--- title: "Electric Machinery Employees Credit Union Rates - Minnesota" description: "Current vehicle loan, personal loan, credit card, and savings & cd rates from Electric Machinery Employees Credit Union in Minnesota. Updated daily with source verification. See who can join Electric Machinery Employees Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/minnesota/electric-machinery-employees" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Electric Machinery Employees Credit Union Rates - Minnesota ### Auto & vehicle rates 11 offers | Product | Published | Rate | Term / condition | Status | | **New auto, truck, and motorcycle, as low as** motorcycle_new_48mo | — APR | 4.990% | 48 mo · new | Standard | | **Used auto, truck, and motorcycle, as low as** motorcycle_used_48mo | — APR | 5.190% | 48 mo · used | Standard | | **New auto, truck, and motorcycle, as low as** motorcycle_new_72mo | — APR | 5.290% | 72 mo · new | Standard | | **Used auto, truck, and motorcycle, as low as** motorcycle_used_60mo | — APR | 5.290% | 60 mo · used | Standard | | **Used auto, truck, and motorcycle, as low as** motorcycle_used_72mo | — APR | 5.590% | 72 mo · used | Standard | | **New Recreational Vehicles, as low as** rv_new_180mo | — APR | 5.790% | 180 mo · new | Standard | | **New boats, as low as** boat_new_84mo | — APR | 5.790% | 84 mo · new | Standard | | **Used Recreational Vehicles, as low as** rv_used_180mo | — APR | 6.290% | 180 mo · used | Standard | | **Used boats, as low as** boat_used_84mo | — APR | 6.290% | 84 mo · used | Standard | | **New snowmobile, ATVs, as low as** powersports_new_84mo | — APR | 6.290% | 84 mo · new | Standard | | **Used snowmobile, ATVs, as low as** powersports_used_60mo | — APR | 6.990% | 60 mo · used | Standard | Electric Machinery Employees Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Unsecured (signature),as low as** personal_unsecured | — APR | 9.490% | — | Standard | Electric Machinery Employees Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | — APR | 12.750% | — | Standard | Electric Machinery Employees Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 1 offer | Product | Published | Rate | Term / condition | Status | | **60-Month Certificate** cd_60mo | — APY | 5.39% | 60 mo | Standard | Electric Machinery Employees Credit Union savings & cd rates as of November 12, 2026 ### Other rates 2 offers | Product | Published | Rate | Term / condition | Status | | **UP to 80%** other | — % | 5.390% | — | Standard | | **Up to 85%** other | — % | 5.890% | — | Standard | Electric Machinery Employees Credit Union other rates as of November 12, 2026 Electric Machinery Employees Credit Union is a credit union in Minnesota. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/minnesota/electric-machinery-employees) , verified from [Electric Machinery Employees Credit Union's official website](https://www.emcu.org/) Loading branch locator… ## About Electric Machinery Employees Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 748 Assets $8.6M Founded 1946 Locations reported 1 NCUA charter 63988 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Electronic statements - Mobile check deposit Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Trustone Financial** Northeast Minneapolis · Minneapolis · MN · 55413-2732 About 0.7 miles away](https://rateapi.dev/credit-unions/minnesota/trustone-financial) [**Ent** Minneapolis - Rand Tower · Minneapolis · MN · 55402 About 1.9 miles away](https://rateapi.dev/credit-unions/colorado/ent) [**Affinity Plus** Minneapolis - University · Minneapolis · MN · 55414 About 2.0 miles away](https://rateapi.dev/credit-unions/minnesota/affinity-plus) [**Transit Operations** MAIN · MINNEAPOLIS · MN · 55411 About 2.2 miles away](https://rateapi.dev/credit-unions/minnesota/transit-operations) [**Baxter** Plaza South · Minneapolis · MN · 55403 About 2.2 miles away](https://rateapi.dev/credit-unions/illinois/baxter) [**Blaze** Minneapolis North · Minneapolis · MN · 55414 About 2.5 miles away](https://rateapi.dev/credit-unions/minnesota/blaze) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Electric Machinery Employees Credit Union Membership eligibility from Electric Machinery Employees Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Electric Machinery Employees Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Electric Machinery Verified from [Electric Machinery Employees Credit Union's membership page](https://www.emcu.org/about) . Final membership determination is always made by the credit union. ## Membership rules for Electric Machinery Employees Credit Union Employers · Family 2 published paths to membership, last verified August 27, 2026, quoted from Electric Machinery Employees Credit Union’s own published criteria. ### Employers 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of Electric Machinery “Electric Machinery Employees Credit Union” > [source ↗](https://www.emcu.org/) - Employee of Electric Machinery ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member spouse, relative “You are a spouse or relative of a current member.” > [source ↗](https://www.emcu.org/about) - Family member (spouse, relative) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Electric Machinery Employees Credit Union? Yes No ## Work at Electric Machinery Employees Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Electric Machinery Employees Credit Union ranks against Minnesota peers. - See which AI assistants fetched Electric Machinery Employees Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Minnesota - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=electric-machinery-employees&state=minnesota&code=MN&name=Electric%20Machinery%20Employees%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Electric Machinery Employees Credit Union offer? Electric Machinery Employees Credit Union currently offers vehicle loan, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Electric Machinery Employees Credit Union rates updated? RateAPI verifies Electric Machinery Employees Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Electric Machinery Employees Credit Union's rate data? Rate data is collected directly from Electric Machinery Employees Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Electric Machinery Employees Credit Union? Electric Machinery Employees Credit Union publishes its membership criteria on its own website. RateAPI tracks 2 published membership paths covering 1 employer for Electric Machinery Employees Credit Union, each quoted from Electric Machinery Employees Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Electric Machinery Employees Credit Union's rates against national credit-union benchmarks. [More Minnesota credit unions](https://rateapi.dev/credit-unions/minnesota) [Minnesota auto loan rate leaders](https://rateapi.dev/auto-loan-rates/minnesota) [Minnesota personal loan leaders](https://rateapi.dev/personal-loan-rates/minnesota) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.emcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Electric Machinery Employees Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Minnesota credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Electric Machinery Employees Credit Union curl "https://api.rateapi.dev/credit-unions/minnesota /electric-machinery-employees " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Electric Machinery Employees Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/minnesota/electric-machinery-employees Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp