Emerald Credit Union

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

Emerald Credit Union is headquartered in GARFIELD HTS and is the 115th largest credit union in the state of Ohio. It is also the 2,634th largest credit union in the nation. It was established in 1955 and as of September of 2019, it had grown to 17 employees and 5,588 members at 1 location. Emerald Credit Union's CD rates are 50% higher than the national average, but 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.
See current membership details


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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-1.08%
Return on Equity - YTD-11.39%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$37.1MM$39.9MM
LoansQ3 2019vs Q3 2018$18.8MM$20.7MM
DepositsQ3 2019vs Q3 2018$33.1MM$34.6MM
Equity CapitalQ3 2019vs Q3 2018$3.6MM$4.0MM
Loan Loss AllowanceQ3 2019vs Q3 2018$414.00K$250.00K
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$558.00K$287.00K
Real Estate OwnedQ3 2019vs Q3 2018$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

0.10%$1k-IRA Accumulator
0.05%$500-Regular Shares (Savings)
0.05%$50-Youth Share (Savings)
0.05%$500-Christmas Club Account
0.05%$500-Special Savings Account

Emerald Credit Union Money Market Rates

0.25%*$50k*-Money Market Account
OTHER TIERS: 0.20% $2k - $50k

Emerald Credit Union CD Rates

1.90%$1k-60 Month CD
1.75%$1k-48 Month CD
1.65%$1k-36 Month CD
1.55%$1k-24 Month CD
1.45%$1k-18 Month CD
1.35%$1k-12 Month CD
0.75%$1k-6 Month CD

Emerald Credit Union IRA Rates

1.90%$1k-60 Month IRA
1.75%$1k-48 Month IRA
1.65%$1k-36 Month IRA
1.55%$1k-24 Month IRA
1.45%$1k-18 Month IRA
1.35%$1k-12 Month IRA
0.75%$1k-6 Month IRA

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

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