2024 Overview
General Credit Union Information
Emblem is an NCUA insured institution located in Gadsden, AL. It was founded in 1959 and has approximately $550.27 millions in assets.
Who can join?
• Live, work, or attend school in Calhoun, Cherokee, DeKalb, Etowah, or Marshall County.
• Or, be a family member of an existing ATCU member. A family member is defined as "related by blood or marriage."
• Organizations with a main office, regional office, or branch office in Calhoun, Cherokee, DeKalb, Etowah, or Marshall County are also eligible to join!
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 67252 |
| Date Established | 1959 |
| Assets | $550.27 million |
| Loans | $409.14 million |
| Deposits | $474.97 million |
| Capital | $58.88 million |
Field of Membership Restrictions
Eligibility for Alabama Teachers CU membership is open to residents, all employees, and enrolled students in these Alabama Counties; Calhoun, Cherokee, Dekalb, Etowah, and Marshall. You can also qualify for membership if you have a family member that is currently a CU member or if you are a member or a representative for any organization that has a main office in any of the previously mentioned counties.
See current membership details
Deposit Rates - November 17, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
|
Money Market
|
0.25% | $2,500 | $2,999 |
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|
|
Money Market
|
0.35% | $10,000 | $14,999 |
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|
|
Money Market
|
0.45% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.80% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.90% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.90% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
1.11% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
1.11% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.26% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.26% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.36% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.36% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.51% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.51% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.15% | $1 | $499 | Learn More |
| Checking Rates | APY | MIN | FEE | |
|---|---|---|---|---|
| nHanced Checking | 3.25% | $0 | $0.00 | Learn More |
Loan Rates - November 17, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Emblem
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1025894 |
6.868% | 6.750% | 1.00 | $3,884 | $2,076 | Learn More |
NMLS ID: 1907 |
7.181% | 7.125% | 0.63 | $1,802 | $2,156 | Learn More |
NMLS ID: 3030 |
7.225% | 7.125% | 1.00 | $3,200 | $2,156 | Learn More |
NMLS ID: 1907 |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Note to Emblem
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are Emblem branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Emblem Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 408.24 | A | View Lobby Hours | |
| 425.69 | B | View Lobby Hours | |
| 428.92 | C | View Lobby Hours | |
| 441.06 | D | View Lobby Hours | |
| 458.00 | E | View Lobby Hours | |
| 458.00 | F | View Lobby Hours | |
| 463.25 | G | View Lobby Hours |
Climate Policy and Initiatives
EMBLEM is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Emblem Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Emblem. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Emblem | U.S. Average |
|---|---|
| 7.06% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Emblem had $4,417,501 in non-current loans and $8,433 in owned assets. To cover these potential losses it had $58,880,333 in net worth and $3,775,269 in loans loss reserves. That gives it a Texas Ratio of 7.06%.
Net Worth
| Emblem | U.S. Average |
|---|---|
| 10.7% | 13.93% |
Emblem FCU has a net worth of 10.7% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Emblem
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