Credit union · NCUA insured
Emblem Credit Union
Top CarrotA $619.2M credit union headquartered in Gadsden, AL, with 29,577 members and 6 branches in Alabama. Best rates: CDs 4.25% and savings 0.35% APY.
Emblem Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 78% of U.S. banks and credit unions
#5 of 12 in Anniston, AL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Emblem Credit Union
Emblem Credit Union focuses on financially empowering communities across Northeast Alabama.
- Headquarters
- 702 Walnut St, Gadsden, AL 35901
- NCUA charter
- 67252
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Blount, Calhoun, Cherokee, Cleburne, DeKalb, Etowah, Marshall, Morgan, St. Clair, or Talladega County are eligible for membership.
Employers and groups
- Organizations domiciled in Blount, Calhoun, Cherokee, Cleburne, DeKalb, Etowah, Marshall, Morgan, St. Clair, and Talladega County, as well as qualifying organizations outside these counties, are eligible to join.
Family and household
- Family members related by blood or marriage to an existing Emblem member are eligible to join.
Branches
6 branches in Alabama
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Alabama
6 branches
Anniston area · 2
- Emblem Credit Union230 US Highway 431, Anniston, AL 36206Directions
- Emblem Credit Union2020 US Highway 78 E, Oxford, AL 36203Directions
Gadsden area · 1
- Emblem Credit UnionMain office702 Walnut St, Gadsden, AL 35901Directions
Albertville area · 1
- Emblem Credit Union1008 Portwood Dr, Albertville, AL 35951Directions
Centre area · 1
- Emblem Credit Union1440 Chesnut Byp, Centre, AL 35960Directions
Fort Payne area · 1
- Emblem Credit Union700 Gault Ave S, Fort Payne, AL 35967Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.29% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.63% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.18% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $86 | $76 | — |
- CapitalNet worth ratio11.29%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.63%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.18%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$86Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Emblem Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.