2. Emerald Coast Federal Credit Union

Emerald Coast Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEHOW THEY COMPARE
0.15%1-year CD
2.55% - Goldman Sachs Bank USA High-yield 12 Month CDAdvertisement
0.05%Savings
1.90% - American Express National Bank High Yield Savings AccountAdvertisement
0.35%3-year CD
1.64% - National Average
View all Emerald Coast Federal Credit Union rates »

Overview / Commentary
www.emeraldcoastfcu.com
850-227-1156
502 Woodward Ave
Port St Joe, FL 32456-1744

Emerald Coast Federal Credit Union is headquartered in PORT ST JOE and is the 86th largest credit union in the state of Florida. It is also the 2,386th largest credit union in the nation. It was established in 1939 and as of June of 2018, it had grown to 19 employees and 5,237 members at 3 locations. Emerald Coast Federal Credit Union has a C health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, or attend school in, or have businesses and other legal entities in Gulf or Franklin County or the City of Mexico Beach.
See current membership details

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Health
C

Data as of Q2 2018

Learn why bank health matters
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Emerald Coast Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #3388
Year Chartered1939
Employees19
Primary Regulator
Profit Margin
Return on Assets - YTD0.77%
Return on Equity - YTD12.03%
Annual Interest Income$900.00K
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$48.2MM$48.1MM
LoansQ2 2018vs Q2 2017$26.2MM$24.9MM
DepositsQ2 2018vs Q2 2017$45.1MM$45.0MM
Equity CapitalQ2 2018vs Q2 2017$3.0MM$3.1MM
Loan Loss AllowanceQ2 2018vs Q2 2017$369.00K$322.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$473.00K$263.00K
Real Estate OwnedQ2 2018vs Q2 2017$13.00K$37.00K
Rates
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Emerald Coast Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$100-Regular Shares
0.05%--Christmas Club
0.05%--Special Accounts

Emerald Coast Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%$1k-36 Month Share Certificate
0.35%$1k-30 Month Share Certificate
0.25%$1k-24 Month Share Certificate
0.20%$1k-18 Month Share Certificate
0.15%$1k-12 Month Share Certificate
0.10%$1k-6 Month Share Certificate
0.05%$1k-91 Day Share Certificate

Emerald Coast Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%$250-36 Month IRA Certificate
0.35%$250-30 Month IRA Certificate
0.25%$250-24 Month IRA Certificate
0.20%$250-18 Month IRA Certificate
0.15%$250-12 Month IRA Certificate
0.10%$250-6 Month IRA Certificate
0.05%$250-91 Day IRA Certificate
Locations


Emerald Coast Federal Credit Union Locations
Branch Office502 WOODWARD AVEPORT ST JOE, FL 32456-1744
Branch Office101 E RIVER RDWEWAHITCHKA, FL 32465-4933
Branch Office282 US Highway 98Eastpoint, FL 32328

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