Approach or plan ahead for retirement.
Prepare for a brighter retirement with an account that grows your money and comes with potential tax advantages.
Benefits You’ll Love
- Competitive dividends
- Potential tax advantages
- No setup or maintenance fees
- Additional income once you retire
- Competitive interest above standard savings rates
- Traditional and Roth IRA options
- No setup fees
- No monthly or annual maintenance fees
- Annual contribution limits apply (see current contribution limits; $7,000 as of 2024)1
- Additional $1,000 "catch-up" contribution allowed for ages 50+
- $1,000 minimum for IRA certificates (CDs)
- Federally insured
- $5 minimum deposit to open
1Consult a tax advisor.
There are advantages to both traditional and Roth IRAs. One of the biggest differences is the time at which you see the most advantage. A traditional IRA provides potential tax relief today, while a Roth IRA has the potential for the most tax benefit at time of retirement.
Traditional IRA
- No income limits to open
- No minimum contribution requirement
- Contributions are tax deductible on state and federal income tax1
- Earnings are tax deferred until withdrawal (when usually in lower tax bracket)
- Withdrawals can begin at age 59½
- Early withdrawals subject to penalty2
- Mandatory withdrawals at age 73
- No age limit on making contributions as long as you have earned income
Roth IRA
- Income limits to be eligible to open Roth IRA3
- Contributions are NOT tax deductible
- Earnings are 100% tax free at withdrawal1
- Principal contributions can be withdrawn without penalty1
- Withdrawals on interest can begin at age 59½
- Early withdrawals on interest subject to penalty2
- No mandatory distribution age
- No age limit on making contributions as long as you have earned income
1Subject to some minimal conditions. Consult a tax advisor.
2Certain exceptions apply, such as healthcare, purchasing first home, etc.
3Consult a tax advisor.
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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.