Emerald Credit Association Federal Credit Union

Headquarters: Greenwood, South Carolina
Charter: Credit Union
Assets: $10.3M
Fed district: Richmond

15 published fees; none has a market median to compare yet.

Source: its fee schedule, read Feb 17, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

NSF / Returned Item
Emerald Credit Association Federal Credit Union: $30
Emerald Credit Association Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Emerald Credit Association Federal Credit Union: $2
Emerald Credit Association Federal Credit Union: $2
U.S. median: no median
Stop Payment
Emerald Credit Association Federal Credit Union: $30
Emerald Credit Association Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Feb 17, 2026View sources

Each amount links to the fee schedule it was read from. Medians for South Carolina, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
South Carolina: Banks and credit unions headquartered in South Carolina that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Emerald Credit Association Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Closing a Club account within 90 days of opening$25
Inactive Share Draft Account Fee after 1 quarter$2.50
Inactivity Fee$10

Overdraft & NSF

Returned Item Fee$30
per item
Checking overdraft transfer fee from saving or other account$1
per item

ATM & Card

ATM Transaction fee (per transaction over three per month)$2
per item
ATM card replacement$10

Wire Transfers

Wire transfer (international) fee (per transfer)$50
per item

Check Services

Check Request or Cashier check fee (per draft)$3
per item
Money order fee (per money order)$1.75
per item
Stop payment request fee (per request checking or ach)$30
per item
Check Cashing$20
Check cashing fee = non checking account$3
Check copy fee (per item)$3
per item

Account Services

Loan and Account Verification$25
Not compared: Monthly charge, not per item
per month

Lending Fees

Late Fee for loan after 10 days$25

Gift & Prepaid Cards

Visa Gift Cards$3

Other Fees

Member Fax per page$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Closing a Club account within 90 days of opening	$25	Not stated	None
Inactive Share Draft Account Fee after 1 quarter	$2.50	Not stated	None
Inactivity Fee	$10	Not stated	None
Overdraft & NSF
Returned Item Fee	$30	per item	None
Checking overdraft transfer fee from saving or other account	$1	per item	None
ATM & Card
ATM Transaction fee (per transaction over three per month)	$2	per item	None
ATM card replacement	$10	Not stated	None
Wire Transfers
Wire transfer (international) fee (per transfer)	$50	per item	None
Check Services
Check Request or Cashier check fee (per draft)	$3	per item	None
Money order fee (per money order)	$1.75	per item	None
Stop payment request fee (per request checking or ach)	$30	per item	None
Check Cashing	$20	Not stated	None
Check cashing fee = non checking account	$3	Not stated	None
Check copy fee (per item)	$3	per item	None
Account Services
Loan and Account Verification	$25Not compared: Monthly charge, not per item	per month	None
Lending Fees
Late Fee for loan after 10 days	$25	Not stated	None
Gift & Prepaid Cards
Visa Gift Cards	$3	Not stated	None
Other Fees
Member Fax per page	$1	per item	None

Correct a fee source

Feb 17, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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