Featured Savings Rates
Featured Accounts

Emerald Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.35%5-year CD60 Month CD
0.40%1-year CD12 Month CD
0.03%SavingsRegular Shares (Savings)

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 102nd largest credit union in the state of Ohio. It is also the 2,468th largest credit union in the nation. It was established in 1955 and as of December of 2016, it had grown to 15 employees and 5,919 members at 2 locations. Emerald Credit Union 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
Employees15
Primary Regulator
Profit Margin
Return on Assets - YTD0.42%
Return on Equity - YTD4.59%
Annual Interest Income$1.4MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$43.6MM$43.4MM
LoansQ4 2016vs Q4 2015$22.3MM$27.1MM
DepositsQ4 2016vs Q4 2015$39.2MM$39.3MM
Equity CapitalQ4 2016vs Q4 2015$4.0MM$3.7MM
Loan Loss AllowanceQ4 2016vs Q4 2015$298.00K$310.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$250.00K$117.00K
Real Estate OwnedQ4 2016vs Q4 2015$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)

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
1.35%$1k-60 Month CD
1.00%$1k-48 Month CD
0.70%$1k-36 Month CD
0.60%$1k-24 Month CD
0.45%$1k-18 Month CD
0.40%$1k-12 Month CD
0.25%$1k-6 Month CD

Emerald Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.35%$1k-60 Month IRA
1.00%$1k-48 Month IRA
0.70%$1k-36 Month IRA
0.60%$1k-24 Month IRA
0.45%$1k-18 Month IRA
0.40%$1k-12 Month IRA
0.25%$1k-6 Month IRA
Locations


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