Emergency Responders Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
0.50%	1-year CD	12 Month CD 1.05% - Ally Bank High Yield 12-Month CD
0.25%	Savings	Special Shares 1.00% - Ally Bank Online Savings Account
0.65%	Money Market	Money Market 0.85% - Ally Bank Money Market Account

View all Emergency Responders Credit Union rates »

Overview / Commentary

www.emrspcu.com

336-723-0619

1777 Link Rd
Winston Salem, NC 27103-4625

Emergency Responders Credit Union is headquartered in Winston Salem and is the 57^th largest credit union in the state of North Carolina. It is also the 3,449^th largest credit union in the nation. It was established in 1940 and as of June of 2016, it had grown to 5 employees and 2,540 members at 1 location. Emergency Responders Credit Union's money market rates are 48% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Emergency Responders Credit Union of North Carolina is open to the current and retired firefighters and service personnel, emergency medical service and rescue personnel, emergency management agencies, all branches and levels of law enforcement, hazardous material employees, and/or the volunteers that are associated with these particular agencies in North Carolina State and their family members, along with the employees of the credit union and their families as well as member affiliated organizations.
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Health

B+

Data as of Q2 2016

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Emergency Responders Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	66354
Year Chartered	1940
Employees	5
Primary Regulator

Profit Margin
Return on Assets - YTD	0.76%
Return on Equity - YTD	6.32%
Annual Interest Income	$361.00K

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$19.9MM$18.4MM
Loans	Q2 2016vs Q2 2015	$14.6MM$13.1MM
Deposits	Q2 2016vs Q2 2015	$17.4MM$16.0MM
Equity Capital	Q2 2016vs Q2 2015	$2.3MM$2.2MM
Loan Loss Allowance	Q2 2016vs Q2 2015	$79.00K$90.00K
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$145.00K$285.00K
Real Estate Owned	Q2 2016vs Q2 2015	$0$13.00K

Rates

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Emergency Responders Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.25%	-	-	IRA Shares
0.30%	-	-	Family Savings
0.25%	$25	-	Regular Shares
0.25%	$25	-	Christmas Club
0.25%	$25	-	Special Shares

Emergency Responders Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.65%^*	$50k^*	-	Money Market
OTHER TIERS: 0.45% → $5k - $50k

Emergency Responders Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%	$500	-	12 Month CD
0.25%	$500	-	6 Month CD

Locations

Emergency Responders Credit Union Locations
Branch Office	1777 Link Rd	Winston Salem, NC 27103-4625