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Every Account, Built for Those Who Serve
Firefighters, law enforcement, EMS and their families bank here. Whether you are opening your first account or planning for retirement, compare what each account pays, what it takes to open, and who it is built for.
Rates at a Glance
earns
0.05%
APY*
earns
0.25%
APY*
as high as
2.25%
APY*
as high as
3.25%
APY*
Choose Your Account
Compare Every Account
| Account | Minimum to Open | Dividend (APY) | Best For |
|---|---|---|---|
| Checking | $0 | 0.05% | Everyday spending, direct deposit and debit card |
| Savings | $25 | 0.25% | Your membership share and an emergency fund |
| IRA Shares | $5 | 0.50% | Retirement — Regular, Education or ROTH |
| Club Accounts | $25 | 0.25% | Saving toward Christmas or a vacation |
| Money Market | $5,000 | 0.90% – 2.25% | Larger balances that still need to stay liquid |
| Certificates of Deposit | $500 | 2.75% – 3.25% | Money you can set aside for 6 to 36 months |
Rates effective March 1, 2026 and subject to change. Money Market and Certificate rates vary by balance and term — see the full rate schedule for every tier. Fees may reduce earnings; penalties will be imposed for early withdrawal on certificate products.
Can I Join?
Membership is open to emergency responders and their families across North Carolina — fire, law enforcement, EMS, and the people who support them. Once you are a member, you stay a member.
Federally Insured by the NCUA
Not-for-Profit Financial Cooperative
Local Decision Making. Local Impact.
Proudly Supporting Those Who Serve
Not a member yet? Joining is easy.
You serve our community. Let us serve you. Call (336) 723-0619 or email info@emrspcu.com to open your ERCU account.
