Emerald Credit Union, Inc.

13201 GRANGER RD STE 1, Garfield Hts, OH 44125

NCUA Insured4.6 (259 reviews)3 charter

Verified Information

NCUA Insured

Member-Owned

3 charter

Established in 1955

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Garfield Hts, OH may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

3 charter

Established in 1955

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

13201 GRANGER RD STE 1

Garfield Hts, OH 44125

Google Maps 🗺Waze

(216) 581-5581

Service Area

This credit union is located in Garfield Hts and serves members in the OH area. Currently serving 3,474 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

3.99%

Used Auto Loan

6.09%

Personal Loan

11.49%

Credit Card APR

9.95%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in OH

Lowest rates currently reported by credit unions in OH (NCUA Q4 2025).

Plumbers 55— New Auto Loan

Brooklyn Height, OH

2.99%

Plumbers 55— Used Auto Loan

Brooklyn Height, OH

3.99%

Ohio Teamsters— Personal Loan

Independence, OH

3.30%

General Electric— Credit Card APR

Cincinnati, OH

6.86%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(1 total)

Member Reviews

4.6

259 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Lisa Granfors

6 months ago

I've been a member of the credit union for over 30 years. I have always had great service over the years from Debbie C, Julie B, Christie G, (and many others)! Most recently, Jill Kiggins has helped me with a HELOC and auto refinance loan. She is always quick to return callsand emails and provides accurate information ...and better rates! She works hard to get the customers what they need. Thank you Jill!

Kiana Beasley

6 months ago

My experience today at Emerald Credit Union was very exceptional. Although my initial plan didn't go as expected. But with the help of Ms. Patricia who is very kind and patient, she was still able to get things going. Her customer service is fantastic and is very informative, she acknowledged me almost immediately as I was waiting in the lobby to be serviced. Overall I am very satisfied with my visit today and will be back again to see Ms. Patricia to further handle any banking needs. Thank you!!

Ehren Eschmann

3 months ago

Natalie Thomas helped me close on a new auto loan. Awesome rates, awesome service. Everyone was very friendly. Proud to be a new member of Emerald Credit Union.

Norman Cerny

3 months ago

Jill is great. Very knowledgeable and really wants to help you. It's been such a good experience working with her. Way better than working with a traditional bank.

Gwen Mullen

8 months ago

A big THANK YOU to Jill Kiggins! My checking account was in trouble! Someone "washed" a check and rewrote it for thousands more. The credit union notified me immediately and I met with Jill the next day. (the check never cleared). Together we cancelled the old account and began a new one. She was SO helpful and professional. I have been a member for years and am glad to deal with such a fine group of people. Gwen Mullen