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Emerald Credit Union serves communities and Select Employment Groups (SEGs) in all of Cuyahoga County, and membership is available to family of existing members as well.  If you live, work, worship, or attend school in Cuyahoga County, you may open an account and unlock the many benefits of Emerald Credit Union membership.

Ready to Join?

Cuyahoga County residents: You may establish membership now by opening an individual Share Savings Account online. This completely digital onboarding process allows you to skip the branch, and establish membership at your own convenience. Please be prepared with your valid driver's license or state ID. Once your new account is open, you must fund it with a debit card or credit card. You will then receive email communication from a real, live credit union representative asking you to upload an image of your ID, and complete a Member Identification Survey that is required by state and federal regulation. If you prefer to establish membership in person, you may visit our branch instead. 

Non-Cuyahoga County residents who work, worship, or attend school in Cuyahoga County: You must visit our branch with your valid ID and a minimum deposit of $5.00. We'll take care of the rest!

Membership FAQs


The Details

Emerald Credit Union requires a minimum deposit (par value) of only $5.00 into a Share Savings Account to become a member. Once you become member, you are immediately eligible to apply for any of our other products and services.

The U.S. Patriot Act of 2001 requires all financial institutions to take proper measures in verifying the identity of each person wishing to open an account. Each individual who establishes a new account with Emerald Credit Union must provide proof of the following information prior to opening the account, without exception:

  • Name
  • Date of birth
  • Address or mailing address, if different
  • U.S. Persons - social security number or tax identification number
  • Non-U.S. Persons - tax identification number, passport number, number of other government issued document providing nationality or residence, and bearing a photograph
  • Entity/Non-Person - name, place of business and employer identification number

At least one document provided must be a non-expired government issued photo identification card (driver’s license, state ID). Any other identification may be a social security card, utility bill or paycheck stub, providing it contains the information required.

USA Patriot Act - Member Identification Requirements:
To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that  identifies each person who opens an account.

When you open an account, we will ask you for your name, street address, date of birth, and other information that will allow us to identify you. We may also ask to see your Driver’s License or other identifying documents.

ChexSystems Requirement:
All membership applicants will be screened through ChexSystems.

Consumer Reports:
By submitting a membership application, you authorize Emerald Credit Union to obtain a consumer credit report to evaluate your creditworthiness, so that you may be considered for other Emerald Credit Union products and services. You also authorize Emerald Credit Union to obtain consumer reports for purposes of evaluating the membership application and reviewing any Emerald Credit Union accounts you open. You understand these reports may be used in decisions to deny account applications.