Credit union · NCUA insured
Emergency Responders Credit Union
A $29.9M credit union headquartered in Winston-Salem, NC, with 3,380 members and 1 branch in North Carolina. Best rates: CDs 3.25% and savings 1.15% APY.
Emergency Responders Credit Union Carrot Score
86
Carrot Score
Higher than 73% of U.S. banks and credit unions
#9 of 24 in Winston-Salem, NC metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Emergency Responders Credit Union
Emergency Responders Credit Union is a not-for-profit financial cooperative based in Winston-Salem, North Carolina.
- Headquarters
- 1777 Link Rd, Winston-Salem, NC 27103-4625
- NCUA charter
- 66354
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Emergency Responders Credit Union are eligible for membership.
Military, government and schools
- Employees and volunteers of Emergency First Responder Agencies (fire service, emergency medical service, emergency management, law enforcement, and hazardous materials) in North Carolina are eligible for membership.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, including step and adoptive relations) and household members living in the same residence maintaining a single economic unit of a credit union member are eligible for membership.
Other ways
- Organizations composed primarily of persons within the field of membership of Emergency Responders Credit Union are eligible for membership.
- Retirees of eligible first responder groups and Emergency Responders Credit Union are eligible for membership.
Cost to join
- Establishing membership requires purchasing one credit union share with a $25.00 refundable deposit to a share (savings) account.
Branches
1 branch in North Carolina
Loading map…
North Carolina
1 branch
- Emergency Responders Credit UnionMain office1777 Link Rd, Winston-Salem, NC 27103Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.12% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.84% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.76% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $87 | $59 | — |
- CapitalNet worth ratio8.12%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.84%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.76%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$87Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Emergency Responders Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.