No stored Google rating available.
EM Federal Credit Union is a member-owned credit union in Mesa, AZ offering auto loans, signature loans, and recreational vehicle financing with competitive rates.
Data compiled from public sources
EM Federal Credit Union is a federally-chartered credit union headquartered in Mesa, Arizona at 50 West Iron Ave. The institution operates as a member-owned, not-for-profit financial cooperative insured by the NCUA, with savings federally insured to at least $250,000. EM Federal Credit Union specializes in consumer lending across multiple vehicle categories.
They offer unsecured signature loans up to $5,500 for personal expenses like home improvements or vacations. 74% APR for up to 84 months. The credit union also finances motorcycles, ATVs, dirt bikes, travel trailers, RVs, and toy haulers.
Additionally, Empire employees are eligible for a line of credit up to $4,500 specifically for tool purchases through Empire Southwest Parts Department. EM Federal Credit Union distinguishes itself through competitive vehicle financing rates and membership benefits tied to specific employers, particularly Empire Southwest. The credit union maintains limited branch hours (Monday-Friday 11am-4pm) and provides member assistance through a dedicated phone line.
Their focus on recreational vehicle financing and listed lending products for member groups reflects a niche market approach rather than full-service banking. As a credit union, EM Federal offers the advantages of member ownership and not-for-profit operation, typically resulting in lower loan rates and fewer fees than traditional banks. However, the website provides minimal information about savings products, membership requirements, or other services beyond lending.
The limited hours of operation and single physical location may present accessibility challenges for some potential members. The company's marketing emphasizes vehicle financing heavily, suggesting this is their core business focus.
This is state-level context for Credit Unions consumers in Mesa, AZ. It does not confirm that Em or this specific location is licensed.
State regulator
Arizona Department of Insurance and Financial Institutions
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Em offers 11 services including New and used car financing with rates from 4.49% APR, Unsecured signature loans up to $5,500 for personal purchases or home improvements, Motorcycle and dirt bike financing, ATV/UTV financing, Travel trailer and RV financing, and 6 more.
Em has profile signals associated with Vehicle buyers (new/used cars, motorcycles, RVs) seeking competitive auto loan rates, Empire Southwest employees needing listed tool purchase financing, Arizona residents seeking membership in a member-owned credit union, Borrowers with good credit seeking unsecured personal loans up to $5,500.
Key strengths: Competitive auto loan rates starting as low as 4.49% APR for up to 72 months; Member-owned credit union structure typically provides lower fees and rates than traditional banks; NCUA-insured savings up to at least $250,000. Areas to consider: Limited hours of operation (Monday-Friday 11am-4pm only) restrict member access; Single physical location in Mesa, Arizona limits convenience for non-local members.
In the Credit Unions category, comparable providers include Aero, Arizona Financial, Banner. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
EM Federal Credit Union is profile signals for vehicle buyers in the Mesa, Arizona area seeking competitive auto loan rates and members of eligible employer groups. The main caveat is that the credit union operates with very limited hours (11am-4pm weekdays only) and maintains a single location, making it primarily suitable for local members or those able to conduct most banking by phone.
Aero Federal Credit Union (DBA AERO Financial) is a federally insured credit union offering auto loans, mortgages, home equity loans, and mobile banking to members in Arizona and Wisconsin.
Profile signals: Members in Arizona or Wisconsin seeking competitive auto refinancing, Homebuyers with conventional loans, 20%+ down payment, and strong credit profiles
Arizona Financial Credit Union is a member-owned, not-for-profit financial institution serving Arizona families and small businesses since 1936, offering mortgages, auto loans, business services, and credit-building products.
Profile signals: Arizona families seeking home purchase or refinance mortgages with local, community-focused service, First-time car buyers interested in member-exclusive auto loan rates and car-buying assistance
Banner Federal Credit Union is a member-owned financial institution serving Banner Health employees and families with competitive loan rates, savings accounts, and digital banking services.
Profile signals: Banner Health employees seeking employer-affiliated banking with rate claims to verify and member governance, Families of Banner Health workers looking to consolidate banking with a reported credit union
Answer 3 quick questions to review category, service, and profile context.
1. What's your primary financial goal?
A plain-English breakdown of every credit score range — what each number actually means for your loans, cards, and daily life, plus exactly what to do about yours.
Read guide →A plain-English breakdown of what credit products, loans, and cards you can realistically get at every credit score level — from deep subprime to excellent.
Read guide →Learn exactly how to check your credit score for free using legitimate sources, understand the difference between soft and hard inquiries, and know your rights under federal law.
Read guide →Affiliate Disclosure: CreditDoc may earn a commission when you click links to Em and other services. These commissions help us maintain our free research. Compensation does not determine whether a provider can be covered; visible star ratings use stored Google review ratings when available. Learn more.