Overview / Commentary
216-581-5581
13201 Granger Rd Ste 1
Garfield Hts, OH 44125

Emerald Credit Union is headquartered in GARFIELD HTS and is the 109th largest credit union in the state of Ohio. It is also the 2,532nd 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
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
Employees19
Primary Regulator
Profit Margin
Return on Assets - YTD0.23%
Return on Equity - YTD2.25%
Annual Interest Income$392.00K
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$41.5MM$42.8MM
LoansQ1 2018vs Q1 2017$20.9MM$21.4MM
DepositsQ1 2018vs Q1 2017$37.0MM$38.4MM
Equity CapitalQ1 2018vs Q1 2017$4.1MM$4.1MM
Loan Loss AllowanceQ1 2018vs Q1 2017$225.00K$214.00K
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$211.00K$162.00K
Real Estate OwnedQ1 2018vs Q1 2017$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

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

Emerald Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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 Office13201 GRANGER RD STE 1GARFIELD HTS, OH 44125
Branch Office472 NORTHFIELD RDBEDFORD, OH 44146

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