Credit union · NCUA insured
Emergency Responders Credit Union Savings Rates
Emergency Responders Credit Union’s best savings rate is 1.15% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How Emergency Responders Credit Union’s savings rates compare
Compared with banks and credit unions near Winston-Salem, NC, where Emergency Responders Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Emergency Responders Credit Union
1.15%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $115
Money Market
Top rate
American Pride Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $500
2nd-highest rate
Truliant Federal Credit Union
3.40%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $340
Emergency Responders Credit Union savings score
86
Savings score
Higher than 75% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0001.15%
- $100,000 balance$100,0001.95%
- QualifiedQualified1.15%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Emergency Responders Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market
1.15%APY
Membership is open to emergency responders and their families across North Carolina. Dividends are paid and compounded monthly. Account may not be pledged for collateral.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $4,999 | 0.90% | — | |
| $5,000 – $24,999 | 1.15% | $115 | |
| $25,000 – $49,999 | 1.55% | — | |
| $50,000 – $100,000 | 1.95% | — | |
| Over $100,000Tier applies to balances OVER 100,000. | 2.25% | — | Tier applies to balances OVER 100,000. |
Sources (3)
All captured Oct 22, 2026
Family Savings
0.25%APY
Designed to assist parents, grandparents, or family members to save for a child's college costs. Matures on July 1st of the year that the member graduates from high school. Dividends paid and compounded yearly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are paid and compounded yearly.Any balance | 0.25% | $25 | Dividends are paid and compounded yearly. |
Savings
0.25%APY
Available to emergency responders and their families across North Carolina. Serves as membership share in the credit union.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Sources (3)
All captured Oct 4, 2026
Special Shares
0.25%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Sources (1)
- emrspcu.com/rates · captured Oct 4, 2026
Special-purpose accounts
IRA Shares
0.50%APY
Regular, Education, and ROTH options for retirement. Available to first responders and their families across North Carolina. Dividends paid and compounded monthly. IRS rules apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are paid and compounded monthly.Any balance | 0.50% | $50 | Dividends are paid and compounded monthly. |
Club Accounts
0.25%APY
Christmas and Vacation Clubs that mature when you need the money. Christmas Club matures November 1st; Vacation Club matures June 1st. Dividends paid and compounded monthly. At maturity, balance is mailed or transferred to ERCU checking or savings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid and compounded monthly.Any balance | 0.25% | $25 | Dividends paid and compounded monthly. |
Sources (3)
All captured Oct 4, 2026
Who can join Emergency Responders Credit Union
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.
Membership information collected October 4, 2026.