized financial services and community support. You can enjoy a range of benefits by becoming part of our cooperative, including competitive rates on loans and savings accounts tailored to fit your needs. For more details about eligibility requirements, feel free to visit our resource page at https://www.esfcu.com/learn-more/esfcu/membership. Opening an account is straightforward and welcoming! Just give us a call at (620) 342-0318, or check out the easy steps for account opening at https://www.esfcu.com/mortgages/mortgages/apply-now. We can't wait to welcome you into the Emporia State community at our location: 2332 Industrial Rd Emporia Ks 66801. Join us today and experience the difference of being part of something special!

Business Banking & Commercial Services

Practical Merchant Services

Imagine simplifying your transactions while enhancing customer satisfaction. Our merchant services allow you to accept payments easily, ensuring your cash flow remains steady. With tools tailored for today's businesses, you can focus on what really matters growing your company. With an outstanding commercial loan portfolio of $13,609, we continue to drive economic growth by financing new and expanding businesses. Partner with us at Emporia State, located at 2332 Industrial Rd Emporia Ks 66801, Emporia, KS, and watch your business thrive! For inquiries, call us at (620) 342-0318.

Supporting Your Business Growth

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. But we don't stop there. We also recognize the needs of the broader community. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions.

Comprehensive List Of Services

Accessibility and Convenience

For quick transactions, our Basic Drive-Thru Banking provides an easy way to make deposits and withdrawals without leaving your vehicle. Our ATMs allow for convenient access to cash and balance checks without lengthy waits. At Emporia State, we believe that banking should be accessible and straightforward for everyone in Emporia and beyond. We're here to answer any questions about these services or help you get started. Ready to take control of your financial future? Visit us at 2332 Industrial Rd Emporia Ks 66801 or contact us at (620) 342-0318 today! Explore how we can assist you with all your banking needs your financial success is just around the corner!

Business Banking Services

If you own a business, we have your back with comprehensive Business Banking services. From Merchant Services that help streamline transactions to tailored Business Loans that support your growth, we are committed to helping local businesses thrive.

Digital Banking Features

In today's fast-paced world, convenience is key. Our online and mobile banking platforms ensure that you can manage your accounts anytime, anywhere. With features like Online & Mobile Banking, you can check balances, transfer funds, and pay bills right from your phone or computer. We also offer ATM & Cash Withdrawal Services, so accessing cash is never a hassle.

Personal Banking Solutions

We understand that managing personal finances can be challenging. That's why we offer Checking & Savings Accounts tailored to fit your lifestyle. Whether you're saving for a vacation or managing daily expenses, our accounts provide the flexibility you need. When it comes to larger purchases, like a new car or home, our Auto Loans & Vehicle Financing options make the process simple and straightforward. Imagine driving away in your dream car with financing that suits your budget! If you're considering buying a home, our Mortgage Loans & Refinancing options can help you secure the best rates available. For those unexpected expenses, our Personal Loans & Debt Consolidation services offer a way to manage your finances without added stress. Plus, don't forget about our Credit Cards with Rewards, which allow you to earn points on everyday purchases.

Digital & Online Banking

Key Services

Our online banking allows you to check balances, pay bills, and transfer money all from the comfort of your home or on the go. You can also enjoy the benefits of e-statements, which provide you with an eco-friendly way to access your financial information anytime you need it. Plus, if you ever find yourself needing to sign documents quickly, our electronic signature authorization feature makes it simple and secure. For those who are always on the move, our mobile application offers a user-friendly interface where you can manage your accounts right from your smartphone. Want to split a dinner bill or send money to a friend? Our person-to-person transfer feature lets you do just that with just a few taps. And if you're looking for modern payment options, our mobile payments feature allows for quick transactions without needing cash or cards.

Security and Support

Your security is our top priority. At Emporia State, we use advanced encryption technologies to keep your personal information safe while you bank online. This means you can focus on what matters most your finances without worrying about security breaches. Whether you're accessing our services during business hours or late at night, we're here for you every step of the way. Explore all that our digital banking services have to offer by visiting us at https://www.esfcu.com/ today!

Financial Strength

Commitment to Service

Our $369,477 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 25 full-time employees and 5 part-time employees who are dedicated to providing you with exceptional service.

Growing Membership Base

Total Share and Deposit Accounts: 15,896, showing a strong and growing member base that trusts us with their finances. 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 2332 Industrial Rd Emporia Ks 66801 or call (620) 342-0318 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $43,875,959 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. 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.

Reinvestment for Growth

With $13,241,928 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports your financial goals across various sectors, with $1,023 in used auto loans and $82,559,318 in total loans and leases available to you.

Solid Financial Foundation

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

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. Whether you're interested in financing a new or pre-owned vehicle, our competitive rates and flexible terms can make it easier for you to drive away happy.

Credit Lines

Our total credit lines amounting to $53,340,214 can be an excellent resource for those looking for an adaptable financing solution. Whether you need funds for unexpected expenses or want to consolidate debt, our credit lines provide convenience and peace of mind.

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 are here to guide you through the process and help you find a mortgage solution that fits your budget and lifestyle.

Refinancing Options

If you're considering refinancing any existing loans be it auto or mortgage we're here to assist you. Our team will work closely with you to explore eligibility options that could save you money and improve your financial situation. To learn more about our loan products or discuss your specific needs with one of our knowledgeable representatives, don't hesitate to reach out at (620) 342-0318. You can also visit us at 2332 Industrial Rd Emporia Ks 66801 or check out our website at www.esfcu.com. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Emporia State is committed to supporting our members every step of the way with clear information and dedicated service. Your journey towards better financial health starts here!

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. This option allows for greater spending flexibility while keeping your payments manageable.

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EMPORIA STATE FEDERAL CREDIT UNION - Emporia, KS

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