Emerald Credit Association FCU Savings & Money Market Rates

How Emerald Credit Association FCU’s savings rates compare

Compared with banks and credit unions near Greenwood, SC, where Emerald Credit Association FCU has the most branches. $10,000, best rate first.

This credit union’s best
Emerald Credit Association FCU
0.02%APY
Requires
None
Minimum
$25
Earns on $10,000 a year
$2
Share Savings
Top rate
HopeSouth Credit Union
2.00%APY
Requires
Monthly account activity
Minimum
$1,500
Earns on $10,000 a year
$200
HopeSouth Credit Union rates
2nd-highest rate
South Carolina State Credit Union
1.01%APY
Requires
None
Minimum
$1,000
Earns on $10,000 a year
$101
South Carolina State Credit Union rates

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Savings score

Higher than 3% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.05%
$10,000 balance$10,0000.05%
$100,000 balance$100,0000.05%
QualifiedQualified0.05%

Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.

How the score works →

Where Emerald Credit Association FCU ranks

By savings score, in each area where it has branches

Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Share Savings

Up to 0.05%APY$25 to open

The Par Value of a Membership Share is $25.00. $100.00 minimum balance to earn APY set forth in schedule.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceDividends compounded, credited, and dividend period monthly. Stated in separate Share Savings Account table.	0.05%	$5	Dividends compounded, credited, and dividend period monthly. Stated in separate Share Savings Account table.
$100 and upDividends compounded, credited, and dividend period monthly. Minimum balance of $100.00 to earn APY.	0.02%	$2	Dividends compounded, credited, and dividend period monthly. Minimum balance of $100.00 to earn APY.

Sources (1)

emeraldcu.com/rates/deposit-rates · captured Oct 4, 2026

Non-Dividend

0.00%APY

Dividends compounded, credited, and dividend period monthly.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceDividends compounded, credited, and dividend period monthly.Any balance	0.00%	$0	Dividends compounded, credited, and dividend period monthly.

Sources (1)

emeraldcu.com/rates/deposit-rates · captured Oct 4, 2026

Special-purpose accounts

Christmas Club

0.02%APYClub

Plan period 11/01 thru 10/31 each year. Deposits allowed. Early withdrawal from account is $10.00 per withdrawal. Distribution methods: Deposit to Primary Share Acct., Cash or Check. Dividends compounded, credited, and dividend period monthly.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balancePlan period 11/01 thru 10/31 each year. Early withdrawal fee $10.00 per withdrawal. Dividends compounded, credited, and dividend period monthly.Any balance	0.02%	$2	Plan period 11/01 thru 10/31 each year. Early withdrawal fee $10.00 per withdrawal. Dividends compounded, credited, and dividend period monthly.

Sources (1)

emeraldcu.com/rates/deposit-rates · captured Oct 4, 2026

Vacation Club

0.02%APYClub

Plan period 5/1 to 4/30. Distribution methods: Deposit to Primary Share Acct., Cash or Check. Dividends compounded, credited, and dividend period monthly.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balancePlan Period 5/1 to 4/30. Dividends compounded, credited, and dividend period monthly.Any balance	0.02%	$2	Plan Period 5/1 to 4/30. Dividends compounded, credited, and dividend period monthly.