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Student Products

Youth Share Savings Accounts

This basic savings account is designed for minors, under the age of 18.
  • A minimum par value deposit of just $5.00 is required to open a Youth Share Savings Account. This par value must be maintained at all times to keep the account in good standing.
  • Dividends are posted quarterly with a minimum average daily balance of just $50.00.


Each year, Emerald Credit Union selects up to two high school graduates within the school districts that we serve, to be awarded with a $1,000 intended to aid with college or other post-high school education expenses. We also proudly participate in the Greater Cleveland CU Outreach Alliance Scholarship Program, presented by the Ohio Credit Union League, which awards five scholarships in the amount of $1,000 each.

The Smart Option Student Loan® for Emerald Credit Union by Sallie Mae®

For borrowers attending degree-granting institutions.

Now you can pay college the smart way with three great repayment options and competitive interest rates!

The loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans.  To learn more or to apply, please get started here.

The Smart Option Student Loan features and benefits:

  • Multiple in-school repayment options plus a choice of competitive fixed and variable interest rates, providing even more flexibility
  • No origination fees and no prepayment penalty
  • Benefits and an interest rate reduction available
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify
  • 100% US-based Student Loan Specialists

To learn more, please get started here.

The underwriting and funds for the Smart Option Student Loan® by Sallie Mae are not granted by Emerald Credit Union.  This product is offered in partnership with Sallie Mae on a referral basis.