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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
EMERALD COAST Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 26, 2026
EMERALD COAST's Share & IRA CDs 6 month rates are at 3.25%, Share & IRA CDs 12 month rates are at 2.50%, Share & IRA CDs 18 month rates are at 2.38%, Share & IRA CDs 24 month rates are at 2.27%, Share & IRA CDs 30 month rates are at 2.27%. EMERALD COAST's Personal Loan Rates are at 9.90%. MonitorBankRates evaluates the financial stability of EMERALD COAST with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.66%. Rates were last updated on 03/26/2026. EMERALD COAST money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and 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. Perryton National Bank
EMERALD COAST FEDERAL CREDIT UNION 502 WOODWARD AVE
https://www.emeraldcoastfcu.com PORT ST JOE, FL 32456 1744 
EMERALD COAST CD Rates
EMERALD COAST Savings Rates
EMERALD COAST Credit Card Rates
EMERALD COAST Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for EMERALD COAST is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather EMERALD COAST rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with EMERALD COAST's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
EMERALD COAST
Website
https://www.emeraldcoastfcu.com
Address
502 WOODWARD AVE,
PORT ST JOE, FL 32456 1744
Phone
850-227-1156
Fax
850-229-8584
President
Sue Gannon
CEO
APRIL REDMOND
Full-Time Employees
18
Part-Time Employees
1
Branch Locations
3
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (95/100)
Texas Ratio
10.66%
Return on Assets (ROA)
-0.2864%
Return on Equity (ROE)
-3.5708%
Non-Performing Loans Ratio (NPL)
1.32%
Total 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
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About EMERALD COASTIs EMERALD COAST a safe place to deposit money?Yes, EMERALD COAST is considered a safe financial institution. With a Texas Ratio of 10.66282158212%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does EMERALD COAST operate?EMERALD COAST currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join EMERALD COAST?Yes, to access services at EMERALD COAST, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, EMERALD COAST does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, EMERALD COAST provides members with tools to manage their accounts and build a solid financial history. Does EMERALD COAST offer online and mobile banking?Most modern institutions like EMERALD COAST provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.emeraldcoastfcu.com. Current EMERALD COAST Rates
Retrieved from our database of financial products. Rates subject to change.
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