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Emergency Responders Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
emrspcu.com
336-723-0619
1777 Link Rd
Winston Salem, NC 27103

Emergency Responders Credit Union is headquartered in Winston Salem and is the 45th largest credit union in the state of North Carolina. It is also the 2,917th largest credit union in the nation. It was established in 1940 and as of March of 2025, it had grown to 7 employees and 3,310 members at 1 location. Emergency Responders Credit Union's CD rates are 4X the national average, and it has a B health rating.

Field of Membership Restrictions

Emergency Responders Credit Union of North Carolina is open to 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.
See current membership details

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Health
B

Data as of Q1 2025

Learn why bank health matters
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 Chartered1940
Employees7
Primary Regulator
Profit Margin
Return on Assets - YTD-0.18%
Return on Equity - YTD-1.63%
Annual Interest Income$410K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$29.5MM$29.9MM
LoansQ1 2025vs Q1 2024$23MM$25.9MM
DepositsQ1 2025vs Q1 2024$26.1MM$25.3MM
Equity CapitalQ1 2025vs Q1 2024$3.2MM$3.3MM
Loan Loss AllowanceQ1 2025vs Q1 2024$97K$113K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$631K$808K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$25-Regular Shares
0.25%$25-Christmas Club
0.25%$25-Special Shares
0.25%$1-Family Savings
0.25%$25-Vacation Club Account

Emergency Responders Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%*$50k*-Money Market
OTHER TIERS: 1.00% → $5k - $50k

Emergency Responders Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$0-Checking Accounts

Emergency Responders Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$30k-12 Month JUMBO CD
3.00%$500$30k12 Month CD
2.00%$500-6 Month CD

Emergency Responders Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$5-IRA Shares
Locations


Emergency Responders Credit Union Locations
Branch Office1777 Link RdWinston Salem, NC 27103-4625

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