Emerald Credit Association FCU

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12 Month CD

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1.40% APY

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1.15% APY

Overview / Commentary

www.emeraldcu.com

864-223-9135

2117 Kateway
Greenwood, SC 29646

Emerald Credit Association FCU is headquartered in Greenwood and is the 54^th largest credit union in the state of South Carolina. It is also the 4,626^th largest credit union in the nation. It was established in 1968 and as of March of 2017, it had grown to 4 employees and 1,306 members at 1 location. Emerald Credit Association FCU has a B health rating.

Field of Membership Restrictions

Membership in Emerald Credit Association Federal Credit Union is open to those who live, work, attend school or worship in Greenwood County, South Carolina.
See current membership details

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Health

B

Data as of Q1 2017

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 Credit Association FCU has a very low asset base.

Health Grade Components

Overall
NCUA #	19047
Year Chartered	1968
Employees	4
Primary Regulator

Profit Margin
Return on Assets - YTD	0.19%
Return on Equity - YTD	2.12%
Annual Interest Income	$64.00K

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$6.5MM$6.3MM
Loans	Q1 2017vs Q1 2016	$3.9MM$4.1MM
Deposits	Q1 2017vs Q1 2016	$5.9MM$5.7MM
Equity Capital	Q1 2017vs Q1 2016	$567.00K$538.00K
Loan Loss Allowance	Q1 2017vs Q1 2016	$21.00K$20.00K
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$5.00K$0
Real Estate Owned	Q1 2017vs Q1 2016	$0$0

Rates

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Emerald Credit Association FCU Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%	$100	-	Share Savings Account
0.10%	$100	-	Vacation Club Account
0.10%	$100	-	Christmas Club Account

Emerald Credit Association FCU Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	-	-	Checking Account

Locations

Emerald Credit Association FCU Locations
Branch Office	2117 Kateway	Greenwood, SC 29646