Credit union · NCUA insured
Emerald Credit Association FCU
A $10.9M credit union headquartered in Greenwood, SC, with 1,202 members and 1 branch in South Carolina. Best rates: savings 0.05% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: carrot has not captured enough rates to score this yet. Auto loans: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all). Credit cards: no rates found on its website.
- Savings610.05%at $1,000Savings rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Emerald Credit Association FCU
Chartered in 1968 as The Moore Greenwood Federal Credit Union, Emerald Credit Association FCU is a member-owned credit union.
After changing its name in 1978, it now operates as a community charter credit union serving Greenwood County.
- Headquarters
- 2117 Kateway, Greenwood, SC 29646
- NCUA charter
- 19047
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Greenwood County.
Branches
1 branch in South Carolina
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South Carolina
1 branch
- Emerald Credit Association FCUMain office2117 Kateway, Greenwood, SC 29646Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.39% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.00% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.36% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $77 | $59 | — |
- CapitalNet worth ratio8.39%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.00%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.36%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$77Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Emerald Credit Association FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.