EMERALD COAST Rates and Review January 2026
Compare EMERALD COAST CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of EMERALD COAST savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates. Rate Updates and AvailabilityEMERALD COAST money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best CD rates or other rates available. Have you opened an account or have any experiences at EMERALD COAST? Share your experience about EMERALD COAST by leaving a review below, or read customer reviews before you decide to use EMERALD COAST. Overall, EMERALD COAST is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. Perryton National Bank EMERALD COAST FEDERAL CREDIT UNION 502 WOODWARD AVE PORT ST JOE, FL 32456 1744  CD & Savings Rate ComparisonShow More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
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Credit Card Rate ComparisonVISA Credit Card
7.900% - 15.900%
Maximum credit card amount offered is $10,000 with a 36-month term.
Student Select Rewards Visa
17.200%
Introductory rate of 0% APR for the first twelve months on balance transfers and cash purchases.
Security Service Power Cash Back World MasterCard
16.950% - 18.000%
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate ComparisonPayroll Savings Loan
17.900%
$0 - $500
Consolidation Loans
13.060%
$0
1 - 36
Signature Loan
12.490%
$0
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Our apologies, we do not have EMERALD COAST rate data right now. Credit Union Profile & OverviewCredit Union Name: EMERALD COAST
Website: https://www.emeraldcoastfcu.com
Full Time Employees: 18Part Time Employees: 1 President: Sue Gannon CEO: APRIL REDMOND Branch Locations: 3 ATM Locations: 3 Corporate Office Address:
502 WOODWARD AVE
PORT ST JOE, FL 32456 1744 Phone Number: 850-227-1156 Fax Number: 850-229-8584 FinancialsTotal Assets:
64,324,259
Total Amount of Shares and Deposits:
60,230,367
Total Shares and Deposits < 1 Year:
60,024,991
Total Shares and Deposits 1 3 Years:
205,376
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
4,599,553
Total Uninsured Shares and Deposits > $250K (F+J):
4,599,553
Total Insured Shares and Deposits > $250K (item 17 less item K):
55,630,814
Total Interest Expense (Sum of items 6 8):
412,623
Share Certificates:
277
Number of Accounts for Share Drafts:
3,515
IRA KEOGH Accounts:
98
Number of Accounts for Regular Shares:
5,485
All other shares:
13
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
3,251,625
Total Liabilities:
60,949,349
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About EMERALD COASTIs a member application needed to join EMERALD COAST?Yes, to access services at EMERALD COAST, a member application is required. Is there a first-time homebuyer program?Currently, EMERALD COAST provides a range of mortgage and home equity products. Is EMERALD COAST a safe place to deposit money?Yes, EMERALD COAST is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does EMERALD COAST offer online and mobile banking?Most modern institutions like EMERALD COAST provide digital access including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 3.00%, 6-month CD rates at 3.95% and 3-month CD rates at 0.90%. Savings rates are at 0.25% and money market rates are at 0.15%. Mortgage rates on 30-year fixed loans are around 5.96%. Credit Card rates are at 11.90%. Personal Loan rates are at 5.74%. All these rates, and more, can be found in our database of rates which you can compare to 
