Emblem Credit Union Fort Payne AL | Top Auto Loans & Business Banking

Introduction

Welcome to Emblem, your trusted financial partner located at 700 Gault Ave S, Fort Payne, AL 35967. Established in 1959, we have been dedicated to serving our community for over six decades. With a strong focus on member satisfaction, we proudly support 30,573 members by providing personalized banking solutions tailored to meet their unique needs. At Emblem, we understand that financial security is essential for you and your family. That's why we manage a robust portfolio of assets totaling $562,613,333 and offer total deposits of $56,219,540. Our commitment to responsible lending is reflected in our total loans of 17,672, ensuring that we can help you achieve your dreams whether it's buying a home, financing a vehicle, or growing your business with our competitive loan offerings. Our leadership team is here to guide you every step of the way. Under the direction of CEO Ron Summerall and Board President Martha Lavender, our talented staff of 96 employees is committed to delivering exceptional service. We invite you to experience the difference that comes from being part of a credit union that truly cares about its members. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address: 700 Gault Ave S, Fort Payne, AL 35967-1628. Ready to take the next step toward achieving your financial goals? Call us today at 256-997-9002 or visit our website at emblemcu.com to learn more about how we can help you thrive in every aspect of your financial journey!

Branch History & Mission

Welcome to Emblem, a cornerstone of financial support and community development in Fort Payne, Alabama. Established in 1959, our branch has grown significantly over the years, reflecting a deep commitment to serving our members and the local community. Located at 700 Gault Ave S, we are proud to be a part of this vibrant area, just a stone's throw from notable landmarks that define Fort Payne. Since our inception, we have welcomed over 30,573 members, providing them with valuable financial services and fostering a sense of community. Today, we proudly manage total assets amounting to $562,613,333, which underscores our stability and dedication to supporting our members' financial goals. At Emblem, our mission is clear: we strive to provide exceptional financial services while actively contributing to the well-being of our community. We believe that by empowering individuals with the right tools such as personal banking options including checking and savings accounts, auto loans, mortgage refinancing, credit cards with rewards, and business banking we can help them achieve their dreams. Our focus goes beyond traditional banking; we are dedicated to enhancing lives through outreach programs and partnerships that enrich our neighborhood. In addition to our extensive range of services, we prioritize accessibility for all. Our branch features ADA-compliant facilities and offers drive-thru banking for added convenience. While members can visit us at 700 Gault Ave S, official correspondence should be sent to 700 Gault Ave S, Fort Payne, AL 35967-1628 if different from the branch address. We recognize the importance of adapting to modern needs and have embraced digital advancements such as online banking and mobile payments. This allows us to provide convenient options for our members while ensuring they feel supported every step of the way. As we look back on our journey since 1959, we are excited about what lies ahead. We invite you to join us at Emblem whether you're looking for comprehensive financial solutions or ways to connect with your community. Experience firsthand how being part of Emblem can make a positive difference in your life. For inquiries or assistance, feel free to reach out at 256-997-9002. Together, let's build a brighter future!

Branch Location & Accessibility

Accessibility Features

At Emblem, we prioritize accessibility for all members. Our branch features ADA-compliant facilities, including ramps and spacious parking options, ensuring that everyone can access our services comfortably.

Call-to-Action

We encourage you to drop by our branch in Fort Payne or give us a call. Let Emblem be your go-to financial partner! Visit our website at emblemcu.com for more information about becoming a member and all that we have to offer. We look forward to seeing you soon!

Nearby Landmarks

Situated near notable spots in Fort Payne, our branch is close to local favorites like the DeKalb County Heritage Center and the beautiful Little River Canyon National Preserve. This prime location means you can easily visit us during a day out or while running errands.

Operating Hours & Services

We invite you to visit us Monday through Friday from 9:00 AM to 4:45 PM, with special hours on Wednesday when we open until 1:00 PM. You can reach us at (256) 997-9002 for any inquiries or to schedule an appointment. While we currently do not have ATM services at this location, our drive-thru banking is available for quick deposits and withdrawals. For those who might need additional services, we proudly offer shared branch transactions for members of partner credit unions as well. Whether you're looking to open a checking account, apply for an auto loan, or explore mortgage options, Emblem is here to serve you.

Member Eligibility

Joining the Emblem family is more than just opening an account; it's about becoming part of a supportive community where your financial well-being matters. At Emblem, we welcome individuals who live, work, worship, or attend school in certain areas of Alabama. Whether you're looking for a place to save, borrow, or simply manage your finances better, our doors are open to you. We believe that everyone deserves access to friendly service and personalized financial solutions. If you're interested in learning more about the specific eligibility requirements, feel free to check out our detailed guidelines at this link. When you decide to become a member at Emblem, you're not just signing up for a bank; you're joining a community that values your needs. Our dedicated team is here to help you every step of the way. Opening an account is straightforward and can be done online. Just visit our account opening page at this link or give us a call at (256) 997-9002 for assistance. We're located at 700 Gault Ave S Fort Payne Al 35967, and we can't wait to welcome you into our family!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, we offer merchant services that simplify transactions. Imagine being able to accept payments anytime, anywhere whether at a bustling market or your cozy storefront. Our tools make it easy for you to manage sales and boost customer satisfaction. Located at 700 Gault Ave S Fort Payne Al 35967 in Fort Payne, AL, we're here to empower your business with the resources it needs to thrive. Connect with us at (256) 997-9002 or visit us online at https://www.emblemcu.com to learn more about how we can help turn your business goals into reality.

Tailored Business 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. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $73,155,449, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Auto Loans & Financing

If you're considering purchasing a new vehicle, our auto loans and vehicle financing options provide competitive rates that make buying a car more affordable. Picture driving off in your dream car without breaking the bank. Our team will work with you to find a loan that fits your budget perfectly.

Business Banking Services

For entrepreneurs and business owners, business banking is crucial. We offer merchant services and business loans designed to help businesses thrive. You can focus on what matters growing your business while we take care of the financial side.

Convenient Access & Support

At Emblem, we understand that convenience is key. That's why we provide access to ATM and cash withdrawal services along with basic drive-thru banking for quick deposits and withdrawals. For members who are part of partner credit unions, basic shared branch transactions are also available. We encourage you to explore our digital features such as mobile payments and person-to-person transfers for added convenience in managing your finances anytime, anywhere.

Credit Cards with Rewards

Our credit cards come with rewards that give back as you spend. Imagine earning points for everyday purchases that can be redeemed for travel, merchandise, or cash back. It's a simple way to enjoy perks while managing your spending.

Get Started Today!

Ready to take control of your financial future? Call us at (256) 997-9002 or visit our website at https://www.emblemcu.com to learn more about how our services can benefit you. At Emblem, we're here for all your banking needs!

Home Financing Options

For those looking to buy or refinance their home, we offer mortgage loans and refinancing solutions tailored to your individual situation. Whether it's your first home or an investment property, we guide you through each step of the process, making it less daunting.

Personal Banking Solutions

Whether you're just starting out or planning for the future, our personal banking options can help you manage your finances effectively. We offer checking and savings accounts that fit various lifestyles, ensuring you have the flexibility and accessibility you need. Imagine having a checking account that not only keeps your funds secure but also makes daily transactions easy through our online and mobile banking platforms. You can check balances, transfer money, and pay bills all from the palm of your hand.

Personal Loans & Debt Management

Life can throw unexpected expenses your way, and that's where our personal loans and debt consolidation services come in handy. With flexible terms and straightforward application processes, we aim to provide relief when you need it most.

Digital & Online Banking

Key Features

Our online banking platform, which you can explore at https://www.emblemcu.com, allows you to view your account balances, transfer funds, and pay bills all from the comfort of your home or on the go. Whether you're at work or relaxing at a coffee shop, our 24/7 online banking services ensure you're always in control of your finances. Need to send money quickly? Our person-to-person transfer feature makes it simple to send funds to friends or family without any hassle. Plus, with electronic signature authorization available, signing documents is quick and convenient no need for printing or scanning.

Mobile Banking Made Easy

For those who prefer mobile banking, our user-friendly mobile application lets you manage your accounts right from your smartphone. You can check balances, deposit checks, and even use mobile payments for quick transactions at participating merchants. This way, you can enjoy all the benefits of banking without the need to visit a branch.

Stay Updated with E-Statements

Stay organized and environmentally friendly by opting for e-statements. Available for all members, these electronic statements provide a clear view of your account activity while reducing paper clutter. You'll receive timely updates right in your inbox! At Emblem, we prioritize security and convenience. Our robust systems protect your information while allowing you to access everything you need easily. Join us today and experience the future of banking where managing your money is always within reach!

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 committed to maintaining strong financial health so that you can trust us with your hard-earned money. Our current net worth of $60,258,785 reflects our solid position in the financial landscape. This strong foundation allows us to offer better rates, lower fees, and enhanced services tailored to meet your needs. With a net worth ratio of 10.71, we demonstrate our capacity to weather economic fluctuations while continuing to provide loans and competitive savings rates. We prioritize your savings. Our members' funds are well-secured through $168,086,431 in share certificates and $28,021,045 in money market shares, which provide stable and rewarding growth opportunities. Unlike traditional banks, our focus is on benefiting you our members rather than shareholders. With non-member deposits at $1,711,524, we ensure that our resources are directed towards enhancing member services. With $1,831,205 in undivided earnings, we continually reinvest in innovative banking tools and stronger lending options to serve you better. Speaking of lending, we currently have $41,204,773 in total loans and leases, including $47,749 in used auto loans. This capacity supports your financial goals across various sectors. Our commitment to operational efficiency is evident with a reported net income of $0 this period; however, this illustrates our careful management during challenging times. We employ a dedicated team of 95 full-time employees and 1 part-time employee, ensuring you receive knowledgeable service every time you visit. With a total of 60,896 share accounts, it's clear that many members trust us with their finances. Additionally, our net shares available for lending and investments stand at $8,084,480, showcasing our commitment to providing resources for member growth. 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 700 Gault Ave S Fort Payne Al 35967 or call us at 256-997-9002 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 interested in financing a new or used vehicle, our straightforward application process makes it easy to get started.

Business Financing

For business owners looking to expand or improve operations, our outstanding commercial loans totaling $73,155,449 provide the capital needed for growth. We understand the unique challenges faced by businesses and are committed to offering solutions tailored to your needs. At Emblem Credit Union in Fort Payne, AL, we're dedicated to helping you find the right loan product that fits your lifestyle and financial situation. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Ready to take the next step? Explore our loan offerings today and discover how we can support your journey toward financial success!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $12,018,704, giving you access to the funds needed for your dream home. If you're considering refinancing your current mortgage, we have flexible options available to help reduce your monthly payments.

Unsecured 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. This option provides you with a safety net for unexpected costs while allowing you to build credit.

Loan Aggregator

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Emblem