Finance your ride with Emblem CU.
Buy or refinance your car, truck, or SUV, at a payment and loan term you can afford.
Benefits You’ll Love
- Free pre-approval
- Quick decision-making
- Competitive rates on new or used vehicles
- Optional protection plans that provide peace-of-mind
Special auto loan financing to celebrate our new name!
Now through January 15th, save money with an auto loan as low as 5.25% APR*! PLUS- Be entered to win $1000 when you finance**!
Offer valid for vehicles model year 2016 and newer. Up to 84 months. Option for a 45-day payment deferral.
*APR=Annual Percentage Rate. Must meet membership and credit requirements to obtain loan. Rate may vary based on each individual borrower’s credit history and other underwriting factors. Term of up to 84 months for year models 2016-2024. Estimated monthly repayment amount of $14.25 per $1,000.00 borrowed. Borrower(s) may elect to defer the first payment due date up to 45 days from the date the loan is originated; however, interest will continue to accrue from origination until the date of the first payment. Programs, rates, terms, and conditions subject to change without notice. This promotion cannot be combined with other offers. For more information, see an Emblem Credit Union loan officer. Insured by NCUA. NMLS# 402558. **No purchase necessary. Purchase or signing up for any services will not increase the chances of winning. Membership not required for participation. Must be 18 years of age or older and a U.S. resident to participate. Winners will be drawn at random from all eligible automatic and manual entries, as provided in the Official Rules, received from Tuesday, October 15, 2024 through Wednesday, January 15, 2024. Contact the Credit Union at (800) 470-0704 or (256) 543-7040; write us at Emblem Credit Union, P.O. Box 1400, Gadsden, Alabama 35902; or visit our website at emblemcu.com to obtain a complete copy of the Official Rules for this promotion. Entry in this promotion or acceptance of any prize constitutes acceptance of the Official Rules.
- Competitive rates on new or used vehicles
- A wide range of terms customized to your unique situation
- Free pre-approval available for extra bargaining power at the dealership
- Refinance your current vehicle to potentially lower your rate
- Find peace-of-mind after your purchase with a couple of protection plans:
- Guaranteed Asset Protection (GAP)
- Debt protection plans
- Quick, local decision-making and processing
- Attentive, friendly service from start to finish
Find the Right Ride
Visit our J.D. Power Valuation Services Page to get up-to-the-minute vehicle pricing and information.
What Now?
View our handy Borrower's Guide to determine your next steps.
Guaranteed Asset Protection (GAP) protects individuals who finance a new or used vehicle from the financial gap.
GAP covers the difference between the actual cash value of your vehicle and the loan/lease balance as of date of loss, less delinquent payments, late charges, accrued interest, refundable service warranty contracts and other related charges.
GAP will also cover the actual deductible amount stated in your primary insurance policy up to $500 or $1000, depending on program limits, in the event of a covered GAP claim. Ask your loan officer for details of the GAP program offered by the credit union.
Ask about available vehicle service contracts for new and pre-owned vehicles.
Service contracts provide the following features and benefits:
- Nationwide protection
- Available on both new and pre-owned vehicles
- Roadside assistance reimbursement
- Rental vehicle reimbursement
- Tire protection and trip interruption for the term of your coverage
- Transferable coverage if you sell your vehicle before your contract expires
- Fully insured program
- Direct payment to repair facility
- One deductible per visit
- Increased resale value
- Licensed claims adjusters
Five levels of protection are available: Copper Standard, Copper Premium, Silver, Gold, and Platinum. Ask your loan officer for details today.
{{ auto-loans-2016-2024-rate }}
{{ auto-loans-2009-2015-rate }}
{{ buy-vs-lease-calc }}
{{ simple-loan-calc }}
Insurance and warranty products are not products of the credit union; and are not obligations of or guaranteed by the credit union. Insurance or warranties may be purchased from an agent or an insurance company of the Member's choice, and the credit union makes no representations as to the services of any provider.
Use this calculator to determine your projected earnings from our nHanced Checking account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly dividends earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificate can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Auto Loans (2009 - 2015)
| APR1 As Low As | Terms2 | Repayment Amounts Per Month (per $1000 Borrowed) |
|---|---|---|
| 5.75% | Up to 24 Months | $44.21 |
| 6.25% | Up to 36 Months | $30.54 |
| 6.50% | Up to 48 Months | $23.71 |
| 7.00% | Up to 60 Months | $19.80 |
1 The Annual Percentage Rate (APR) you receive will be based on your credit worthiness. Please ask us about your qualifying rate. The rate may vary depending on each individual's credit history and underwriting factors. For more information, please contact Emblem Credit Union at (800) 470-0704. All rates, programs, terms and conditions are subject to change without notice.
2 Conditions apply, and terms may be limited by loan amount, credit history and other factors. Not all collateral items qualify for terms shown.
Auto Loans (2016 - 2019)
| APR1 As Low As | Terms2 | Repayment Amounts Per Month (per $1000 Borrowed) |
|---|---|---|
| 6.25% | Up to 48 Months | $23.60 |
| 6.50% | Up to 60 Months | $19.57 |
1 The Annual Percentage Rate (APR) you receive will be based on your credit worthiness. Please ask us about your qualifying rate. The rate may vary depending on each individual's credit history and underwriting factors. For more information, please contact Emblem Credit Union at (800) 470-0704. All rates, programs, terms and conditions are subject to change without notice.
2 Conditions apply, and terms may be limited by loan amount, credit history and other factors. Not all collateral items qualify for terms shown.
Auto Loans (2016-2024)
| APR1 As Low As | Terms2 | Repayment Amounts Per Month (per $1000 Borrowed) |
|---|---|---|
| 5.75% | Up to 36 Months | $30.31 |
| 6.00% | Up to 48 Months | $23.49 |
| 6.25% | Up to 60 Months | $19.45 |
| 6.50% | Up to 72 Months | $16.81 |
| 7.25% | Up to 84 Months | $15.22 |
1 The Annual Percentage Rate (APR) you receive will be based on your credit worthiness. Please ask us about your qualifying rate. The rate may vary depending on each individual's credit history and underwriting factors. For more information, please contact Emblem Credit Union at (800) 470-0704. All rates, programs, terms and conditions are subject to change without notice.
2 Conditions apply, and terms may be limited by loan amount, credit history and other factors. Not all collateral items qualify for terms shown.
Boats/Campers/Tractors/ATVs/Motorcycles/Jet Skis/Mowers/Golf Carts/Utility Trailers/Motor Homes
| APR1 As Low As | Terms2 | Repayment Amounts Per Month (per $1000 Borrowed) |
|---|---|---|
| 7.75% | 60 Months (2009 - 2024) | $20.16 |
| 7.50% | 48 Months (2009 - 2024) | $24.18 |
| 7.00% | 36 Months (2009 - 2024) | $30.88 |
1 The Annual Percentage Rate (APR) you receive will be based on your credit worthiness. Please ask us about your qualifying rate. The rate may vary depending on each individual's credit history and underwriting factors. For more information, please contact Emblem Credit Union at (800) 470-0704. All rates, programs, terms and conditions are subject to change without notice.
2 Conditions apply, and terms may be limited by loan amount, credit history and other factors. Not all collateral items qualify for terms shown.
Club Accounts
| Account | Minimum Opening Deposit | Dividend Rate | APY | Minimum Balance to Earn APY |
|---|---|---|---|---|
| Special Club | $5.00 | 0.10% | 0.10% | $5.00 |
These rates may change without notice. Fees could reduce the earnings on the account (applies if fees are associated with the account). A penalty will or may be imposed for early withdrawal on Share Certificates and IRAs.
To obtain current rates, contact Emblem Credit Union.
Click to view complete account details or to obtain our Member Account Agreement & Disclosures.
Individual Retirement Accounts (IRAs)
| Type | Minimum Opening Deposit | Dividend Rate | APY | Minimum Balance To Earn APY |
|---|---|---|---|---|
| Variable Rate IRA | $5.00 | 0.15% | 0.15% | $5.00 |
| 12 Month IRA Share Certificate | $1000.00 | 3.25% | 3.30% | Any Balance |
| 24 Month IRA Share Certificate | $1,000.00 | 2.50% | 2.53% | Any Balance |
| 36 Month IRA Share Certificate | $1000.00 | 2.50% | 2.53% | Any Balance |
| 48 Month IRA Share Certificate | $1,000.00 | 2.55% | 2.58% | Any Balance |
| 60 Month IRA Share Certificate | $1000.00 | 2.45% | 2.48% | Any Balance |
Loans
| Loan Type | APR1 As Low As | Terms2 | Repayment Amounts Per Month (per $1000 Borrowed) |
|---|---|---|---|
| Share Secured | 2.25% | Up to 36 Months | $28.75 |
| Share Certificate Secured | 4.45%3 | Up to 60 Months | $18.62 |
| Single Pay | N/A | Contact Credit Union | N/A |
| Overdraft | Contact Credit Union | Up to 48 Months | N/A |
| Visa® Platinum | 9.90% | For limits $4,999.99 and below | N/A |
| Visa® Signature | 9.90% | For limits $5,000 and above | N/A |
1 The Annual Percentage Rate (APR) you receive will be based on your credit worthiness. Please ask us about your qualifying rate. The rate may vary depending on each individual's credit history and underwriting factors. For more information, please contact Emblem Credit Union at (800) 470-0704. All rates, programs, terms and conditions are subject to change without notice.
2 Conditions apply, and terms may be limited by loan amount, credit history and other factors. Not all collateral items qualify for terms shown.
3 Loan must mature when share certificate matures. Monthly payments must cover the interest period. The current APR for this loan is 2.00% over the share certificate rate. For example, if your certificate is for a 24 month term, and has a dividend rate of 2.50%, the resulting APR would be 4.50%.
Merry & Bright Holiday Loan Special
| APR1 As Low As | Terms | Repayment Amounts Per Month (per $1000 Borrowed) |
|---|---|---|
| 6.99% | Up to 12 Months | $86.52 |
*APR=Annual Percentage Rate. Must meet membership and credit requirements to obtain loan. Rate may vary based on each individual borrower’s credit history and other underwriting factors. Term of up to 12 months. Estimated monthly repayment amount of $86.52 per $1,000.00 borrowed. Borrower(s) may elect to defer the first payment due date up to 60 days from the date the loan is originated; however, interest will continue to accrue from origination until the date of the first payment. Offer available October 15, 2024 through December 23, 2024. Programs, rates, terms, and conditions subject to change without notice. For more information, see an Emblem Credit Union loan officer. Insured by NCUA. NMLS# 402558
Money Market Account
| Minimum Opening Deposit | Dividend Rate | APY | Minimum Balance to Earn APY |
|---|---|---|---|
| $1000.00 | 0.35% | 0.35% | $1,000.00 - $49,999.99 |
| $1000.00 | 1.98% | 2.00% | $50,000 - $249,999.99 |
| $1000.00 | 2.47% | 2.50% | $250,000.00 - $499,999.99 |
| $1000.00 | 3.19% | 3.25% | $500,000.00 or more |
Mortgage
Emblem CU offers a wide variety of fixed and variable interest rate mortgage loan options with repayment terms suited to meet your needs. Contact us for more information.
New Name, Fresh Rates Loan Special
| APR1 As Low As | Terms | Repayment Amounts Per Month (per $1000 Borrowed) |
|---|---|---|
| 5.25% | Up to 84 Months | $14.25 |
1 *APR=Annual Percentage Rate. Must meet membership and credit requirements to obtain loan. Rate may vary based on each individual borrower’s credit history and other underwriting factors. Term of up to 84 months for year models 2016-2024. Estimated monthly repayment amount of $14.25 per $1,000.00 borrowed. Borrower(s) may elect to defer the first payment due date up to 45 days from the date the loan is originated; however, interest will continue to accrue from origination until the date of the first payment. Programs, rates, terms, and conditions subject to change without notice. Offer not valid on current Emblem Credit Union Loans.This promotion cannot be combined with other offers. For more information, see an Emblem Credit Union loan officer. Insured by NCUA. NMLS# 402558.
nHanced Checking
| Balance | Dividend Rate | APY |
|---|---|---|
| $0.01 to $25,000.00 | 3.19% | 3.25% |
| $25,000.01 or more | 0.15% | 0.76% to 3.25% |
| When qualifications are not met | 0.01% | 0.01% |
Qualifications
nHanced Checking is free checking that earns rewards — and there's never a penalty if you don't meet the monthly qualifications. To earn your rewards, simply do the following transactions and activities in your checking account each Monthly Qualification Cycle:
- Have at least twelve (12) Debit Card purchases post and settle.
- Have at least one (1) direct deposit, automatic payment (ACH), or Bill Pay transaction post and settle.
- Be enrolled and receive e-Statement notice.
Personal Loans
| APR1 As Low As | Terms2 | Repayment Amounts Per Month (per $1000 Borrowed) |
|---|---|---|
| 9.50% | Up to 12 Months | $87.68 |
| 9.75% | Up to 24 Months | $46.03 |
| 10.00% | Up to 36 Months | $32.27 |
| 10.25% | Up to 48 Months | $25.48 |
| 10.75% | Up to 60 Months | $21.62 |
1 The Annual Percentage Rate (APR) you receive will be based on your credit worthiness. Please ask us about your qualifying rate. The rate may vary depending on each individual's credit history and underwriting factors. For more information, please contact Emblem Credit Union at (800) 470-0704. All rates, programs, terms and conditions are subject to change without notice.
2 Conditions apply, and terms may be limited by loan amount, credit history and other factors. Not all collateral items qualify for terms shown.
Recreational Vehicle Loans (2009 - 2020)
| Loan Type | APR1 As Low As | Terms2 | Repayment Amounts Per Month (per $1000 Borrowed) |
|---|---|---|---|
| Boats, Campers, Tractors, ATVs, Motorcycles, Jet Skis, Mowers, Golf Carts | 7.25% | Up to 36 Months | $30.99 |
| Boats, Campers, Tractors, ATVs, Motorcycles, Jet Skis, Mowers, Golf Carts | 7.75% | Up to 48 Months | $24.30 |
| Boats, Campers, Tractors, ATVs, Motorcycles, Jet Skis, Mowers, Golf Carts | 8.00% | Up to 60 Months | $20.28 |
1 The Annual Percentage Rate (APR) you receive will be based on your credit worthiness. Please ask us about your qualifying rate. The rate may vary depending on each individual's credit history and underwriting factors. For more information, please contact Emblem Credit Union at (800) 470-0704. All rates, programs, terms and conditions are subject to change without notice.
2 Conditions apply, and terms may be limited by loan amount, credit history and other factors. Not all collateral items qualify for terms shown.
Recreational Vehicle Loans (2020 - 2024)
| Loan Type | APR1 As Low As | Terms2 | Repayment Amounts Per Month (per $1000 Borrowed) |
|---|---|---|---|
| Boats/Campers/Motor Homes ONLY over $35,000 | 8.75% | Up to 144 Months | $11.24 |
| Boats/Campers/Tractors/Motorcycles/Motor Homes | 8.25% | Up to 84 Months | $15.71 |
1 The Annual Percentage Rate (APR) you receive will be based on your credit worthiness. Please ask us about your qualifying rate. The rate may vary depending on each individual's credit history and underwriting factors. For more information, please contact Emblem Credit Union at (800) 470-0704. All rates, programs, terms and conditions are subject to change without notice.
2 Conditions apply, and terms may be limited by loan amount, credit history and other factors. Not all collateral items qualify for terms shown.
Regular Share Savings
| Minimum Opening Deposit | Dividend Rate | APY | Minimum Balance to Earn APY |
|---|---|---|---|
| $1.00 | 0.20% | 0.20% | $5,000.00 or more |
Term Share Certificate Accounts
| Term | Minimum Opening Deposit | Dividend Rate | APY | Minimum Balance to Earn APY |
|---|---|---|---|---|
| 6 Month | $1,000.00 | 3.50% | 3.56% | Any Balance |
| 7 Month Special | $1,000.00 | 4.78% | 4.90%1 | Any Balance2 |
| 12 Month | $1,000.00 | 3.25% | 3.30% | Any Balance |
| 15 Month Special | $1,000.00 | 4.21% | 4.30%3 | Any Balance |
| 24 Month | $1,000.00 | 2.50% | 2.53% | Any Balance |
| 36 Month | $1,000.00 | 2.50% | 2.53% | Any Balance |
| 48 Month | $1,000.00 | 2.55% | 2.58% | Any Balance |
| 60 Month | $1,000.00 | 2.45% | 2.48% | Any Balance |
Penalties may apply for early withdrawal. All rates, programs, terms and conditions are subject to change without notice. Information from consumer reporting agencies may be used in determining eligibility for deposit accounts. Reduced $300 minimum deposit to open a Term Share Certificate for youth accounts (Embark Youth Club and Empower Teen Club only).
1APY=Annual Percentage Yield. Early withdrawal penalties apply and may reduce earnings. Emblem Credit Union reserves the right to limit deposits into this term share certificate. All rates, programs, terms and conditions are subject to change without notice. $1000 minimum deposit to open a Term Share Certificate. Upon maturity, the term share certificate will automatically renew to a 6-month term at the rate in effect at the time of renewal unless you instruct us otherwise. Information from consumer reporting agencies may be used in determining eligibility for deposit accounts.
2Funds for deposit must come from an external source and not an existing deposit account at Emblem Credit Union.
3APY=Annual Percentage Yield. Early withdrawal penalties apply and may reduce earnings. Emblem Credit Union reserves the right to limit deposits into this term share certificate. All rates, programs, terms and conditions are subject to change without notice. $1000 minimum deposit to open a Term Share Certificate. Upon maturity, the term share certificate will automatically renew to a 12-month term at the rate in effect at the time of renewal unless you instruct us otherwise. Information from consumer reporting agencies may be used in determining eligibility for deposit accounts.