Membership
Emerald Credit Union serves communities and Select Employment Groups (SEGs) in all of Cuyahoga County, and membership is available to family of existing members as well. If you live, work, worship, or attend school in Cuyahoga County, you may open an account and unlock the many benefits of Emerald Credit Union membership.
Ready to Become a Member?
⭐Earn a $25 Bonus when You Open a New Savings Account Online!*⭐
Cuyahoga County residents: You may establish membership online by opening an individual Share Savings Account. This completely digital onboarding process allows you to skip the branch, and establish membership at your own convenience.
How It Works: Please be prepared with your valid driver's license or state ID. Once your membership documents are electronically signed, you will receive an automated
email containing a link to set up your Digital Branch online banking account and fund your new Savings Account with a debit card or credit card.
Make sure to check your spam or junk folder for this email. You will then receive email communication from a real, live credit union representative asking you to upload an image of your ID, and complete a Member Identification Survey that is required by state and federal regulation.
Please note: There is a small fee to fund your account online with a debit or credit card. However,
the fee amount will be credited to your new account once your ID image and Member Identification Survey are received, and your membership is approved.
If you prefer to establish membership in person, you may visit our
branch instead.
Non-Cuyahoga County residents who work, worship, or attend school in Cuyahoga County: You must visit our
branch with your
valid ID and a minimum deposit of
$5.00. We'll take care of the rest!
*New members only. Must be eligible for Emerald Credit Union membership, and must pass ID verification and ChexSystems requirements. New account/membership must be opened online to qualify. The $25 bonus will be given as a deposit into your share savings account. The new account must be funded with a minimum of $5.00, your driver's license image and completed Member Identification Survey must be received, and your membership must be approved before bonus will be deposited. Subject to change without notice.
The Details
Emerald Credit Union requires a minimum deposit (par value) of only $5.00 into a Share Savings Account to become a member. Once you become member, you are immediately eligible to apply for any of our other products and services.
The U.S. Patriot Act of 2001 requires all financial institutions to take proper measures in verifying the identity of each person wishing to open an account. Each individual who establishes a new account with Emerald Credit Union must provide proof of the following information prior to opening the account, without exception:
- Name
- Date of birth
- Address or mailing address, if different
- U.S. Persons - social security number or tax identification number
- Non-U.S. Persons - tax identification number, passport number, number of other government issued document providing nationality or residence, and bearing a photograph
- Entity/Non-Person - name, place of business and employer identification number
At least one document provided must be a non-expired government issued photo identification card (driver’s license, state ID). Any other identification may be a social security card, utility bill or paycheck stub, providing it contains the information required.
USA Patriot Act - Member Identification Requirements:
To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
When you open an account, we will ask you for your name, street address, date of birth, and other information that will allow us to identify you. We may also ask to see your Driver’s License or other identifying documents.
ChexSystems Requirement:
All membership applicants will be screened through ChexSystems.
Consumer Reports:
By submitting a membership application, you authorize Emerald Credit Union to obtain a consumer credit report to evaluate your creditworthiness, so that you may be considered for other Emerald Credit Union products and services. You also authorize Emerald Credit Union to obtain consumer reports for purposes of evaluating the membership application and reviewing any Emerald Credit Union accounts you open. You understand these reports may be used in decisions to deny account applications.