Emblem Credit Union Anniston AL | Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to Emblem, your trusted partner in financial wellness, located at 230 Us Highway 431, Anniston, AL 36206. Since our establishment in 1959, we have proudly served our community and built lasting relationships with our 30,573 members. At Emblem, we prioritize your financial needs and strive to create a supportive environment where you can thrive. As of now, our total assets stand at an impressive $562,613,333, reflecting our commitment to stability and growth. We have extended 17,672 loans and leases to help our members achieve their dreams, from purchasing vehicles to securing homes. With total deposits amounting to $56,219,540, we ensure that your money is safe and accessible whenever you need it. Led by our dedicated CEO, Ron Summerall, and Board President Martha Lavender, we are not just a credit union; we are a community-focused organization that genuinely cares about your financial well-being. Our team of 96 employees works diligently to provide personalized services tailored to meet the unique needs of each member. While members can visit us at our branch location for all banking needs including personal accounts, auto loans, mortgages, and business banking official correspondence should be sent to PO Box 4477, Anniston, AL 36204. Whether you're looking for a reliable place to save or seeking assistance with loans and financial planning, Emblem is here for you. We invite you to explore our services further by visiting our website at emblemcu.com or giving us a call at 256-238-1161. Join us in building a brighter financial future together!

Branch History & Mission

At Emblem, we take pride in our rich history and commitment to the community. Established in 1959, our branch has grown alongside the vibrant city of Anniston, AL, serving as a trusted financial partner for over six decades. Located at 230 Us Highway 431, we are easily accessible to members and visitors alike. Over the years, Emblem has evolved significantly. We started with a small membership base and limited services but have expanded our offerings to meet the diverse needs of our growing community. Today, we proudly serve 30,573 members and manage total assets of approximately $562,613,333. This growth reflects not just our success but also the trust and support of our members. Our mission is simple yet powerful: to provide comprehensive financial services while fostering community growth and support. We believe that banking should be more than just transactions; it should empower individuals and families to achieve their financial goals. This is why we offer a wide range of services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. While members can visit us at 230 Us Highway 431, official correspondence should be sent to PO Box 4477, Anniston, AL 36204. Our branch features drive-thru banking for quick and easy transactions, alongside shared service center availability for even greater convenience. Though we do not have ATMs on-site currently, our online and mobile banking services ensure that members can access their accounts anytime. As part of our dedication to modern banking practices, we have embraced digital advancements like online applications and electronic statements. We are also committed to ensuring accessibility for all our members, reflecting our belief that everyone deserves equal access to financial resources. Emblem actively participates in community outreach initiatives and partnerships that enhance the lives of those around us. Whether it's sponsoring local events or supporting educational programs, we strive to give back in meaningful ways. Join us at Emblem Credit Union! Experience firsthand how we combine personal service with innovative financial solutions tailored just for you. For inquiries or assistance, feel free to call us at 256-238-1161 or visit our website at emblemcu.com. Together, let's build a brighter financial future!

Branch Location & Accessibility

Convenient Access and Nearby Landmarks

Situated in Calhoun County, our branch is easy to reach and close to several local landmarks. If you're heading from downtown Anniston or nearby areas, you'll find us right off the highway, making it a breeze to stop by for all your banking needs. Plus, we offer ample parking spaces for our visitors, ensuring you can access our services without any hassle.

Features Tailored for You

At Emblem, we understand that accessibility is key. Our branch is equipped with features that comply with ADA standards, including ramps and designated parking spots for those who need them. For those on the go, we also have a drive-thru banking option available. This allows you to conduct simple transactions like deposits and withdrawals quickly and efficiently without leaving your vehicle.

Get in Touch!

Have questions or want more information? Feel free to give us a call at 256-238-1161. We'd love to hear from you! While members can visit us at 230 Us Highway 431, please note that official correspondence should be sent to PO Box 4477 in Anniston, AL. So why wait? Come by Emblem today and discover how we can help you achieve your financial goals!

Operating Hours and Services

We're open Monday through Tuesday and Thursday through Friday from 9:00 AM to 4:45 PM, with special hours on Wednesdays from 9:00 AM to 1:00 PM. This schedule provides flexibility for your busy lifestyle. While you're here, take advantage of the wide range of services we offer from personal banking options like checking and savings accounts to auto loans and mortgage financing. Need assistance? Our friendly staff is always ready to help you navigate your financial journey.

Member Eligibility

Becoming a member of Emblem is like joining a close-knit family that's committed to supporting you every step of the way. We warmly welcome anyone who lives, works, or worships in our community or has a family member already part of our credit union. Plus, if you're an employee or member of certain organizations we partner with, you're also eligible! This inclusive approach means that many people can enjoy the benefits we offer, such as competitive loan rates and personalized service tailored to your needs. If you're curious about more detailed eligibility requirements, feel free to explore our website at https://www.emblemcu.com/about-us/become-a-member.html. Opening an account at Emblem is straightforward and designed to be hassle-free. You can start this journey online by visiting https://my.emblemcu.com/registration, where you'll find all the guidance you need to set up your membership easily. If you have any questions or need assistance, don't hesitate to reach out to us at (256) 238-1161. We're here for you and look forward to welcoming you into our community!

Business Banking & Commercial Services

Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $413 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $73,155,449, we continue to drive economic growth by financing new and expanding businesses. Imagine having the capital you need to purchase new equipment, expand your storefront, or hire additional staff. Our tailored loan options can help turn those aspirations into reality.

Merchant Services

In today's fast-paced world, effective payment processing is crucial for any business. At Emblem, we offer merchant services that simplify transactions, whether in-store or online. Picture this: a customer walks into your shop, makes a purchase using their credit card, and you receive immediate payment all while providing a seamless experience. Our merchant solutions ensure that your business runs smoothly, allowing you to focus on what you do best. If you're ready to take your business to the next level, visit us at 230 Us Highway 431 Anniston Al 36206 in Anniston, AL or call us at (256) 238-1161 to explore how we can support your journey!

Comprehensive List Of Services

Business Banking Services

If you're a business owner, Emblem has solutions that can help your business thrive. Our business banking services include merchant services for easy payment processing and various types of business loans to support your growth. We understand that running a business comes with its challenges, and we're here to partner with you every step of the way.

Convenient Access Options

For transactions that require face-to-face interaction, our branch features basic drive-thru banking services where you can make deposits or withdrawals without leaving your car. Additionally, if you're a member of partner credit unions, enjoy the convenience of shared branch transactions, allowing you to conduct essential banking activities wherever you are. At Emblem, we believe in making banking straightforward and accessible. Whether you're stepping into our branch or using our online services from home, we're committed to providing support that fits your lifestyle. Ready to explore how Emblem can assist you further? Visit us at our Anniston branch or call us at 256-238-1161 today! We look forward to serving you!

Digital Banking Features

In today's fast-paced world, having access to your finances anytime is crucial. That's why we offer robust online and mobile banking platforms. You can manage your accounts, pay bills, transfer money, and even deposit checks from the comfort of your home or on the go. Our mobile app also allows for person-to-person payments, making it easy to split bills with friends or family.

Personal Banking Solutions

When it comes to personal banking, Emblem offers a variety of options that cater to your everyday needs. Our checking and savings accounts are designed for convenience, allowing you easy access to your funds while earning interest. If you're considering purchasing a new car, our auto loans and vehicle financing can help get you on the road with competitive rates and flexible terms. For those looking to buy a home or refinance an existing mortgage, we offer mortgage loans that simplify the process. Plus, our personal loans and debt consolidation options are perfect for managing unexpected expenses or combining multiple debts into one manageable payment. And don't forget about our credit cards with rewards, which provide benefits tailored to your spending habits.

Digital & Online Banking

Key Features for Your Convenience

Our online banking service provides you with 24/7 access to your accounts, allowing you to check balances, transfer funds, and pay bills whenever it suits you. You can also enjoy the ease of electronic signature authorization, making it simple to complete transactions without the hassle of paper forms. We know that keeping track of your finances is important, so we offer e-statements that let you view your account statements digitally. This feature not only helps you stay organized but also contributes to a greener environment by reducing paper waste.

Mobile Banking at Your Fingertips

With our mobile application, managing your money is as easy as reaching into your pocket. Our app allows for mobile payments, so you can make purchases directly from your phone. Plus, if you need to send money to a friend or family member quickly, our person-to-person transfer feature makes it a breeze.

Security You Can Trust

Your security is our top priority. Our online banking system uses advanced encryption technologies to keep your information safe and secure. We've built these features with you in mind ensuring that while you're enjoying the convenience of digital banking, you're also protected against fraud and unauthorized access. Experience the freedom and flexibility of modern banking with Emblem. Whether it's through our website or mobile app, you have all the tools you need for real-time account management right at your fingertips!

Financial Strength

At Emblem, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are dedicated to maintaining a robust financial foundation that ensures your money is safe and growing. With a net worth of $60,258,785, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.71% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $168,086,431 in share certificates and $28,021,045 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $1,711,524, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $1,831,205 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is significant with $41,204,773 in total loans and leases, including $47,749 in used auto loans which support members' financial goals across various sectors. We also take pride in having 95 full-time employees and 1 part-time employee, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Total share accounts stand at 60,896, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Emblem is your trusted partner. Visit us at 230 Us Highway 431 Anniston Al 36206 or call 256-238-1161 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $85,444,735 in used vehicle loans and $28,963,560 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new vehicle or looking for a reliable used car, we have financing options that fit your budget.

Credit Card Loans

Managing everyday expenses can be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $11,065,657 in loans helping members manage their finances effectively. Our credit card options are designed to fit your lifestyle while keeping your spending under control.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $12,018,704, make buying or refinancing simple. We provide competitive rates and flexible terms to help you secure the home of your dreams.

Other Loan Products

For those seeking business opportunities, our outstanding commercial loans totaling $73,155,449 provide the capital needed to grow and expand your business. Additionally, if you're looking for credit lines or personal loans for various needs, we have options available to ensure you have access to necessary funds when you need them. If you're interested in refinancing or exploring eligibility options for any of our loan products, please don't hesitate to reach out. You can contact us at 256-238-1161 during our operating hours from 9:00 am to 4:45 pm (Monday, Tuesday, Thursday, Friday) and from 9:00 am to 1:00 pm (Wednesday). Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. At Emblem, we're dedicated to providing clear and practical solutions that help you navigate your financial journey with ease.

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Emblem