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Who Can Join?

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 join our growing family of members who already enjoy the many benefits of an Emerald Credit Union relationship.

Getting Started is Easy

Bring your ID and $5.00 to any of our branch locations, and we'll take care of the rest!

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 are member, you are immediately eligible to apply for any of our other outstanding 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:
In accordance with Section 326 of the USA Patriot Act, applicants for new accounts are requested to provide current picture identification that verifies identity including name, address and other identifying information.

Identification will be requested for current account holders if original documentation was not obtained with the opening of the account.  In all cases, protection of our member's identity and confidentiality is our pledge to you.


We proudly support all efforts to protect and maintain the security of our members and our country.


ChexSystems Requirement:

All membership applicants will be screened through ChexSystems.

Consumer Reports:
By submitting an 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.