Emerald Credit Association Jefferson City MO | Convenient ATM Services Only

Introduction

Welcome to Emerald Credit Association, your trusted financial partner located at 805 W Stadium Blvd, Jefferson City, MO 65109. Since our establishment in 1968, we have been dedicated to serving our community with a personal touch that you can rely on. With a strong membership base of 1,258 members and total assets amounting to an impressive $8,942,044, we pride ourselves on fostering financial growth and stability for each of our members. At Emerald Credit Association, our commitment goes beyond just numbers; it's about building relationships. Under the leadership of CEO Lisa Norman and Board President Jeff Owens, we focus on delivering exceptional service tailored to your unique needs. We currently manage total deposits of $896,600 and provide various loans, with a total of 510 loans and leases helping our members achieve their financial goals. Whether you are looking for a loan, need assistance with savings, or simply want to learn more about managing your finances, our team is here to guide you every step of the way. While members can visit us at our branch location, official correspondence should be sent to the same address: 805 W Stadium BLVD, Jefferson City, MO 65109. We understand that trust is key in any financial relationship. That's why we maintain a net worth of $788,115 and keep $442,693 cash in hand ensuring we are equipped to meet your needs promptly. Ready to take the next step? Give us a call at 800-875-3962 or visit us online at emeraldcu.com. Let's work together to secure your financial future!

Branch History & Mission

Welcome to Emerald Credit Association, your trusted financial partner since 1968. Nestled in the heart of Jefferson City, Missouri, at 805 W Stadium Blvd, we have proudly served our community for over five decades. With a rich history rooted in cooperation and support, our credit union has grown from a small group of visionaries into a thriving institution with 1,258 members and total assets reaching an impressive $8,942,044. Emerald Credit Association was founded with the mission to provide accessible and affordable financial services to all members. Our journey began with a simple idea: to help individuals and families achieve their financial goals while fostering community spirit. Over the years, we have embraced this mission by offering a variety of services tailored to meet the needs of our members, from personal loans to savings accounts. As we evolved, so did our commitment to the community. We are proud to support local initiatives and partnerships that uplift those around us. This dedication not only strengthens our ties with the community but also enriches the lives of our members by promoting financial literacy and well-being. At Emerald Credit Association, we believe in making banking easy and accessible. While members can visit us at our branch location, official correspondence should be sent to 805 W Stadium BLVD, Jefferson City, MO 65109 if different. Our operating hours are convenient for everyone Monday through Friday during lobby hours, with emergency support available on weekends. We understand that technology plays a crucial role in modern banking. That's why we've invested in user-friendly online banking solutions that allow you to manage your finances anytime, anywhere. Whether it's checking balances or applying for loans, we strive to make your experience as smooth as possible. While we do not currently offer ATM services or drive-thru banking at our Jefferson City location, our focus remains on delivering personalized service that caters directly to your needs. Our dedicated team is always ready to assist you with any inquiries or guidance you may need. As we look toward the future, Emerald Credit Association remains committed to empowering our members through exceptional financial services while giving back to the community that supports us. Join us today and become part of a credit union that truly cares about your success and well-being. For more information or assistance, feel free to reach out at 800-875-3962. Experience the benefits of being a member at Emerald Credit Association where you're not just a number; you're family!

Branch Location & Accessibility

Welcome to Emerald Credit Association, your trusted partner in financial services! Conveniently located at 805 W Stadium Blvd, Jefferson City, MO 65109, we are here to serve you with a smile. Our branch is easily accessible, making it simple for you to drop by and take care of your banking needs. While members can visit us at this location, please note that any official correspondence should be directed to the same address. Just a stone's throw from local landmarks, our branch is situated in a vibrant area that many know well. Whether you're coming from downtown or the surrounding neighborhoods, you'll find ample parking available right at our doorstep. We ensure our facilities are ADA compliant, so everyone can access our services without hassle. Our dedicated team is ready to assist you during our lobby hours, which run Monday through Friday. For those times when you need help over the weekend, we also offer emergency hours on Saturday and Sunday. If you have questions or need assistance, don't hesitate to give us a call at 800-875-3962. At Emerald Credit Association, we value convenience and accessibility. While we currently do not offer drive-thru banking or ATM services at this location, we are committed to providing you with top-notch service inside the branch. We invite you to visit us soon! Whether you're looking for advice on loans or just want to chat about your financial goals, our friendly staff is here for you. Your journey towards better banking starts with us!

Member Eligibility

At Emerald Credit Association, we believe that everyone deserves a chance to join our friendly community and enjoy the benefits of membership. Becoming a member is simple and welcoming. If you live, work, worship, or attend school in the area, you're already eligible! We are dedicated to providing personal service and financial solutions tailored just for you. For more detailed information about eligibility criteria, feel free to check out our website at . Opening an account with us is easy and can set you on the path to better financial health. Whether you need savings options, loans, or other services, we're here to support your journey. If you have any questions or want to get started today, don't hesitate to give us a call at (800) 875-3962. Join us at Emerald Credit Association, located at 805 W Stadium Blvd Jefferson City Mo 65109, and experience the difference of being a valued member!

Business Banking & Commercial Services

Financing Options for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have no member or non-member commercial loans issued, our focus remains on ensuring that when the opportunity arises, we are ready to provide competitive financing solutions that empower businesses to thrive.

Merchant Services that Matter

Beyond loans, we also offer essential merchant services to help streamline your transactions. Imagine a busy restaurant or retail store where every second counts our merchant services make accepting payments quick and hassle-free, allowing you to focus on delivering excellent customer service. Whether you're starting fresh or looking to expand, Emerald Credit Association is here to be your partner in success. Visit us at 805 W Stadium Blvd Jefferson City Mo 65109 or call us at (800) 875-3962 to learn how we can support your business journey today!

Comprehensive List Of Services

Accessibility and Support

Located at 805 W Stadium Blvd, Jefferson City, MO 65109, our branch is committed to being accessible and supportive. While we currently offer ATM services only, we strive to ensure that your experience with us is smooth and convenient. As part of our dedication to serving you better, we also provide emergency hours over the weekends for those urgent situations that can arise unexpectedly. In summary, Emerald Credit Association is here to meet your financial needs with a range of services designed for ease and accessibility. We invite you to explore how we can help simplify your banking experience today! If you're ready to take the next step in your financial journey or have any questions about our offerings, don't hesitate to reach out or visit us! Your financial success is important to us!

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we provide robust online banking capabilities, allowing you to manage your accounts from anywhere at any time. You can check balances, pay bills, and even transfer money with just a few clicks. Plus, our mobile application makes it easy for you to stay connected on the go.

Member-Centric Approach

We understand that each member has unique financial needs. That's why our team is always here to assist you with personalized service and expert advice. Whether you have questions about your account or need help navigating our digital platforms, we're just a phone call away at 800-875-3962.

Tailored Financial Solutions

Whether you're looking for everyday banking options or specialized services, we've got you covered. For instance, if you're someone who frequently travels or needs quick access to cash, our ATM Services Only can be a game-changer. You can easily withdraw funds when you need them without having to worry about finding a bank branch.

Digital & Online Banking

Key Features

One of the standout features of our service is the availability of e-statements. Instead of waiting for paper statements to arrive in the mail, you can view them online anytime. This not only saves paper but also helps keep your information organized and easily accessible. If you need to send money quickly to a friend or family member, our person-to-person transfer feature allows you to do just that with ease. No more writing checks or worrying about cash just send money directly from your account with a few taps on your device. For those who prefer banking on their mobile devices, we offer a dedicated mobile application. It's perfect for when you're out and about and need to check your account or make payments. While we currently don't support mobile payments directly through this app, the convenience of managing your accounts on the go is unmatched. Security is always a priority at Emerald Credit Association. Although we do not yet offer electronic signature authorization for transactions, rest assured that all online activities are protected by robust security measures to keep your data safe. In summary, whether you're accessing our services through your computer or mobile application, our digital banking options provide you with the flexibility and control you need over your finances. Explore all that Emerald Credit Association has to offer today at https://www.emeraldcu.com/ !

Financial Strength

Dedicated Team

We take pride in having 4 full-time employees who are always ready to serve you with knowledge and care. Our team is dedicated to ensuring that your experience with Emerald Credit Association is positive and fulfilling. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Emerald Credit Association is your trusted partner. Visit us at 805 W Stadium Blvd, Jefferson City, MO 65109 or call 800-875-3962 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.*

Lending Capacity

Our lending capacity supports your financial goals across various sectors. We have facilitated $6,720,639 in total loans and leases, including $309 in used auto loans. This breadth of lending showcases our commitment to helping members secure the funds they need.

Member Savings and Investments

Members' savings are secured through $517,667 in share certificates, offering stable and rewarding growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits currently at $0, our resources focus solely on benefiting you through better loan rates and exclusive perks.

Our Financial Foundation

With a net worth of $788,115, we demonstrate solid financial health that underpins our operations. This enables us to keep providing competitive loans and savings options for our members. Our net worth ratio of 881 reflects our robust capital foundation, ensuring that we can continue delivering reliable services even during uncertain economic times.

Performance Insights

Our operational efficiency is reflected in our $0 net income, which emphasizes our dedication to serving you while managing costs effectively. Additionally, we maintain strong member engagement with a total of 1,946 share accounts, demonstrating the trust placed in us by our growing membership base.

Loan Offering

Additional Information

We strive to support our members through various lending options and ensure that they have access to valuable financial resources. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. If you're ready to take the next step towards achieving your financial goals or need guidance on which loan product suits you best, don't hesitate to contact us. At Emerald Credit Association, we're committed to helping you find the right path forward!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $4,845,872 in used vehicle loans and $1,701,613 in new vehicle loans already helping members get on the road. We make it easy to get behind the wheel with flexible terms and competitive interest rates.

Credit Lines and Unsecured Credit Cards

For those looking for flexibility in managing their expenses, we provide credit lines totaling $460,000. Additionally, while we currently do not offer unsecured credit card loans, our team is happy to discuss alternative options that may be available to help you effectively manage your finances.

Mortgage Loans

Thinking about homeownership? While we currently do not offer mortgage loans for Junior Lien 1-4 Family Residential Properties, we're here to help guide you through various financing options that can fit your needs. If you are considering refinancing your existing mortgage or exploring eligibility options for other types of loans, please feel free to reach out for assistance.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a commitment to transparency and reliability, LendMesh stands out as a trusted tool for those seeking the most competitive loan offers. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This means users can trust that the offers presented are fair and transparent, reflecting current market conditions. One of the key benefits of using LendMesh is its Verified Data feature. Loan offers come exclusively from legitimate financial institutions, ensuring that users receive only authentic options. Additionally, LendMesh prides itself on having No Sponsored Listings; lenders are not prioritized based on paid promotions. This commitment to unbiased results allows users to compare loans based solely on their merits. Moreover, LendMesh provides Real-Time Rate Comparisons, showcasing up-to-date loan rates from multiple institutions. This feature empowers users to make informed decisions about their borrowing options, helping them find loans that best fit their financial needs. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Testimonials like these highlight the effectiveness and reliability of LendMesh as a comparison tool. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

EMERALD CREDIT ASSOCIATION FEDERAL CREDIT UNION