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Emerald Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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 126th largest credit union in the state of Ohio. It is also the 2,777th largest credit union in the nation. It was established in 1955 and as of March of 2025, it had grown to 13 employees and 3,557 members at 1 location. Emerald Credit Union has a B health rating.

Field of Membership Restrictions

Membership in Emerald Credit Union is open to those who live, work, attend school, or worship in Cuyahoga County, Ohio.
See current membership details

Reviews (3)

Jill Kiggins

Posted by: |

Jill Kiggins has shown nothing short of 5 star seervice. She imaintains a professional style of work at all times. She is genuine and always willing to help in any way she can. Excellent customer service.

2

Jill Kiggins

Posted by: |

Have not bought a new vehicle in 20 plus years, went with emerald credit union which I have been a member for over 35 yrs, Ms.Jill Kiggins helped me finish the loan and send me off with all the paperwork that I needed to complete my purchase. This transaction went smoothly and quickly for which I am grateful. Thank You for all your help, Ben

2

Garfield Office

Posted by: |

Jill was very helpful . Very caring, polite, person to help me in the garlfield hts branch . Always smiling hard worker who goes out of way to satisfy the customer. I would recommend the emerald credit to all our friends & families . Jill and all the staff are all wonderful staff and deserve to be recognized

2


Health
B

Data as of Q1 2025

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 Chartered1955
Employees13
Primary Regulator
Profit Margin
Return on Assets - YTD-0.34%
Return on Equity - YTD-3.61%
Annual Interest Income$362K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$34.5MM$34.7MM
LoansQ1 2025vs Q1 2024$19.9MM$20.7MM
DepositsQ1 2025vs Q1 2024$30.5MM$30.8MM
Equity CapitalQ1 2025vs Q1 2024$3.3MM$3.3MM
Loan Loss AllowanceQ1 2025vs Q1 2024$440K$395K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$286K$141K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates

Rates for Emerald Credit Union are currently being reviewed.

Locations


Emerald Credit Union Locations
Branch Office13201 GRANGER RD STE 1GARFIELD HTS, OH 44125

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