Emery FCU is a not-for-profit, member-owned financial institution. Unlike banks, thrifts, and finance companies who operate on a 'for profit' basis, we return excess earnings back to our members in the form of lower loan interest rates, higher yield savings and investment accounts, and low or no fee convenience services in addition to the friendly, unmatched member service provided. As a not-for profit financial cooperative, you have the assurance of knowing that your money is safe and secure because it is Federally Insured, through the National Credit Union Administration (NCUA). Loans are originated under the Financial Services Division of Emery Federal Credit Union.