Emerald Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
2.00%	1-year CD	12 Month CD 2.45% - Goldman Sachs Bank USA High-yield 12 Month CD
2.00%	5-year CD	60 Month CD 3.00% - Goldman Sachs Bank USA High-yield 5 Year CD
0.03%	Savings	Regular Shares (Savings) 1.75% - American Express National Bank High Yield Savings Account

View all Emerald Credit Union rates »

Overview / Commentary

www.emeraldgcu.com

216-581-5581

13201 Granger Rd Ste 1
Garfield Hts, OH 44125

Emerald Credit Union is headquartered in GARFIELD HTS and is the 109^th largest credit union in the state of Ohio. It is also the 2,532^nd largest credit union in the nation. It was established in 1955 and as of March of 2018, it had grown to 19 employees and 5,934 members at 2 locations. Emerald Credit Union's CD rates are 2X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Cuyahoga County.
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Health

B

Data as of Q1 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 Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	97077
Year Chartered	1955
Employees	19
Primary Regulator

Profit Margin
Return on Assets - YTD	0.23%
Return on Equity - YTD	2.25%
Annual Interest Income	$392.00K

Assets and Liabilities
Assets	Q1 2018vs Q1 2017	$41.5MM$42.8MM
Loans	Q1 2018vs Q1 2017	$20.9MM$21.4MM
Deposits	Q1 2018vs Q1 2017	$37.0MM$38.4MM
Equity Capital	Q1 2018vs Q1 2017	$4.1MM$4.1MM
Loan Loss Allowance	Q1 2018vs Q1 2017	$225.00K$214.00K
Unbacked Noncurrent Loans	Q1 2018vs Q1 2017	$211.00K$162.00K
Real Estate Owned	Q1 2018vs Q1 2017	$0$0

Rates

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Savings
Money Market
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Emerald Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.05%	$1k	-	IRA Accumulator
0.03%	$500	-	Regular Shares (Savings)
0.03%	$500	-	Club Account
0.03%	$50	-	Youth Share (Savings)
0.03%	$500	-	Christmas Club Account

Emerald Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%^*	$50k^*	-	Money Market Account
OTHER TIERS: 0.10% → $2k - $50k

Emerald Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.00%	$1k	-	12 Month CD
2.00%	$1k	-	60 Month CD
2.00%	$1k	-	12 Month Youth CD Special
1.80%	$1k	-	48 Month CD
1.75%	$1k	-	36 Month CD
1.60%	$1k	-	24 Month CD
1.50%	$1k	-	18 Month CD
0.45%	$1k	-	6 Month CD

Emerald Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.00%	$1k	-	12 Month IRA
2.00%	$1k	-	60 Month IRA
1.80%	$1k	-	48 Month IRA
1.75%	$1k	-	36 Month IRA
1.60%	$1k	-	24 Month IRA
1.50%	$1k	-	18 Month IRA
0.45%	$1k	-	6 Month IRA

Locations

Emerald Credit Union Locations
Branch Office	13201 GRANGER RD STE 1	GARFIELD HTS, OH 44125
Branch Office	472 NORTHFIELD RD	BEDFORD, OH 44146

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