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Emerald Credit Union offers regular share (savings) and share draft checking accounts with debit cards and ATM access, IRAs, certificates, Christmas club and other club accounts, money market accounts, vacation and back to school accounts. Emerald provides real estate, home improvement, education, consumer and auto loans, unsecured lines of credit, overdraft protection and Visa credit cards. We also offer payroll deduction, ACH (automated clearing house) direct deposits of payroll, pension and Social Security checks.

Loan App

Regular Share (Savings):
This is your basic savings account. There is no minimum balance required other than the $5.00 membership deposit. Dividends are calculated daily and posted quarterly. You need a minimum of $500.00 to earn dividends.

Money Market Accounts:

  • Earns higher dividends.  Minimum balance to earn dividends is $2000.
  • Best used for members with longer-term investment goals.
  • Withdrawal restrictions apply - Minimum withdrawal amount is $500 ($10 fee for less).  Maximum of five (5) withdrawals per quarter ($10 fee when exceeded).

Club Accounts:

  • Earns same dividends as regular shares.  Minimum balance to earn dividends is $500.
  • Best used for budgetary items, or when frequent withdrawals are made.

Share Certificates:
You only need $1,000.00 to open a Share Certificate at ECU. Terms range from six months to 60 months.

IRA Options:
You can choose term or variable rate IRA options at ECU. For your safety and peace of mind, our IRAs are insured up to $250,000.00 per account. ECU offers Traditional, Roth, and ESA (education savings account).  Please click on the links below for more information about the IRA accounts that ECU offers, and for what might be best for you.

 2015 IRA eBrochures:

Traditional IRAs - Answers to Your Questions

Roth IRAs - Answers to Your Questions

Roth IRA vs. Traditional IRA - Exploring Your IRA Options

Roth IRA vs. Traditional IRA - Taking a Closer Look at Eligibility

Coverdell Education Savings Accounts - Answers to Your Questions

IRAs - Growing Your Savings During Every Stage of Life

Retirement Plan Rollovers - Rolling Your Way to a Better Retirement

Conversions - Moving Into a Roth IRA

Christmas Club Account:
No minimum balance is required. Christmas Club account balances will transfer to your Share Savings Account on the first business day in November each year. Dividends are paid quarterly. There is a $5.00 fee for withdrawals made before the funds have been transferred.

Vacation Club Account:
Plan now for next year's vacation. No minimum balance is required and there are no early withdrawal penalties. Dividends are calculated daily and paid quarterly.

Back to School Club Account:
Start saving for the expected (and unexpected) expenses associated with each new school year. Like our vacation club account, you can save all year long, earn dividends and have the cash you need just in time for school.

FREE Checking:
Simple, worry-free checking that gives you exactly what the name suggests - a convenient checking account that's absolutely free of monthly service charges and minimum balance requirements. We also offer the added benefit of free online banking so complete financial control is never more than a click away.

  • No minimum balance requirement or monthly service fees
  • Unlimited check writing and no per check charges
  • Free Online & Mobile Banking - Emerald24
  • Free Bill-Payer service
  • MasterCard Debit Cards
  • Free teller transactions
  • E-Statements
  • Overdraft protection available for those who “opt-in.”
  • Call24 - 24/7 account phone access

MasterCard Debit Card:
Apply for a MasterCard Check Card today and enjoy the ease and convenience it adds to your life!

  • Make purchases anywhere you see the MasterCard logo! The MasterCard Debit Card acts like a credit card, but works like a check to get you in, out and on your way, without all the hassles of writing a check!
  • No fee for point-of-sale purchases, and you also get the first six (6) ATM transactions per month FREE!
  • Access your cash anytime, anyplace with your MasterCard Debit Card!  Use it just like an ATM card to access either your checking or savings account. Better still – use an Alliance One or MoneyPass® ATM to complete your transaction with no additional service charge!

MasterCard SecureCode 

Surcharge-Free ATMs:
ATM machines with Star or Plus logos are accessible by our members. ATMs in the MoneyPass® or Alliance One networks are surcharge free.


New and Used Auto Loans:
ECU offers new and used auto loans with fixed-rates and terms up to 72 months on new autos and 60 months on used autos.

Visa Credit Cards:
ECU offers low-rate Visa Platinum Credit Cards exclusively to our members. Generous credit limits and low finance charges are available to qualified applicants. Every account includes FREE fraud monitoring, FREE 24-hour online access, FREE eStatements, and a 5-day late payment grace period. ScoreCard Points are earned with every purchase and are redeemable for merchandise and gift cards.

Verified By Visa
Personal Loans/Line of Credit:
You have your choice of a personal loan or our Line of Credit (LOC). Our personal loans offer low fixed rates and fixed terms. Our LOC allows you to advance on a predetermined credit limit without reapplying. You can do advances via in person or by accessing your account online and deposit the advance directly to your ECU checking account.

Recreational Vehicle Loans:
For outdoor enthusiasts, ECU offers great fixed rates and generous terms on motorcycles, ATVs and other recreational vehicles.

Share/Certificate Secured Loans:
ECU offers loans secured by the funds you have on deposit in a share account or certificate. This is a good option for members trying to establish credit. It also allows members with funds on deposit to borrow instead of depleting your share account or cashing in your certificate. You continue to earn dividends on the funds you have deposited even though they are pledged as collateral on your loan.

Home Equity Loan:
ECU's 2nd mortgage program allows you to get money from your home to be used for any reason - college expense, boat or car purchase, debt consolidation, home improvements or your dream vacation. You may be eligible to borrow up to 80% of your home's appraised value, less your first mortgage balance. This is a fixed rate second mortgage with terms up to 10 years. Home Equity Lines of Credit are available with low rates tied to the current Wall Street Prime Rate. There are no fees on either product when terms last beyond 36 months.

Online Banking - Emerald24:

  • Online Banking is a FREE service, available 24/7/365
  • Use free Bill-Payer services
  • View account balance information and history
  • Transfer funds between your ECU accounts
  • Transfer funds between your ECU accounts and your accounts at other financial institutions (fee may apply)
  • Make loan payments
  • View images of cancelled checks
  • Export account information to Quicken® or Microsoft® Money software
  • Print out account information
  • Fill out a loan application
  • Receiving monthly e-Statements

Guaranteed Asset Protection Plus (GAP)

Here’s a question for you … if your vehicle is totaled or stolen, will your insurance pay off your loan? Sure, most people think their primary insurance will pay off their loan or lease balance; but, believe it or not, that’s not the case. If your vehicle is totaled or stolen your primary insurance carrier will typically pay the actual cash value (current market value) of your vehicle less your deductible. This amount could be substantially lower than your loan balance leading to a financial GAP! What does a financial GAP mean to you? Unfortunately it means that you have to pay the difference between your loan balance and your insurance settlement, which could mean thousands of dollars out of pocket! Imagine paying for a vehicle you don’t even own anymore! Could you imagine? How frustrating! That’s where GAP, Guaranteed Asset Protection comes in handy. In a nutshell, it eliminates the out-of-pocket cost you would need to pay off your loan should your vehicle be stolen or totaled. Ask us about GAP today.

Debt Protection
Maybe your life long goal isn’t just to get a new car or home but rather making sure that your loved ones are financially secure. Taking on a new loan means a new obligation. If you don’t increase or supplement your existing protection, you could end up leaving your loved ones with big balances – even if the inevitable happens like a disabling illness, injury or even death. Debt Protection benefit actually makes your monthly loan payment should you become disabled due to a covered illness or injury. Payments continue until you go back to work, the loan is repaid or you reach your policy maximum. Debt Protection benefit also reduces or pays off your eligible loan balance should you die from a covered accident or illness.


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