Emerald Credit Association Federal Credit Union

Headquarters

2117 Kateway
Greenwood, SC 29646
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 5.55% →
1-Year CD 0.40% 5.38% →
2-Year CD 0.60% 4.95% →
5-Year CD N.A. 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

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 $9.19 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 19047
Date Established 1968
Assets $9.19 million
Loans $7.00 million
Deposits $8.36 million
Capital $0.75 million
 

Deposit Rates - July 19, 2024

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.05% $2,500 $4,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.20% $10,000 $14,999 Learn More
6 Mo CD
0.20% $100,000 $199,999 Learn More
12 Mo CD
0.40% $10,000 $14,999 Learn More
12 Mo CD
0.40% $100,000 $199,999 Learn More
18 Mo CD
0.45% $10,000 $14,999 Learn More
18 Mo CD
0.45% $100,000 $199,999 Learn More
24 Mo CD
0.60% $10,000 $14,999 Learn More
24 Mo CD
0.60% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
Var IRA
0.30% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.02% $2,500 $3,499 Learn MoreShow Less

Loan Rates - July 19, 2024

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
PenFed Credit Union
NMLS ID: 401822
6.644% 6.500% 0.50 $4,803 $2,023 Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.711% 6.625% 0.63 $2,850 $2,049 Learn More
Rocket Mortgage
NMLS ID: 3030
7.076% 6.990% 0.88 $2,800 $2,127 Learn More
New American Funding, LLC
NMLS ID: 6606
Learn More

Featured - Virginia 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
7.990 %
$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:
Ashburn,Virginia


Emerald Credit Association Locations around zip code 20146


BranchDistance Map View Lobby Hours

Emerald Credit Association FCU

414.62 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
20.53% 6.52

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 March 31, 2024, Emerald Credit Association had $150,744 in non-current loans and $10,171 in owned assets. To cover these potential losses it had $749,183 in net worth and $34,788 in loans loss reserves. That gives it a Texas Ratio of 20.53%.

Net Worth
Emerald Credit Association U.S. Average
8.15% 13.65%

Emerald Credit Association FCU has a net worth of 8.15% versus the BestCashCow average of 13.65. 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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