Business Details
50+ Years
experience
Your Trusted Community Credit Union in Garfield Heights
Emerald Group Credit Union operates as a member-owned cooperative financial institution dedicated to promoting thrift and providing credit to its members. Established in 1955, we prioritize member needs through competitive financial products, lower fees, and personalized service. Our board of directors, elected by members, sets policies and rates to ensure financial accessibility. We serve Cuyahoga County through a community charter, offering services to individuals living, working, or worshiping in the area. Our mission focuses on financial literacy, economic empowerment, and equitable access to financial tools.We maintain partnerships with local chambers of commerce to strengthen community ties. Our core values include integrity, inclusivity, and social responsibility, ensuring transparent operations and non-discriminatory practices. We provide 24/7 digital banking access alongside physical branch services in Garfield Heights. Our commitment to innovation includes mobile banking features like remote deposit capture and fraud protection tools. Through continuous education and tailored financial solutions, we aim to uplift underserved communities and foster long-term economic stability.
Services
Checking Accounts
Savings Accounts
Vehicle Loans
Personal Loans
Credit Cards
Home Equity Loans
Student Loans
Online Banking
Mobile Banking
Insurance Services
Details
- Year established: 1955
Highlights and features
- We operate as a member-owned cooperative with volunteer board oversight
- Our community charter serves all Cuyahoga County residents regardless of employment
- We offer free digital banking with innovative features like mobile check deposit
- Our financial literacy programs support long-term economic empowerment
- We maintain partnerships with local chambers of commerce for community development
Services
Checking Accounts
Our checking accounts provide secure, convenient access to your funds with no monthly maintenance fees. Members enjoy free online bill payment, mobile banking with check deposit, and nationwide ATM access through partnerships with MoneyPass and Alliance One networks. Account holders receive personalized service through our Garfield Heights branch location and 24/7 audio teller system.
Vehicle Loans
We offer competitive vehicle loan rates for new and used car purchases with flexible terms up to 72 months. Our lending specialists work with members to find affordable payment options that fit their budget. Loan applicants benefit from personalized guidance and quick approval decisions through our digital application process and local branch services.
Online Banking
Our 24/7 online banking platform allows members to manage accounts from any device. Features include real-time balance checks, fund transfers, bill payments, and eStatement access. The mobile app adds biometric login security and remote deposit capture for checks. Text banking provides quick account information via mobile devices during branch hours.
Credit Cards
Our Platinum Visa credit card offers competitive rates with no annual fee and 24/7 fraud monitoring. Cardholders access exclusive benefits through the Brella mobile app including customizable spending alerts and instant card control features. Members can manage accounts online with payment scheduling and digital statement options.
Financial Education
We provide free financial literacy resources to help members achieve long-term stability. Our educational programs cover budgeting, credit building, and homeownership preparation. Members access personalized guidance through branch consultations and community workshops focused on breaking down financial barriers for underserved populations.
People
Richard Stefanko
Chairman
Richard Stefanko leads our volunteer board of directors with extensive financial industry experience. He ensures strategic oversight of our operations and member services while maintaining community-focused priorities.
James Marunowski
Vice Chairman
James Marunowski supports board operations with deep knowledge of credit union governance. He works to maintain competitive financial products and ensure regulatory compliance across all services.
Stan Perry
Secretary
Stan Perry manages board administrative functions with commitment to member advocacy. He helps implement policies that align with our mission of financial empowerment and community development.
Elizabeth Royce
Treasurer
Elizabeth Royce oversees financial stewardship for the credit union. She ensures responsible management of resources while maintaining focus on member benefits and long-term sustainability.
Donna Gallavan
Director
Donna Gallavan represents member interests through active board participation. She contributes to policy development and service expansion initiatives that enhance financial accessibility for local communities.
Questions
What services does Emerald Credit Union offer?
We provide checking and savings accounts, vehicle and personal loans, credit cards, home equity loans, student loans, and comprehensive digital banking tools including mobile check deposit and fraud protection.
How can I access my accounts outside branch hours?
Our Digital Branch offers 24/7 online access for balance checks, transfers, bill payments, and account management. The mobile app includes biometric login and remote deposit capture features.
What loan options are available?
We offer competitive rates on vehicle loans, personal loans, home equity loans, student loans, and share secured loans with flexible terms and personalized payment options.
What makes Emerald Credit Union different from banks?
As a member-owned cooperative, we return profits to members through better rates, lower fees, and community development initiatives rather than external shareholders.
Can anyone join Emerald Credit Union?
Membership is open to anyone living, working, attending school, or worshiping in Cuyahoga County through our community charter established in 1955.
