Top Ten Frequently Asked Questions (FAQs)

How do I become a member?
Anyone who is an employee of Empire Machinery, Empire Southwest and its direct subsidiaries may join E.M. Federal Credit Union. Immediate family members of a current E.M. Federal Credit Union member are also eligible to join.

What are the benefits of membership?

• Personalized Service
• Lifetime Membership
• Family Membership Privileges
• Low rates and flexible Auto, Recreational Vehicle & Personal Loans

What are the current loan rates?

The current rates are:
Autos
New Cars
Rates as low as 6.50%

Used Cars
Five years old and newer - Rates as low as 6.50%
Six years old and older - Rates as low as 7.25 %

Motorcycle, Quads, Dirt Bikes
Rates as low as 10%

Financial Services
Payday loans up to $500.00
0% Interest, 10% Loan Application Fee (up to $25.00)

Travel Trailers, RV's, Toy Haulers
Rates as low as 7.5%

Where are we located?
Main Branch
50 West Iron Ave.
Mesa, AZ 85210
Main Number: (480) 633-4435
Fax: (480) 633-4612

Hours
Monday - Friday 8:00 AM to 5:00 PM
Closed - Saturday and Sunday

P.O. Box Mailing Address
P.O. Box 2985
Phoenix, AZ 85062

Website www.emfederalcreditunion.org
Click here for a map

How do I make a loan payment?

• Sign up for payroll deduction or automatic payment. This allows your payments to be automatically deducted from your paycheck on a regular basis. You will never have to worry about late payments again.

• By Mail - simply mail your check in along with your payment coupon.

Do you have any discount auto buying programs?

Your one-stop-auto shopping source is the Member Auto Fleet Connection. You can purchase any new or used car or truck at fleet prices. It’s hassle free and easy. Visit www.neworusedcars.com and find out how you can take advantage of this great member program.