Emerald Credit Association Federal Credit Union
Headquarters
2117 Kateway
Greenwood, SC 29646
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2024 Overview
General Credit Union Information
Emerald Credit Association is an NCUA insured institution located in Greenwood, SC. It was founded in 1968 and has approximately $9.06 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 19047 |
| Date Established | 1968 |
| Assets | $9.06 million |
| Loans | $7.25 million |
| Deposits | $8.22 million |
| Capital | $0.77 million |
Deposit Rates - November 14, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.20% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.20% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.40% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.45% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.45% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.30% | $1 | $499 | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.02% | $2,500 | $3,499 | Learn More |
Loan Rates - November 14, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Emerald Credit Association
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 2578474 |
6.494% | 6.375% | 0.88 | $4,010 | $1,997 | Learn More |
NMLS ID: 1025894 |
6.865% | 6.750% | 1.00 | $3,775 | $2,076 | Learn More |
NMLS ID: 3030 |
7.225% | 7.125% | 1.00 | $3,200 | $2,156 | Learn More |
NMLS ID: 491986 |
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Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Achieve Loans See Table |
Intro APR 9.250 % After Intro: 9.250 % |
$0 |
Learn More
More Info |
Note to Emerald Credit Association
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Branches
Below are Emerald Credit Association branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Emerald Credit Association Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 400.39 | A | View Lobby Hours |
Climate Policy and Initiatives
EMERALD CREDIT ASSOCIATION is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Emerald Credit Association Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Emerald Credit Association. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Emerald Credit Association | U.S. Average |
|---|---|
| 17.15% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Emerald Credit Association had $127,865 in non-current loans and $10,171 in owned assets. To cover these potential losses it had $766,904 in net worth and $37,788 in loans loss reserves. That gives it a Texas Ratio of 17.15%.
Net Worth
| Emerald Credit Association | U.S. Average |
|---|---|
| 8.47% | 13.93% |
Emerald Credit Association FCU has a net worth of 8.47% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Emerald Credit Association
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