Emerald , Inc. Credit Union

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A short history of Emerald , Inc. CU

Since its inception in 1955 the Emerald , Inc. Credit Union has been serving its members in the GARFIELD HTS, Ohio area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by WENDY DRIVER, the Emerald , Inc. CU has grown its membership to over 5,894 with assets of more than $42,559,961. They have a main office and 2 branch offices. Please see the credit unions website or contact them by phone at (216) 581-5581 or email them at none to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in GARFIELD HTS, OH.

General Information For Emerald , Inc. CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 97077
Address 13201 GRANGER RD STE 1 
State Ohio 
Zip-Code 44125
Phone Number (216) 581-5581
Fax Number (216) 265-1000
Email Address: none
Members 5,894 
Full-Time Employees 19 
Part-Time Employees
Number of Branch Offices
Total Assets 42,559,961 
Website http://www.emeraldgcu.com 

Compare Emerald , Inc. Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Ohio Teamsters CU Ohio Teamsters Credit Union 6100 Rockside Woods Blvd N Ste 150 44131 (216) 573-6700 No 0.75
Union Of Poles In America CU Union of Poles in Amercia Credit Union 9999 Granger Rd 44125 (216) 478-0120 No 1.55
Taleris CU Granger Road Office 1250 E Granger Rd 44131 (216) 739-2300 No 1.67
All Saints CU All Saints Federal Credit Union 5269 E 104th St 44125 (216) 587-0631 No 1.69
Plumbers 55 CU Main Corporate Office 980 Keynote Cir 44131 (216) 459-2432 No 1.84

Emerald , Inc. Credit Union Financial Performance Charts

Performance Charts

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Financial Data

Emerald , Inc. Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 9.95 2.49 2.74 2.67 3.75
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 247 83 70 10 74
Rank Among All Ohio Credit Unions 39 12 10 1 8

Emerald , Inc. Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A N/A 0.10 0.40 0.40
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A N/A 134 284 243
Rank Among All Ohio Credit Unions N/A N/A 38 83 61
Emerald , Inc. Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.9501,0442,797,555
All Other Unsecured Loans/Lines of Credit 12.9905831,195,414
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 2.4902361,796,345
Used Vehicle Loans 2.7404984,722,936
Total 1st Mortgage Real Estate Loans/Lines of Credit 2.6701147,990,995
Total Other Real Estate Loans/Lines of Credit 3.7501272,329,861
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 3.490121655,043
TOTAL LOANS & LEASES 2,72321,488,149

Emerald , Inc. Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 473,584,13400
    b. 15 Years or less 623,883,235175,000
    a. > 15 years 5523,62600
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 21181,62800
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 1062,148,23343265,774
Open-End Fixed Rate 0000
TOTALS 24110,320,85644340,774


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Emerald , Inc. Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending Yes
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit No
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes