Emblem Credit Union

Headquarters

P O Box 1400
Gadsden, AL 35902
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Notable Rates	APY	Vs.Others
Savings	N.A.	5.50% →
1-Year CD	0.90%	4.59% →
2-Year CD	1.11%	4.25% →
5-Year CD	1.51%	4.00% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Membership
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

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 - December 30, 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	Learn More Reviews
Money Market	0.35%	$10,000	$14,999	Learn More Reviews
Money Market	0.45%	$25,000	$29,999	Learn More Reviews

CD Rates (Share Certificate Rates)	APY	MIN	MAX
6 Mo CD	0.80%	$10,000	$14,999	Learn More Reviews
6 Mo CD	0.80%	$100,000	$199,999	Learn More Reviews
12 Mo CD	0.90%	$10,000	$14,999	Learn More Reviews
12 Mo CD	0.90%	$100,000	$199,999	Learn More Reviews
24 Mo CD	1.11%	$10,000	$14,999	Learn More Reviews
24 Mo CD	1.11%	$100,000	$199,999	Learn More Reviews
36 Mo CD	1.26%	$10,000	$14,999	Learn More Reviews
36 Mo CD	1.26%	$100,000	$199,999	Learn More Reviews
48 Mo CD	1.36%	$10,000	$14,999	Learn More Reviews
48 Mo CD	1.36%	$100,000	$199,999	Learn More Reviews
60 Mo CD	1.51%	$10,000	$14,999	Learn More Reviews
60 Mo CD	1.51%	$100,000	$199,999	Learn More Reviews

Variable IRA Rates	APY	MIN	MAX
Var IRA	0.15%	$1	$499	Learn MoreShow Less

Checking Rates	APY	MIN	FEE
nHanced Checking	3.25%	$0	$0.00	Learn MoreShow Less

Loan Rates - December 30, 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: 2578474	6.620%	6.500%	0.88	$4,010	$2,023	Learn More
NMLS ID: 66247	6.715%	6.625%	0.88	$2,989	$2,049	Learn More
NMLS ID: 1025894	6.961%	6.875%	0.63	$2,806	$2,103	Learn More
NMLS ID: 2592312 License#: RM.805266.000	6.977%	6.875%	0.63	$3,497	$2,103	Learn More

See More Mortgage Rates →

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Rate See Table	Intro APR 7.900 % After Intro: 7.900 %	$25,000	Learn More More Info
A Guaranteed Rate HELOC is secured with your home as collateral, whereas personal loans and credit cards are not. To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Guaranteed Rate Home Equity Line is an open-end product where the full loan amount (minus lender, broker, third party, and governement fees, as applicable) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Apply in 5 minutes, get your money in as fast as 5 days. Digital application experience. Funds directly to your bank account. No in-person appraisal needed.
Achieve Loans See Table	Intro APR 10.625 % After Intro: 10.625 %	$0	Learn More More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501), Equal Housing Lender. All loan requests are subject to eligibility requirements, application review, loan amount, loan term, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio, and combined loan-to-value ratio. Minimum 640 credit score applies for debt consolidation requests, minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 8.75% - 15.00% and are assigned based on underwriting requirements; offer APRs include a .50% discount for automatic payment enrollment (autopay enrollment is not a condition of loan approval). Example: average HELOC is $57,150 with an APR of 12.75% and estimated monthly payment of $951 for a 15-year loan. 10, 15, 20, and 30-year terms available (20 and 30 year terms only available for cash out requests). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan-to-value ratio may not exceed 80%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

See More Home Equity Rates →

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
Alabama Teachers Credit Union	408.24	A	View Lobby Hours
Alabama Teachers Credit Union	425.69	B	View Lobby Hours
Alabama Teachers Credit Union	428.92	C	View Lobby Hours
Alabama Teachers Credit Union	441.06	D	View Lobby Hours
Alabama Teachers Credit Union	458.00	E	View Lobby Hours
Alabama Teachers Credit Union	458.00	F	View Lobby Hours
Alabama Teachers Credit Union	463.25	G	View Lobby Hours

View Branches Nationwide →

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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