Credit union · NCUA insured
Emerald Empire Federal Credit Union
A $28.9M credit union headquartered in Springfield, OR, with 2,538 members and 1 branch in Oregon. Best rates: CDs 3.55% and savings 0.25% APY.
Emerald Empire Federal Credit Union Carrot Score
78
Carrot Score
Higher than 46% of U.S. banks and credit unions
#10 of 21 in Eugene, OR metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Emerald Empire Federal Credit Union
Emerald Empire Federal Credit Union was organized on November 8, 1954, when the printer's union of Guard Publishing negotiated to establish a credit union for employees.
Originally known as the Register-Guard Federal Credit Union, it merged with McKenzie Valley Credit Union in 2017 and adopted its current name in 2019.
The member-owned cooperative converted to a community charter in September 2024, serving individuals and legal entities across Lane County, Oregon.
- Headquarters
- 850 Beltline Rd, Springfield, OR 97477
- NCUA charter
- 9877
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This may be incomplete or out of date, so check with the credit union before you apply.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 (or regularly conducts business in), worships, or attends school in, and businesses and other legal entities located in Lane County, Oregon.
Family and household
- Family members of EEFCU members, regardless of location, are eligible to join.
Cost to join
- An initial share deposit of at least $25 is required, which will be held in the account for the life of membership.
Branches
1 branch in Oregon
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Oregon
1 branch
- Emerald Empire Federal Credit UnionMain office850 Beltline Rd, Springfield, OR 97477Directions
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 | 20.16% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.64% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.08% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $92 | $59 | — |
- CapitalNet worth ratio20.16%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.64%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.08%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$92Peers’ 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 Empire Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.