Overview / Commentary
13201 Granger Rd Ste 1
Garfield Hts, OH 44125

Emerald Credit Union is headquartered in GARFIELD HTS and is the 111th largest credit union in the state of Ohio. It is also the 2,564th largest credit union in the nation. It was established in 1955 and as of September of 2018, it had grown to 18 employees and 5,934 members at 2 locations. Emerald Credit Union's CD rates are 83% higher than the national average, and it has a C+ 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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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

NCUA #97077
Year Chartered1955
Primary Regulator
Profit Margin
Return on Assets - YTD-0.02%
Return on Equity - YTD-0.2%
Annual Interest Income$1.2MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$39.9MM$41.0MM
LoansQ3 2018vs Q3 2017$20.7MM$21.2MM
DepositsQ3 2018vs Q3 2017$34.6MM$36.5MM
Equity CapitalQ3 2018vs Q3 2017$4.0MM$4.1MM
Loan Loss AllowanceQ3 2018vs Q3 2017$250.00K$213.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$287.00K$204.00K
Real Estate OwnedQ3 2018vs Q3 2017$0$0
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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

0.05%$500-Regular Shares (Savings)
0.05%$50-Youth Share (Savings)
0.05%$1k-IRA Accumulator
0.05%$500-Christmas Club Account

Emerald Credit Union Money Market Rates

0.15%*$50k*-Money Market Account
OTHER TIERS: 0.10% $2k - $50k

Emerald Credit Union CD Rates

2.50%$1k-60 Month CD
2.25%$1k-48 Month CD
1.90%$1k-36 Month CD
1.75%$1k-24 Month CD
1.65%$1k-12 Month CD
1.65%$1k-18 Month CD
0.70%$1k-6 Month CD

Emerald Credit Union IRA Rates

2.50%$1k-60 Month IRA
2.25%$1k-48 Month IRA
1.90%$1k-36 Month IRA
1.75%$1k-24 Month IRA
1.65%$1k-12 Month IRA
1.65%$1k-18 Month IRA
0.70%$1k-6 Month IRA

Emerald Credit Union Locations
Branch Office13201 GRANGER RD STE 1GARFIELD HTS, OH 44125
Branch Office472 NORTHFIELD RDBEDFORD, OH 44146

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