Emerald Credit Union Garfield Hts OH | Low Mortgage Rates & Business Banking

Introduction

At Emerald Credit Union, Inc., we believe in building a strong financial future for our members and the community. Established in 1955, our commitment to exceptional service has helped us grow to a membership of over 3,750 individuals who trust us with their financial needs. Located at 13201 Granger Rd Ste 1, Garfield Hts, OH 44125, our doors are always open to welcome you with personalized banking solutions tailored just for you. With total assets exceeding $32,959,548 and deposits around $1,924,991, we take pride in being a solid pillar of support for our members' financial journeys. Our dedicated team of 11 employees, led by CEO Lindsay Andexler and Board President Richard Stefanko, works tirelessly to ensure that each member receives the attention they deserve. We understand that every financial decision matters, whether you're looking for an auto loan or planning for your future with savings accounts and mortgages. While you can visit us at our branch address for all your banking needs, any official correspondence should be directed to the same location: 13201 GRANGER RD STE 1, GARFIELD HTS, OH 44125. We offer a wide range of services designed to empower our members, including personal banking options like checking and savings accounts, as well as various loan products such as auto loans and credit cards with rewards. With total loans amounting to 1,585, we are here to help you achieve your financial goals. As part of our ongoing commitment to transparency and reliability, we maintain a strong net worth of $3,456,559 and keep ample cash in hand currently at $238,762 to meet your needs promptly. So why wait? Experience the difference that a member-focused credit union can make in your life. Call us today at 216-581-5581 or visit our website at emeraldcu.com to learn more about how we can assist you!

Branch History & Mission

Commitment to Innovation

In today's digital world, we understand that convenience is key. That's why we have embraced technology to enhance your banking experience through online and mobile banking options. Our commitment to accessibility includes ADA compliance initiatives ensuring everyone can use our services comfortably. As part of our ongoing evolution, we've introduced features like electronic signatures and e-statements for easier transactions and record-keeping. And yes, we offer ATM services so you can access your funds anytime!

Join Us

We invite you to become part of the Emerald Credit Union family. Experience firsthand how we prioritize your financial health while supporting the local community. Whether you're looking for personal banking solutions or business services, we're here to help you thrive. For any inquiries or assistance, feel free to reach out at 216-581-5581 during our lobby hours: - Monday - Thursday: 9:00 AM - 4:30 PM - Friday: 9:00 AM - 5:30 PM - Saturday: 9:00 AM - 1:00 PM Join us today at Emerald Credit Union where your success is our mission!

Our Mission

At Emerald Credit Union, our mission is clear: we strive to empower our members through personalized financial services while actively contributing to the well-being of our community. We believe in providing not just banking solutions but also valuable resources that help people make informed decisions about their finances. From checking and savings accounts to auto loans and credit cards with rewards, our offerings are designed with your needs in mind. We pride ourselves on being more than just a financial institution; we are a community hub that fosters partnerships and outreach efforts. Our dedication extends beyond banking as we engage in local initiatives aimed at improving the quality of life for residents in Garfield Heights and beyond.

Branch Location & Accessibility

Accessibility Features

At Emerald Credit Union, we prioritize accessibility for all our members. Our branch is ADA compliant, featuring ramps and easy access points to ensure that everyone can visit us without any hassle. If you're driving, we offer ample parking right outside the entrance, so you can quickly get in and out.

Call to Action

We invite you to come by and see how we can assist you with your financial journey. Feel free to give us a call at 216-581-5581 if you have any questions or need assistance before your visit. At Emerald Credit Union, we're here for you!

Operating Hours

We understand that life can be busy, which is why we have flexible operating hours tailored to fit your schedule. Our lobby is open Monday through Thursday from 9:00 AM to 4:30 PM, and on Friday until 5:30 PM. We also welcome you on Saturdays from 9:00 AM to 1:00 PM for those who prefer weekend banking.

Services Offered

At Emerald Credit Union, we provide a wide range of services designed to help you manage your finances effectively. From personal checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Our ATM is available for quick cash withdrawals and balance checks whenever you need it. While members can visit us at our physical location for personalized service, official correspondence should be sent to our mailing address at 13201 GRANGER RD STE 1, GARFIELD HTS, OH 44125.

Member Eligibility

At Emerald Credit Union, Inc., we believe that joining our community is about more than just opening an account; it's about becoming part of a supportive family. To become a member, you'll find that eligibility is designed to be inclusive. We welcome individuals who live, work, worship, or attend school in the areas we serve. This means if you're part of our local community, you likely qualify! You can learn more about the specific requirements by visiting this page, where we detail everything you need to know. Once you're ready to take the next step, opening an account with us is simple and straightforward. Our friendly team is here to guide you through the process. If you have any questions or would like assistance, don't hesitate to reach out at (216) 581-5581. Becoming a member at Emerald Credit Union, Inc. not only gives you access to a range of financial services but also connects you with a network dedicated to your financial well-being. We can't wait to welcome you!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer merchant services that simplify payment processing. Imagine serving your customers better with fast transactions and integrated solutions that keep everything running smoothly. Our goal is to help you focus on what matters most growing your business. Located at 13201 Granger Rd Ste 1 Garfield Hts Oh 44125 in Garfield Hts, OH, our team is ready to partner with you on your journey to success. Reach out at (216) 581-5581 or visit us online at Emerald Credit Union to explore how we can assist your business today!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Services

We understand that small businesses play a vital role in our economy. That's why we offer specialized business banking services that include merchant services and business loans to support your ventures. Whether you're just starting out or looking to expand, we're here to help your business thrive.

Convenient Digital Banking

In today's busy world, convenience is key. That's why we offer robust online and mobile banking features that allow you to manage your finances anytime, anywhere. You can easily check balances, transfer funds, and pay bills right from your device. Our members also benefit from access to ATMs for quick cash withdrawals and balance checks without hassle.

Personal Banking Solutions

Our personal banking services are designed to help you take control of your finances. You can open both checking and savings accounts that fit your lifestyle and financial goals. Need a new car? Our auto loans and vehicle financing options make it simple to get behind the wheel without breaking the bank. If you're dreaming of homeownership or want to refinance your current mortgage, our mortgage loans provide competitive rates to help you secure your dream home. For those unexpected expenses or consolidating debt, our personal loans offer flexible terms that can help relieve financial stress. Plus, with our credit cards featuring rewards, you can earn points on everyday purchases while managing your cash flow effectively.

Why Choose Us?

At Emerald Credit Union, we pride ourselves on being more than just a financial institution; we are part of the community. With our commitment to excellent customer service and personalized assistance, we're always ready to answer questions or guide you through any process. Feel free to reach out at 216-581-5581 if you have any inquiries about our services or need assistance with your banking needs. We invite you to visit us at our branch in Garfield Hts or explore more about us online at emeraldcu.com. Let us partner with you on your financial journey!

Digital & Online Banking

Key Features

One of the standout features is the ability to sign documents electronically with our electronic signature authorization. This means you can complete transactions without needing to visit a branch. You'll also love the convenience of e-statements, which allow you to view your financial statements online instead of waiting for them in the mail. Need to send money to friends or family? Our person-to-person transfer service lets you do just that quickly and securely. And if you're someone who enjoys using mobile payments, you'll be glad to know that our platform supports this feature as well.

Security and Support

We prioritize your security with robust measures in place to protect your information while you bank online. Our systems are designed with user-friendly navigation so you can easily find what you need without feeling overwhelmed. At Emerald Credit Union, Inc., we believe that managing your finances should be straightforward and efficient. With our range of digital banking services, you can enjoy real-time account management from the comfort of your home or while out and about. Discover more about how we can enhance your banking experience by visiting https://www.emeraldcu.com/ today!

Financial Strength

Committed Team Ready to Serve You

We also take pride in having 10 full-time employees and 1 part-time employee, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Our dedicated staff is here to assist you with any inquiries or needs you may have.

Growing Member Base

With a total of 6,968 share accounts, our growing member base shows that more people trust us with their finances each day. This trust is vital as it strengthens our community-focused approach. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Emerald Credit Union is your trusted partner. Visit us at 13201 Granger Rd Ste 1 Garfield Hts OH 44125 or call 216-581-5581 to learn more about how we can help you achieve your financial goals.

Member Savings & Investment Opportunities

Members' savings are secured through $2,809,949 in share certificates, offering stable and rewarding financial growth opportunities. While we prioritize our members above all else, it's important to note that our resources are focused on benefiting you through better loan rates and exclusive perks.

Reinvesting in Our Future Together

With $3,328,202 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. This commitment reflects our dedication to improving your banking experience.

Solid Financial Health

With a net worth of $3,456,559, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.43% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supporting Your Financial Goals

Our lending capacity supports members' financial goals across various sectors with $19,652,213 in total loans and leases. Additionally, we have facilitated 328 used auto loans, helping many of our members drive away in their dream vehicles.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $4,036,431 in used vehicle loans and $1,693,180 in new vehicle loans already helping members get on the road. We also provide refinancing options for those looking to lower their monthly payments or secure better rates.

Credit Lines

For added flexibility and convenience, our credit lines total $4,500,000, giving you access to funds when you need them most without the hassle of traditional loan applications. At Emerald Credit Union Inc., we believe that everyone deserves access to financial resources that work for them. If you're interested in learning more about our loan offerings or have questions regarding eligibility or refinancing options, please feel free to reach out at 216-581-5581. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step toward achieving your financial aspirations!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $3,040,715, designed to fit various budgets and needs. Whether you are a first-time homebuyer or looking to refinance your current mortgage, we can guide you through the process.

Unsecured Credit Card Loans

Managing everyday expenses can sometimes be challenging. We offer flexible terms on unsecured credit card loans with a total of $2,194,682 in loans helping members manage their finances effectively. These cards come with rewards and no hidden fees, making it easier for you to stay on top of your budget.

Loan Aggregator

Benefits of Using LendMesh

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Emerald Credit Union Inc