Keep up with your financial wellbeing from Northeast Alabama and beyond.
Manage your Emblem CU account conveniently and securely with a click or a tap, thanks to digital banking.
Benefits You’ll Love
- Keep track of your account balances
- Move money between accounts
- Access your account statements
- Stay informed with customized alerts
Online Banking
- Free, secure, and easy-to-use service for members of the credit union
- Manage a number of banking activities anytime, anywhere with internet access:
- Apply for new accounts and loans
- Make "Member to Member" and "Person to Person" transfers
- Monitor outside accounts
- Utilize financial management tools
- Access eStatements
- View account balances and history
- Transfer funds between accounts (one-time and recurring transfers)
- View checks written
- Make loan payments
- Obtain your FICO credit score
- And more
Bill Pay
- Pay one-time or recurring bills with ease:
- Schedule payments in advance
- Set up payment reminders
- Ensure payments are received on time
- Have all payee information in one convenient place
- Retain funds until paper drafts are presented for payment
- Avoid paper clutter
- More secure than paper billing
- Make more time for yourself; fewer bank trips necessary
- Print or download to popular financial management software
Important Information
- Fast, free, and secure service for the credit union1
- Available to personal and business members
- Easily keep track of your finances — even on the go:
- Apply for new accounts and loans
- Deposit checks
- Make "Member to Member" and "Person to Person" payments
- Monitor outside accounts
- Utiliza financial management tools
- Obtain your FICO credit score
- View account balances
- Review history
- Transfer funds between accounts
- Receive alerts
- Pay bills
- Available via any web-enabled mobile device
- App download –iPhone® | Android™
- Save valuable time and effort; avoid an extra trip to a branch
Important Information
Add your credit union credit and debit cards to Apple, Google, Samsung, Fitbit, or Garmin Pay to make online, in-app and in-store checkouts faster and easier with the same rewards, benefits and protections that come with using your physical card.
Visit our Digital Wallet page for additional details, directions on setting up your Digital Wallet, FAQs, disclosures and more!
Tap. Pay. Done.
Never miss a payment with our Online Payment Center. Through the Online Payment Center, you can quickly make your credit union loan payments with your debit card or transfer your payment from another financial institution without the hassle of writing a check or visiting a branch location.
Product Features:
- Set up one-time or recurring payments
- Schedule payments for a future date
- Set up Pay-By-Text to make your payment
Access the Online Payment Center at anytime and get started today!
1 Emblem Credit Union does not charge a fee for the use of this service. Depending on your service plan, standard text messaging & data rates may apply.
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.