APY = Annual Percentage Yield. Rates effective as of {{ dynamic-date }}. Fees may reduce earnings.
nHanced Checking Learn More
| 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.
Regular Share Savings Back to Top Learn More
| 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 Back to Top Learn More
| 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 | 5.03% | 5.16%1 | Any Balance2 |
| 12 Month | $1,000.00 | 3.25% | 3.30% | Any Balance |
| 15 Month Special | $1,000.00 | 4.41% | 4.51%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.
Individual Retirement Accounts (IRAs) Back to Top Learn More
| 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 |
Money Market Account Back to Top Learn More
| 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 |
Club Accounts Back to Top Learn More
| 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.
Auto Loans (2016-2024) Back to Top Learn More
| 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.
Auto Loans (2009 - 2015) Back to Top Learn More
| 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.
New Name, Fresh Rates Loan Special Back to Top Learn More
| 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. This promotion cannot be combined with other offers. For more information, see an Emblem Credit Union loan officer. Insured by NCUA. NMLS# 402558.
Recreational Vehicle Loans (2020 - 2024) Back to Top Learn More
| Loan Type | APR1 As Low As | Terms2 | Repayment Amounts Per Month (per $1000 Borrowed) |
|---|---|---|---|
| Boats/Campers/Motor Homes ONLY | 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.
Boats/Campers/Tractors/ATVs/Motorcycles/Jet Skis/Mowers/Golf Carts/Utility Trailers/Motor Homes Back to Top Learn More
| 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.
Loans Back to Top
| 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 | $18.26 |
| 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 $5,000 and below | N/A |
| Visa® Signature | 9.90% | For limits above $5,000 | 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%.
Personal Loans Back to Top Learn More
| 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.
Merry & Bright Holiday Loan Special Back to Top
| 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
Mortgage Back to Top Learn More
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.