Emerald Credit Union, Inc.

Headquarters

13201 Granger Rd Ste 1
Garfield Hts, OH 44125
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.01% 5.50% →
1-Year CD 0.15% 4.80% →
2-Year CD 0.20% 4.25% →
5-Year CD 0.35% 4.00% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

Reviewed by Ronald Sawyer | June 26, 2023

I was very pleased with the service that Erica gave me when I came in. She was very helpful and very pleasant.


2024 Overview

General Credit Union Information

Emerald Credit Union, Inc. is located in Garfield Hts, Oh. It was founded in 1955 and has approximately $34.11 millions in assets.

NCUA Insured No
Charter Number # # 97077
Date Established 1955
Assets $34.11 million
Loans $20.14 million
Deposits $30.26 million
Capital $3.49 million
 

Deposit Rates - November 4, 2024

Your Current Location: Ohio, OH 43085

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.01% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.10% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.15% $10,000 $14,999 Learn More
12 Mo CD
0.15% $10,000 $14,999 Learn More
18 Mo CD
0.20% $10,000 $14,999 Learn More
24 Mo CD
0.20% $10,000 $14,999 Learn More
24 Mo CD
0.20% $100,000 $199,999 Learn More
36 Mo CD
0.25% $10,000 $14,999 Learn More
36 Mo CD
0.25% $100,000 $199,999 Learn More
48 Mo CD
0.30% $10,000 $14,999 Learn More
48 Mo CD
0.30% $100,000 $199,999 Learn More
60 Mo CD
0.35% $10,000 $14,999 Learn More
60 Mo CD
0.35% $100,000 $199,999 Learn More

Loan Rates - November 4, 2024

Your Current Location: Ohio, OH 43085

There are currently no loan rates available for Emerald Credit Union, Inc.

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
District Lending
NMLS ID: 1835285
6.380% 6.250% 0.88 $4,400 $1,971 Learn More
PenFed Credit Union
NMLS ID: 401822
6.818% 6.625% 1.00 $6,400 $2,049 Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.984% 6.875% 0.88 $3,545 $2,103 Learn More
Rocket Mortgage
NMLS ID: 3030
7.200% 7.125% 0.75 $2,400 $2,156 Learn More

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
Intro APR
7.490 %
After Intro: 7.490 %
$0 Learn More
More Info

Note to Emerald Credit Union, Inc.
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Below are Emerald Credit Union, Inc. 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 Union, Inc. Locations around zip code 43085


BranchDistance Map View Lobby Hours

MAIN OFFICE

125.29 A View Lobby Hours

BEDFORD BRANCH

126.61 B View Lobby Hours


Climate Policy and Initiatives

EMERALD CREDIT UNION, INC. 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 Union, Inc. Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Emerald Credit Union, Inc.. 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 Union, Inc. U.S. Average
5.45% 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 Union, Inc. had $176,967 in non-current loans and $23,115 in owned assets. To cover these potential losses it had $3,485,536 in net worth and $184,930 in loans loss reserves. That gives it a Texas Ratio of 5.45%.

Net Worth
Emerald Credit Union, Inc. U.S. Average
10.17% 13.93%

Emerald Credit Union, Inc. FCU has a net worth of 10.17% 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 Union, Inc.


  • June 26, 2023

    I was very pleased with the service that Erica gave me when I came in. She was very helpful and very pleasant.


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