--- title: "Emergency Responders Credit Union Rates (Nov 2026): CDs to 3.20%" description: "Emergency Responders Credit Union rates today: savings & CDs up to 3.20% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Emergency Responders Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/north-carolina/emergency-responders" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Emergency Responders Credit Union Rates (Nov 2026): CDs to 3.20% ### Auto & vehicle rates 2 offers | Product | Published | Rate | Term / condition | Status | | **84-Month Used Auto Loan (2016–2025)** auto_used_84mo | — APR | 4.500% | 84 mo · used | Standard | | **Marine / RV / ATV / UTV** boat_any_120mo | — APR | 6.500% | 120 mo | Standard | Emergency Responders Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Home Equity Loan** heloc | — APR | 6.750% | — | Standard | Emergency Responders Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **60-Month Personal Loan** personal_unsecured_60mo | — APR | 8.000% | 60 mo | Standard | | **Christmas Loan** personal_unsecured_12mo | — APR | 15.000% | 12 mo | Standard | | **Rapid Relief / Just Cause** personal_unsecured_6mo | — APR | 15.000% | 6 mo | Standard | Emergency Responders Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 9 offers | Product | Published | Rate | Term / condition | Status | | **Money Market** money_market | 1.15% APY | 1.15% | — | Standard | | **Money Market** money_market | 1.55% APY | 1.55% | — | Standard | | **Money Market** money_market | 1.95% APY | 1.95% | — | Standard | | **Money Market** money_market | 2.25% APY | 2.25% | — | Standard | | **36-Month Certificate** cd_36mo | 2.75% APY | 2.75% | 36 mo | Standard | | **24-Month Certificate** cd_24mo | 2.95% APY | 2.95% | 24 mo | Standard | | **18-Month Certificate** cd_18mo | 3.00% APY | 3.00% | 18 mo | Standard | | **12-Month Certificate** cd_12mo | 3.10% APY | 3.10% | 12 mo | Standard | | **9-Month Certificate** cd_9mo | 3.20% APY | 3.20% | 9 mo | Standard | Emergency Responders Credit Union savings & cd rates as of November 12, 2026 ### Equipment loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Equipment Loan** equipment_48mo | — APR | 8.250% | — | Standard | Emergency Responders Credit Union equipment loan rates as of November 12, 2026 Savings and certificate yields up to 3.20% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/north-carolina/emergency-responders) , verified from [Emergency Responders Credit Union's official website](https://www.emrspcu.com/) Loading branch locator… ## About Emergency Responders Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 3.4K Assets $29.9M Founded 1940 Locations reported 3 NCUA charter 66354 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Student scholarships 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. [**Piedmont Advantage Credit Union** Advantage Way · Winston Salem · NC · 27103 Branch in the same ZIP](https://rateapi.dev/credit-unions/north-carolina/piedmont-advantage-credit-union) [**Members** Members Credit Union - Main · Winston Salem · NC · 27103-5779 About 0.8 miles away](https://rateapi.dev/credit-unions/north-carolina/members) [**Allegacy** Westbrook · Winston Salem · NC · 27103-2993 About 1.2 miles away](https://rateapi.dev/credit-unions/north-carolina/allegacy) [**Latino Community** Winston-Salem branch · Winston Salem · NC · 27103-3037 About 1.4 miles away](https://rateapi.dev/credit-unions/north-carolina/latino-community) [**Truliant** Corporate Office & Branch Office · Winston Salem · NC · 27103 About 1.5 miles away](https://rateapi.dev/credit-unions/north-carolina/truliant) [**Summit** Summit Credit Union · Winston Salem · NC · 27103-3217 About 2.0 miles away](https://rateapi.dev/credit-unions/north-carolina/summit) 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 Emergency Responders Credit Union Membership eligibility from Emergency Responders Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Emergency Responders Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Emergency First Responder Agencies - Association Organizations of such persons Verified from [Emergency Responders Credit Union's membership page](https://www.emrspcu.com/membership-eligibility/) . Final membership determination is always made by the credit union. ## Membership rules for Emergency Responders Credit Union Employers 3 · Associations · Family 2 6 published paths to membership, last verified August 21, 2026, quoted from Emergency Responders Credit Union’s own published criteria. ### Employers 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of Emergency First Responder Agencies “Employees and volunteers of Emergency First Responder Agencies as defined by the Homeland Security Presidential Directive (fire service, emergency medical service, emergency management, law enforcement, and hazardous materials) in the State of North Carolina” > [source ↗](https://www.emrspcu.com/membership-eligibility/) - Employee of Emergency First Responder Agencies - Employee of Emergency Responders Credit Union “Emergency Responders Credit Union employees” > [source ↗](https://www.emrspcu.com/membership-eligibility/) - Employee of Emergency Responders Credit Union - Retired employee of Emergency First Responder Agencies “retirees of said groups” > [source ↗](https://www.emrspcu.com/membership-eligibility/) - Retiree of Emergency First Responder Agencies ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Organizations of such persons “organizations predominantly of such persons.” > [source ↗](https://www.emrspcu.com/membership-eligibility/) - Member of Organizations of such persons ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member spouse, child, sibling, parent, grandparent, grandchild, stepparents, stepchildren, step-siblings “members of each groups immediate family” > [source ↗](https://www.emrspcu.com/membership-eligibility/) - Family member (spouse, child, sibling, parent, grandparent, grandchild, stepparents, stepchildren, step-siblings) of a member - Family of a member household member “Household is defined as persons living in the same residence maintaining a single economic unit.” > [source ↗](https://www.emrspcu.com/membership-eligibility/) - Family member (household member) 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 Emergency Responders Credit Union? Yes No ## Work at Emergency Responders 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 Emergency Responders Credit Union ranks against North Carolina peers. - See which AI assistants fetched Emergency Responders Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in North Carolina - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=emergency-responders&state=north-carolina&code=NC&name=Emergency%20Responders%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Emergency Responders Credit Union offer? Emergency Responders Credit Union currently offers vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Emergency Responders Credit Union rates updated? RateAPI verifies Emergency Responders 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 Emergency Responders Credit Union's rate data? Rate data is collected directly from Emergency Responders Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Emergency Responders Credit Union's best CD rate? As of November 12, 2026, Emergency Responders Credit Union offers savings and certificate (CD) yields up to 3.20% APY. ### Who can join Emergency Responders Credit Union? Emergency Responders Credit Union publishes its membership criteria on its own website. RateAPI tracks 6 published membership paths covering 3 employers and 1 association for Emergency Responders Credit Union, each quoted from Emergency Responders Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Emergency Responders Credit Union's rates against national credit-union benchmarks. [More North Carolina credit unions](https://rateapi.dev/credit-unions/north-carolina) [North Carolina auto loan rate leaders](https://rateapi.dev/auto-loan-rates/north-carolina) [North Carolina HELOC rate leaders](https://rateapi.dev/heloc-rates/north-carolina) [North Carolina personal loan leaders](https://rateapi.dev/personal-loan-rates/north-carolina) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [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.emrspcu.com/) ### 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 Emergency Responders Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when North Carolina 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 Emergency Responders Credit Union curl "https://api.rateapi.dev/credit-unions/north-carolina /emergency-responders " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Emergency Responders Credit Union locations Search, filter, and browse all 3 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/north-carolina/emergency-responders Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp