Credit union · Privately insured
Emerald Credit Union CD Rates
Emerald Credit Union’s best CD rate is 3.50% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Emerald Credit Union’s CD rates compare
Compared with banks and credit unions near Cleveland, OH, where Emerald Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Emerald Credit Union
3.50%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $350
Share Certificate
Top rate
7 17 Credit Union
4.75%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,612
2nd-highest rate
First Federal Savings of Lorain
4.60%APY
- Term
- 35 months
- Requires
- Another account
- Minimum
- $250
- Earns on $10,000
- $1,402
Emerald Credit Union CD score
67
CD score
Higher than 18% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo0.10%
- 31–60 months31–60 mo0.25%
- QualifiedQualified3.50%
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.
Where Emerald Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 3.50%APY · 6 terms
A time-deposit account where funds are held for a specific term. Minimum deposit of $1,000.00 is required. Additional deposits cannot be made until maturity. Automatically renews for the same term at the current dividend rate upon maturity, with a seven-day grace period. Dividends are compounded daily and paid quarterly. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends compounded daily and paid quarterly. Penalties may apply for early withdrawal | 3.25% | $161 |
| 12 monthsDividends compounded daily and paid quarterly. Penalties may apply for early withdrawal | 3.50% | $350 |
| 24 monthsDividends compounded daily and paid quarterly. Penalties may apply for early withdrawal | 0.10% | $20 |
| 36 monthsDividends compounded daily and paid quarterly. Penalties may apply for early withdrawal | 0.20% | $60 |
| 48 monthsDividends compounded daily and paid quarterly. Penalties may apply for early withdrawal | 0.20% | $80 |
| 60 monthsDividends compounded daily and paid quarterly. Penalties may apply for early withdrawal | 0.25% | $126 |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
IRA Certificate
Up to 3.50%APY · 6 terms
An IRA Certificate may be set up as either a Traditional or Roth retirement account. All IRA Certificates have specific guidelines from the IRS about when and how withdrawals can be made. A minimum deposit of $1,000.00 is required. Additional deposits cannot be made until maturity. Automatically renews for the same term at current dividend rates upon maturity, with a seven-day grace period. Dividends are compounded daily and paid quarterly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends compounded daily and paid quarterly. Penalties may apply for early withdrawal. Subject to IRS guidelines | 3.25% | $161 |
| 12 monthsDividends compounded daily and paid quarterly. Penalties may apply for early withdrawal. Subject to IRS guidelines | 3.50% | $350 |
| 24 monthsDividends compounded daily and paid quarterly. Penalties may apply for early withdrawal. Subject to IRS guidelines | 0.10% | $20 |
| 36 monthsDividends compounded daily and paid quarterly. Penalties may apply for early withdrawal. Subject to IRS guidelines | 0.20% | $60 |
| 48 monthsDividends compounded daily and paid quarterly. Penalties may apply for early withdrawal. Subject to IRS guidelines | 0.20% | $80 |
| 60 monthsDividends compounded daily and paid quarterly. Penalties may apply for early withdrawal. Subject to IRS guidelines | 0.25% | $126 |
Sources (2)
All captured Sep 18, 2026
Who can join Emerald Credit Union
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