Emerald Coast Credit Union

Port St Joe, Florida
Last verified: August 3, 2026
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Verified rate book

Current Emerald Coast Credit Union rates

25 published offers verified as of August 3, 2026.

How we verify rates

Auto & vehicle rates

4 offers
Emerald Coast Credit Union auto & vehicle rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
36-Month New Auto Loan (2025 and Newer)auto_new_36mo3.490% APR3.490%36 mo · newStandard
36-Month Used Auto Loan (2024 and Older)auto_used_36mo3.990% APR3.990%36 mo · usedStandard
New Recreational/Other Collateral (2025 and Newer)powersports_new_36mo5.990% APR5.990%36 mo · newStandard
Used Recreational/Other Collateral (2024 and Older)powersports_used_36mo6.490% APR6.490%36 mo · usedStandard

Personal loan rates

5 offers
Emerald Coast Credit Union personal loan rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Personal Line of Creditploc_variable2.000% APR2.000%—Standard
Personal Line of Creditploc_variable3.000% APR3.000%—Standard
Consolidationpersonal9.900% APR9.900%—Standard
Personal/Signaturepersonal_unsecured9.900% APR9.900%—Standard
Personal LOCploc_variable9.900% APR9.900%—Standard

Credit card rates

1 offer
Emerald Coast Credit Union credit card rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Credit Cardcredit_card9.900% APR9.900%—Standard

Savings & CD rates

15 offers
Emerald Coast Credit Union savings & cd rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Christmas Club/Special Accountsavings0.01% APY0.01%—Standard
91 Days Certificatecd1.50% APY1.49%—Standard
Share & IRA Certificates - 91 Daysira_cd_3mo1.50% APY1.49%3 moStandard
36-Month Certificatecd_36mo2.02% APY2.00%36 moStandard
36-Month IRA Certificateira_cd_36mo2.02% APY2.00%36 moStandard
24-Month IRA Certificateira_cd_24mo2.27% APY2.25%24 moStandard
24-Month Certificatecd_24mo2.27% APY2.25%24 moStandard
30-Month Certificatecd_30mo2.27% APY2.25%30 moStandard
30-Month IRA Certificateira_cd_30mo2.27% APY2.25%30 moStandard
18-Month Certificatecd_18mo2.38% APY2.35%18 moStandard
18-Month IRA Certificateira_cd_18mo2.38% APY2.35%18 moStandard
12-Month Certificatecd_12mo2.50% APY2.47%12 moStandard
12-Month IRA Certificateira_cd_12mo2.50% APY2.47%12 moStandard
6-Month Certificatecd_6mo3.25% APY3.20%6 moStandard
6-Month IRA Certificateira_cd_6mo3.25% APY3.20%6 moStandard

Vehicle loans available from 3.49% APR for 36 months. Personal loan rates from 2% APR. Credit card rates from 9.9% APR. Savings and certificate yields up to 3.25% APY.

Source: RateAPI.dev, verified from Emerald Coast Credit Union's official website

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About Emerald Coast Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
5.2K
Assets
$64.2M
Founded
1939
Locations reported
3
NCUA charter
3388
Charter type
Federal credit union

Services and member support

  • Online membership application
  • Online loan application
  • Electronic statements
  • Mobile payments
  • Financial counseling
  • Student scholarships

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

TyndallPort St Joe · Port St Joe · FL · 32456-1774Branch in the same ZIPHelloCallaway Office · Panama City · FL · 32404-6722About 28.3 miles awayInnovations FinancialInnovations FCU-Callaway · Panama City · FL · 32404-6431About 28.3 miles awayPanhandlePanhandle Credit Union · Panama City · FL · 32404-9749About 28.3 miles awayChampions FirstPanama City · Panama City · FL · 32405About 34.3 miles awayFirst CommerceStanford Centre Panama City Financial Center · Panama City · FL · 32405-3689About 34.3 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Emerald Coast Credit Union

Membership eligibility from Emerald Coast Credit Union's own published criteria. How we verify this.

Community charter: live/work in Gulf, Franklin

  • LocationGulf, Franklin

Verified from Emerald Coast Credit Union's membership page. Final membership determination is always made by the credit union.

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Frequently Asked Questions

What rates does Emerald Coast Credit Union offer?

Emerald Coast Credit Union currently offers vehicle loan, personal loan, and credit card rates. The rates shown on this page were last verified August 3, 2026 directly from the credit union's official website.

How often are Emerald Coast Credit Union rates updated?

RateAPI verifies Emerald Coast Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 3, 2026.

Where does RateAPI get Emerald Coast Credit Union's rate data?

Rate data is collected directly from Emerald Coast Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What are Emerald Coast Credit Union's auto & powersports loan rates?

As of August 3, 2026, Emerald Coast Credit Union offers vehicle loans from 3.49% APR.

What is Emerald Coast Credit Union's personal loan rate?

As of August 3, 2026, Emerald Coast Credit Union offers personal loans from 2% APR.

What is Emerald Coast Credit Union's best CD rate?

As of August 3, 2026, Emerald Coast Credit Union offers savings and certificate (CD) yields up to 3.25% APY.

Related Rate Data

Compare Emerald Coast Credit Union's rates against national credit-union benchmarks.

More Florida credit unionsAuto loan rate benchmarkPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Track Emerald Coast Credit Union rates

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Access this data programmatically with our REST API

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# Get rates for Emerald Coast Credit Union
curl "https://api.rateapi.dev/credit-unions/florida/emerald-coast" \
  -H "Authorization: Bearer YOUR_API_KEY"
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