Credit union · NCUA insured
Emblem Credit Union Auto Loan Rates
Top CarrotEmblem Credit Union auto loans start at 5.25% APR for a new vehicle and 5.13% for a used one. Rates checked October 22, 2026.
How Emblem Credit Union’s auto loan rates compare
Compared with banks and credit unions near Anniston, AL, where Emblem Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Emblem Credit Union
5.25%APR
- Terms
- up to 84 months
New Name, Fresh Rates Loan Special
Lowest rate
AOD Federal Credit Union
2.74%APR
- Terms
- up to 75 months
2nd-lowest rate
Southern Energy Credit Union
4.60%APR
- Terms
- up to 63 months
Emblem Credit Union auto loan score
80
Auto loan score
Higher than 53% of U.S. banks and credit unions
- New vehicleNew5.25%
- Used vehicleUsed5.13%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Emblem Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loans (2011 - 2017)
APR based on creditworthiness, credit history, and underwriting factors. Terms may be limited by loan amount, credit history, and other factors. Not all collateral items qualify for terms shown. Rates and terms subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.75% | Repayment amount of $44.21 per month per $1,000 borrowed. |
| up to 36 months | 6.25% | Repayment amount of $30.54 per month per $1,000 borrowed. |
| up to 48 months | 6.50% | Repayment amount of $23.71 per month per $1,000 borrowed. |
| up to 60 months | 7.00% | Repayment amount of $19.80 per month per $1,000 borrowed. |
Sources (1)
- emblemcu.com/loans-credit/cred…rsonal-credit-cards.html · captured Oct 7, 2026
Auto Loans (2016 - 2019)
APR based on creditworthiness, credit history, and underwriting factors. Terms may be limited by loan amount, credit history, and other factors. Not all collateral items qualify for terms shown. Rates and terms subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.25% | Repayment amount of $23.60 per month per $1,000 borrowed. |
| up to 60 months | 6.50% | Repayment amount of $19.57 per month per $1,000 borrowed. |
Sources (1)
- emblemcu.com/loans-credit/cred…rsonal-credit-cards.html · captured Oct 7, 2026
Auto Loans (2018-2026)
APR based on creditworthiness, credit history, and underwriting factors. Terms may be limited by loan amount, credit history, and other factors. Not all collateral items qualify for terms shown. Rates and terms subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.63% | Repayment amount of $29.81 per month per $1,000 borrowed. |
| up to 48 months | 4.88% | Repayment amount of $22.97 per month per $1,000 borrowed. |
| up to 60 months | 5.13% | Repayment amount of $18.93 per month per $1,000 borrowed. |
| up to 72 months | 5.38% | Repayment amount of $16.28 per month per $1,000 borrowed. |
| up to 84 months | 6.13% | Repayment amount of $14.67 per month per $1,000 borrowed. |
Sources (1)
- emblemcu.com/loans-credit/cred…rsonal-credit-cards.html · captured Oct 7, 2026
New Name, Fresh Rates Loan Special
Must meet membership and credit requirements to obtain loan. Rate may vary based on each individual borrower’s credit history and other underwriting factors. For year models 2016-2024. Borrower(s) may elect to defer the first payment due date up to 45 days from loan origination (interest accrues from origination). Offer not valid on current Emblem Credit Union Loans and cannot be combined with other offers.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.25% | Estimated monthly repayment amount of $14.25 per $1,000.00 borrowed. Term of up to 84 months for year models 2016-2024. |
Sources (1)
- emblemcu.com/loans-credit/cred…rsonal-credit-cards.html · captured Oct 7, 2026
Who can join Emblem Credit Union
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.
Membership information collected October 4, 2026.