Credit union · Privately insured
Emerald Credit Union Savings Rates
Emerald Credit Union’s best savings rate is 0.01% APY on $10,000, with its Share Savings Account. Rates checked October 16, 2026.
How Emerald Credit Union’s savings 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
0.01%APY
- Minimum
- $5
- Earns on $10,000 a year
- $1
Share Savings Account
Top rate
Century Federal Credit Union
5.00%APY
- Minimum
- $100
- Earns on $10,000 a year
- $500
2nd-highest rate
CFBank
4.25%APY
- Minimum
- —
- Earns on $10,000 a year
- $425
Emerald Credit Union savings score
60
Savings score
Higher than 0% of U.S. banks and credit unions
- $1,000 balance$1,0000.01%
- $10,000 balance$10,0000.01%
- $100,000 balance$100,0000.01%
- QualifiedQualified0.01%
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 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 Account
0.01%APY
Establishes credit union membership. Minimum par value deposit of $5.00 required and must be maintained at all times. Dividends compounded and posted quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upMinimum average daily balance of $500.00 to earn dividends. Dividends compounded quarterly.$500 and up | 0.01% | $1 | Minimum average daily balance of $500.00 to earn dividends. Dividends compounded quarterly. |
Sources (2)
All captured Oct 16, 2026
Special Savings Account
0.01%APY
Used to keep funds separate for budgeting or specific savings goals. No early withdrawal penalty. Subject to Regulation D.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upMinimum average daily balance of $500.00 to earn dividends. Dividends compounded quarterly.$500 and up | 0.01% | $1 | Minimum average daily balance of $500.00 to earn dividends. Dividends compounded quarterly. |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Christmas Club Account
0.01%APY
Used to save money for holiday spending. Funds automatically transferred to associated Savings Account on November 1st (or the next business day). Fee assessed for withdrawals made prior to November 1st.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upMinimum average daily balance of $500.00 to earn dividends. Dividends compounded quarterly. Early withdrawal fee applies prior to November 1st.$500 and up | 0.01% | $1 | Minimum average daily balance of $500.00 to earn dividends. Dividends compounded quarterly. Early withdrawal fee applies prior to November 1st. |
Sources (2)
All captured Oct 16, 2026
IRA Accumulator Account
0.01%APY
Can be set up as Traditional or Roth IRA. Deposits may be made at any time.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upMinimum average daily balance of $1,000.00 to earn dividends. Dividends compounded quarterly.$1,000 and up | 0.01% | $1 | Minimum average daily balance of $1,000.00 to earn dividends. Dividends compounded quarterly. |
Sources (2)
All captured Oct 16, 2026
Youth Share Savings Account
0.01%APY
Designed for youth/minors (Kids Club ages 0-10, Adoles¢ents ages 11-14). Requires a parent, legal guardian, or immediate family member as joint owner. Minimum par value deposit of $5.00 required. No paper statement fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum average daily balance of $50.00 to earn dividends. Dividends compounded quarterly.$50 and up | 0.01% | $1 | Minimum average daily balance of $50.00 to earn dividends. Dividends compounded quarterly. |
Sources (2)
All captured Oct 16, 2026
Who can join Emerald Credit Union
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