Emerald Coast


Po Box 128
Port St Joe, FL 32457
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.75% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.10% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Emerald Coast is an NCUA insured institution located in Port St Joe, FL. It was founded in 1939 and has approximately $62.37 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 3388
Date Established 1939
Assets $62.37 million
Loans $25.01 million
Deposits $58.90 million
Capital $4.32 million

Field of Membership Restrictions

Membership is open to those who live, work, worship, or attend school in, or have businesses and other legal entities in Gulf or Franklin County or the City of Mexico Beach.

Deposit Rates - October 16, 2021

Your Current Location: Connecticut, CT 06828

We do not yet have rates for Emerald Coast

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Loan Rates - October 16, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for EMERALD COAST

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
Flagstar Bank, FSB
NMLS ID: 417490
3.194% 3.125% 0.88 $2,208 $1,071 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

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Below are Emerald Coast branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Emerald Coast Locations

Climate Initiatives

EMERALD COAST is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

Emerald Coast Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Emerald Coast. 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 Coast U.S. Average
15.88% 3.79

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, 2021, Emerald Coast had $700,869 in non-current loans and $28,700 in owned assets. To cover these potential losses it had $4,316,598 in net worth and $276,991 in loans loss reserves. That gives it a Texas Ratio of 15.88%.

Net Worth
Emerald Coast U.S. Average
7.23% 12.22%

Emerald Coast FCU has a net worth of 7.23% versus the BestCashCow average of 12.22. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Emerald Coast

Branches and Savings

What is Emerald Coast?

A federal credit union, registered with the NCUA under certificate #3388.
Learn more about credit unions here.

Is Emerald Coast FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Emerald Coast is insured by the NCUA.

Who can join Emerald Coast?

Please see Field of Membership information above for information on who is eligible to join.

What are Emerald Coast's share account and share certificate rates?

Emerald Coast's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Emerald Coast?

Emerald Coast has total capital of $4.32 million. Full information on Emerald Coast's financial position is located above.

Who owns Emerald Coast?

Credit Unions are owned by their members.

Where are Emerald Coast branches located?

See branch locations nearby.

Are Emerald Coast ATMs Open 24/7?

Do Emerald Coast ATMs accept cash deposits?

Can Emerald Coast customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Emerald Coast have a mobile app?

Does Emerald Coast have mobile deposit?

Does Emerald Coast have quick pay?

How can Emerald Coast transfer money to other banks or credit unions?

Does Emerald Coast report to credit bureaus?

Does Emerald Coast use Chexsystems?

Does Emerald Coast use Equifax?

What is Emerald Coast's toll free phone number?

What is Emerald Coast's ACH Routing Number?

What is Emerald Coast's SWIFT code?

Where can I find Emerald Coast's wire transfer form?

What is the Emerald Coast address for deposits?

What Products Does Emerald Coast Offer

Does Emerald Coast offer mortgages?

Compare mortgage rates here.

Does Emerald Coast offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Emerald Coast offer auto and RV loans?

Compare auto loan rates here.

Does Emerald Coast offer student loans or personal loans?

Compare personal loan rates here.

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