At Emerald Credit Union, we are dedicated to providing our members with exceptional service and a wide range of financial products to help them achieve their financial goals. Our mission is to be a trusted leader in the financial services industry, committed to empowering our members to make informed financial decisions and improve their lives.

Our Services

We offer a variety of checking accounts to suit your individual or business needs. Our checking accounts provide easy access to your funds, flexible payment options, and a range of benefits, including overdraft protection, mobile banking, and access to a network of over 38,000 surcharge-free ATMs.

Checking Accounts

Our personal checking accounts are designed to make managing your finances easy and convenient. With our checking accounts, you'll have access to:

A Mastercard debit card for easy purchases
Overdraft protection from an associated Share Savings Account
Mobile banking app for easy account management on-the-go
Access to a network of over 38,000 surcharge-free ATMs
No monthly service fee or minimum balance requirement

We also offer a Youth Checking Account for minors 16-17 years old, designed to help them develop good financial habits and independence.

Business Checking

Our Business Checking account is designed for businesses of all sizes, providing easy access to funds, flexible payment options, and a range of benefits. Our Business Checking account offers:

A Mastercard debit card for business expenses
Overdraft protection from an associated Share Savings Account
Mobile banking app for easy account management on-the-go
Access to a network of over 38,000 surcharge-free ATMs
No monthly service fee or minimum balance requirement

Mastercard Debit Cards

Our Mastercard debit cards offer a convenient way to make purchases, withdraw cash from ATMs, and manage your finances on-the-go. Our debit cards also offer a range of benefits, including:

Eliminate carrying cash and writing cumbersome checks
Avoid an extra trip to the ATM by getting cash back with in-store purchases
The ability to freeze and reactivate your debit card right within our Mobile App
No late fees, annual fees, or interest charges

Round Up Program

Our new Round Up Program allows you to start saving while you spend! Once enrolled, each of your debit card purchases will be rounded up to the next dollar, and the change difference will be transferred into your associated Share Savings Account. All transfers will occur overnight, making it easy to save without even thinking about it.

Mobile Banking App

Our mobile banking app provides a convenient way to manage your finances on-the-go. With our app, you can:

Review account activity and transactions
Make mobile deposits
Pay bills
Transfer funds
Freeze and reactivate your debit card
And more!

Financial Wellness Tips

Staying financially fit is crucial in today's fast-paced world. Here are a few financial wellness tips to keep in mind:

Keep track of your checking account balance to avoid overspending
Set financial goals and priorities to achieve your financial objectives
Take advantage of mobile banking to manage your finances on-the-go
Avoid fees by staying informed and proactive with your financial decisions

Update Share

Positive: The majority of reviewers have had exceptional experiences with Emerald Credit Union, praising the staff's professionalism, helpfulness, and efficiency.

Negative: A few reviewers have expressed disappointment with the credit union's strict lending policies, particularly the introduction of credit checks for certain loans. Additionally, one reviewer had a negative experience with the underwriting process, which led to the denial of a pre-approval.

Exceptional Customer Service

The majority of reviewers have given 5-star ratings, praising the exceptional customer service they received from various staff members at Emerald Credit Union. Many reviewers specifically mention Jill, who is described as professional, helpful, and efficient in handling their inquiries and transactions. Other staff members, such as Annette and Brittany, are also praised for their kind, attentive, and supportive nature.

Efficient and Timely Service

Reviewers appreciate the efficient and timely service they receive from Emerald Credit Union. Whether it's completing tasks, explaining options, or resolving issues, the staff is described as consistently helpful and courteous. The online banking experience is also commended for being smooth and trouble-free.

Long-Term Loyal Members

Some reviewers have been members of Emerald Credit Union for many years and have consistently been pleased with their interactions. They appreciate the personal touch and local feeling that sets the credit union apart from larger institutions.

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