Emblem Credit Union Gadsden AL | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Emblem, your trusted financial partner located at 702 Walnut St, Gadsden, AL 35901. Since our establishment in 1959, we have been dedicated to serving our community with personalized banking solutions that fit your unique needs. With a proud membership base of over 30,573 members, we strive to create a welcoming environment where everyone can achieve their financial goals. At Emblem, we understand that every member's journey is different, which is why we offer a diverse range of services from checking and savings accounts to auto loans and mortgages. Our total assets stand at an impressive $562,613,333, reflecting our commitment to providing secure and reliable financial services. We also manage $56,219,540 in deposits and maintain a solid net worth of $60,258,785, ensuring that your money is in good hands. Led by our experienced CEO, Ron Summerall, and Board President, Martha Lavender, our dedicated team of 96 employees is here to assist you every step of the way. Whether you're looking for support with personal loans or business banking solutions, we're ready to help you succeed. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address: P.O. Box 1400, Gadsden, AL 35902. We invite you to explore what Emblem has to offer by visiting our website at emblemcu.com or giving us a call at 256-543-7040. Let us help you take the next step towards a brighter financial future!

Branch History & Mission

Commitment to Accessibility

In today's digital world, we recognize the importance of accessibility and convenience. Emblem offers online and mobile banking services that make managing your finances easier than ever. Our branch also features drive-thru banking for quick transactions when you're on the go. At Emblem Credit Union, we're dedicated to meeting the needs of all members with services designed for everyone from individuals and families to small businesses. Whether you need assistance with loans or simply want advice on saving for your future, our knowledgeable staff is here to help. Join us today at Emblem! Experience the difference of being part of a credit union that truly cares about its members and their financial well-being. Visit our website or call us at 256-543-7040 for more information about how you can become a member today!

Our Mission

The mission of Emblem is straightforward: we strive to empower our members by providing exceptional financial services while fostering a sense of community. Our core belief is that everyone deserves access to affordable banking solutions that can help them achieve their goals whether it's buying a new car, purchasing a home, or planning for retirement. We pride ourselves on being more than just a financial institution. Our outreach efforts include partnerships with local organizations and initiatives that contribute positively to Gadsden and its surrounding areas. By supporting community projects and events, we aim to make a lasting impact on the lives of those around us. While you can visit us at our branch on Walnut Street for all your banking needs, official correspondence should be sent to P O Box 1400, Gadsden, AL 35902 if you wish to reach us by mail.

Branch Location & Accessibility

Get in Touch

For any questions or to learn more about how we can assist you on your financial journey, feel free to call us at 256-543-7040. Our dedicated team is here to help! Come visit Emblem today we look forward to welcoming you!

Nearby Landmarks and Accessibility

Nestled near local favorites, our branch is just a stone's throw away from beautiful parks and shopping areas, ensuring that your visit can be combined with other errands or leisure activities. We prioritize accessibility for all members, featuring ADA-compliant facilities and easy access ramps. Plus, our drive-thru service allows you to complete simple transactions without ever leaving your car.

Operating Hours and Services

We're open Monday, Tuesday, Thursday, and Friday from 9:00 AM to 4:45 PM, and on Wednesdays from 9:00 AM to 1:00 PM. This schedule provides ample opportunity for you to meet with our team or handle your banking needs at your convenience. At Emblem, we offer a wide range of services including personal banking options like checking and savings accounts, auto loans, mortgage refinancing, credit cards with rewards, and business banking solutions. While we currently do not have ATM availability at this location, our drive-thru is perfect for deposits, withdrawals, and basic transactions. If you need to send official correspondence, please note that while you can visit us at our physical address above, mail should be directed to P O Box 1400 in Gadsden.

Member Eligibility

At Emblem, we believe that everyone deserves to be part of a caring community that supports their financial journey. Joining us is simple and welcoming! If you live, work, worship, or attend school in the area, you're likely eligible to become a member. We also extend our membership to family members of existing members, making it easier for your loved ones to enjoy the benefits we offer. By becoming a member of Emblem, you gain access to personalized banking services, competitive loan rates, and a friendly team dedicated to helping you achieve your financial goals. To learn more about the specific eligibility requirements and ensure you're ready to join our community, feel free to visit our detailed page at https://www.emblemcu.com/about-us/become-a-member .html . Once you're ready, opening an account is just a click away! Check out our easy online registration process at https://my.emblemcu.com/registration or give us a call at (256) 543-7040 if you have any questions. We're excited to welcome you to Emblem at 702 Walnut St Gadsden Al 35901!

Business Banking & Commercial Services

Merchant Services

In addition to loans, we offer merchant services that simplify payment processing for your business. Imagine being able to accept payments easily, whether you're running a storefront or providing services on-the-go. Our solutions help you focus on what matters most growing your business. Connect with us today at (256) 543-7040 to learn more about how our business banking solutions can support your journey!

Tailored 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.

Comprehensive List Of Services

Business Banking Services

At Emblem, we also recognize the importance of supporting local businesses. Our business banking services include merchant services and business loans that empower entrepreneurs to grow their ventures. Whether you're starting a new business or expanding an existing one, we're here to help.

Connect With Us

Whether you're looking for personal finance advice or need assistance with business banking solutions, our friendly staff is ready to assist you every step of the way. You can reach us at (256) 543-7040 during our lobby hours: Monday, Tuesday, Thursday, Friday from 9:00 AM - 4:45 PM and Wednesday from 9:00 AM - 1:00 PM. Join us at Emblem in Gadsden, AL, where we are committed to helping you thrive financially. Explore all our offerings by visiting us online at Alabama Teachers Credit Union or stop by today!

Digital Banking Convenience

In today's fast-paced world, convenience is key. Our robust online and mobile banking features allow you to manage your accounts anytime, anywhere. From checking balances to transferring funds, everything is just a few clicks away. If you need cash quickly, we provide ATM and cash withdrawal services for easy access to your funds. For simple transactions, our basic drive-thru banking offers quick deposits and withdrawals without leaving your vehicle. Plus, if you're part of another credit union, take advantage of our basic shared branch transactions where you can perform deposits and withdrawals conveniently.

Personal Banking Solutions

We understand that managing your finances can be overwhelming at times. That's why we offer personal banking services that include checking and savings accounts tailored to fit your lifestyle. Whether you're saving for a vacation or planning for retirement, our accounts come with benefits designed for your success. If you're in the market for a new vehicle, consider our auto loans and vehicle financing options. We provide competitive rates that make it easier for you to drive away in your dream car. For those looking to purchase a home, our mortgage loans and refinancing services can guide you through the process, making homeownership more accessible than ever. For unexpected expenses or planned projects, our personal loans and debt consolidation options can provide the necessary funds while simplifying your repayment process. Plus, don't forget about our credit cards with rewards, which allow you to earn points on everyday purchases.

Digital & Online Banking

Accessibility and Real-Time Management

Managing your accounts has never been easier with Emblem. From real-time updates on account activity to easy access via our website or mobile app, you'll have everything you need at your fingertips. This means no more waiting in line or adjusting your schedule around branch hours. Join us at Emblem today and experience how our digital banking solutions can make your financial life simpler and more secure! For more information or to get started with online banking, visit https://www.emblemcu.com .

Key Features

We offer a variety of features that put control in your hands. Need to send money to a friend? Our person-to-person transfers allow you to quickly send cash without hassle. You can also enjoy the ease of mobile payments, making transactions smoother than ever. And for those who like to keep things organized, we provide e-statements, so you can view your account statements electronically and securely. Security is a top priority for us. With electronic signature authorization, signing documents online is safe and straightforward, ensuring that your sensitive information is well protected. Our user-friendly interface makes navigating through these features simple for everyone.

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 understand that in today's world, having a solid financial foundation is crucial for your peace of mind. 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 and stronger lending options to serve our members better. Our commitment to lending is reflected in the $41,204,773 we have allocated to total loans and leases including $4,749 in used auto loans which supports our members' financial goals across various sectors. Our operational efficiency shines through with a net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. 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 team dedicated to your needs. 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 702 Walnut St Gadsden Al 35901 or call 256-543-7040 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 looking for a new or used vehicle, we have financing solutions that make sense for your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $73,155,449 provide the capital needed to grow and expand. We recognize the unique challenges faced by small businesses and aim to provide support that helps you thrive.

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 strive to make the mortgage process straightforward so you can focus on what matters most your new home.

Refinancing Options

If you're looking to lower your monthly payments or consolidate debt, we offer refinancing options across various loan types. Don't hesitate to reach out for more information about eligibility and how we can assist you in making your financial situation more manageable. At Emblem located at 702 Walnut St Gadsden AL 35901, our dedicated team is ready to help you navigate your loan options. You can reach us at 256-543-7040 during our operating hours from 9:00 AM - 4:45 PM (M,T,Th,F) and 9:00 AM - 1:00 PM (Wed). Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us partner with you on your financial journey!

Unsecured Credit Card Loans

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. These credit cards come with features that let you control your spending while providing peace of mind when unexpected expenses arise.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This tool is designed to help you make informed decisions without the stress of sifting through numerous offers. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This means that every offer you see is fair and transparent, giving you confidence in your choices. One of the key advantages of using LendMesh is its commitment to verified data. Loan offers are sourced only from legitimate financial institutions, ensuring transparency throughout the comparison process. Additionally, LendMesh does not feature sponsored listings. Unlike other platforms that may prioritize lenders based on paid promotions, LendMesh focuses solely on delivering unbiased results tailored to your needs. With real-time rate comparisons available from multiple institutions, users can quickly identify the best options for their financial situation. This timely access to updated information is crucial for making well-informed decisions about loans. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials underscore the reliability of this platform in helping consumers navigate their borrowing options. If you're ready to take control of your financial future, compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

Emblem