A Credit Union is a cooperative, not-for-profit financial institution organized to promote thrift and provide credit to its members. It is member-owned and controlled through a board of directors elected by the membership. The board serves on a volunteer basis, and their duties include establishing and revising policies, setting dividend and loan rates, and directing certain operations.
The result is that members are provided with a safe, convenient place to save and borrow money at an institution that exists to benefit them, not to make a profit. Emerald Credit Union was originally chartered as the Garfield Heights School Employees' Credit Union in 1955, serving only the employees of that school district.
The result is that members are provided with a safe, convenient place to save and borrow money at an institution that exists to benefit them, not to make a profit. Emerald Credit Union was originally chartered as the Garfield Heights School Employees' Credit Union in 1955, serving only the employees of that school district.
Services
Thank you for choosing Emerald CU for your lending needs! Our online loan application is fast, user-friendly, safe, and secure. It's available 24/7, on your time, at your pace. Please be prepared with your employment and income information. If you're an Online Banking user, you may login to your online account to apply for a loan.
An ECU Personal Checking Account is used for everyday expenses and payments, and includes all the convenience and security features you're looking for! Easy access to your funds via check, a MasterCard debit card, pre-authorized payments, and/or electronic funds transfers. Our free Mobile App keeps you connected, and offers the ability to freeze and re-activate your debit card.
Free overdraft protection transfers to an associated Share Draft Checking Account are also available, subject to Regulation D (please refer to Important Account Information: Disclosures & Notices). 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.
Simply submit your application online, and we'll take it from there! A Loan Officer will contact you if any additional information is needed. You may also apply over the phone or in-person at our branch, whichever is most convenient for you. The Annual Percentage Rate (APR), term, and payment amount you may qualify for will depend on your credit worthiness.
You may be eligible for a Free 3-Month All Access SiriusXM Trial Subscription with your next used auto loan! Turn on all the best commercial-free music, plus every major sporting event, and the biggest names in entertainment, news, and comedy all at the push of a button. The All Access Trial includes streaming so you can listen online, or on the app - All with no credit card required.
Reviews (11)
Harley Quinn
Aug 01, 2021
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Kathy O'Brien-Carter
Jun 28, 2021
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There's something to be said for a local small business (compared to the big banks). Friendly faces and efficient service are usually what I get when I walk in. Emerald was the ONLY place my 18 yr. old son could get a loan for a car; other places refused him because he had no credit (how do you get credit when you just turned 18?). Not only did he get the car but he also established a credit history which (4 yrs. later) is important for a young adult to rent an apt, buy another car, make large purchases. Can't recommend Emerald Credit Union highly enough!
Kimberly Howell
Apr 19, 2021
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My husband was pre-approved for a small car loan and three days later after we found the car we wanted Emerald Credit Union Underwriters denied the pre-approval the details was not clear, however, if a lending institution pre-approve and then take it back that does not look good on that lending institution.
Phylicia Campbell
Jan 23, 2021
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I love this Credit Union. Never had any problems. I refer them to any and everyone I know. They help us out as customers in such a great and helpful way. Staff always pleasant and helpful. Hope i get this hardship loan. They really offer alot when you bank with them. They have been great this whole 3-4 years I've banked with them. And hope they stay around a while.
Theresa Grace
Dec 12, 2020
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I filed for the Hardship 90 days where I wouldn't have to pay on visa or personal loan I believe same day I got e-mail about it on March 26th. I've called left messages, spoke with someone been laid off since March 16th no unemployment yet no answer from Emerald.I did get approved for hardship thank you.
Farisha Davis
Nov 22, 2020
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Kari Sinclair
Jan 17, 2020
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I use to recommend this credit union to everyone now I pray they don’t or didn’t go here. I used to love the way they knew your name when you walked in the door but that’s just not enough. I’ve been with them for a long time had A LOT of money come through there and even boosted my credit while a customer and yet still can’t get approved for any type of loan. I can get a loan elsewhere but just not here. So I guess that’s where all my money should be. Also I had a dispute with a purchase it’s been 3 weeks not information no call and no money. Fraud on my debit card they tell me I
Dontel Jones
Nov 14, 2019
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Rick
Oct 23, 2019
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I have had my account here since i was 3 years old Im always taken care of and would recommend this credit union to anyone. after reading these other reviews I believe that it is more customer being wrong than this place not doing their jobs. i have never had a single problem with emerald and know tons of people that feel the same way!
Angela Carmichael
Sep 11, 2018
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Drew A.
Oct 06, 2016
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They do not return phone calls. My friend tried opening an account and left a voicemail to have someone to call twice and no one called back. I went in to open an account since they do not call back and applied for a loan. (Mind you that my credit score is very good) The bank manager (Dotti) said I would hear back within a day or two. It's been a week and still no answer. I've called numerous times to try and speak to the manager and she's always been busy or away from her desk. Left 3 voicemails and still no answer. It's very unprofessional and terrible business to not at least
