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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 valid ID and $5.00 to our branch, and 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 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:
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 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.