Credit union · NCUA insured
Emblem Credit Union CD Rates
Top CarrotEmblem Credit Union’s best CD rate is 4.25% APY on a 2-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Emblem Credit Union’s CD rates compare
Compared with banks and credit unions near Anniston, AL, where Emblem Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Emblem Credit Union
4.25%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $868
Term Share Certificate Accounts
Top rate
Farmers & Merchants Bank
4.32%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,355
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Emblem Credit Union CD score
89
CD score
Higher than 87% of U.S. banks and credit unions
- 3–8 months3–8 mo3.90%
- 9–15 months9–15 mo3.65%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Emblem Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Term Share Certificate Accounts
Up to 4.25%APY · 8 terms
Penalties may apply for early withdrawal. Reduced $300 minimum deposit to open for youth accounts (Embark Youth Club and Empower Teen Club only). No setup or maintenance fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.82% | $189 |
| 7 monthsFunds for deposit must come from an external source and not an existing deposit account at Emblem Credit Union. Upon maturity, the term share certificate will automatically renew to a 6-month term at the rate in effect at the time of renewal unless you instruct us otherwise. Emblem Credit Union reserves the right to limit deposits into this term share certificate | 3.90% | $226 |
| 12 months | 3.55% | $355 |
| 15 monthsUpon maturity, the term share certificate will automatically renew to a 12-month term at the rate in effect at the time of renewal unless you instruct us otherwise. Emblem Credit Union reserves the right to limit deposits into this term share certificate | 3.65% | $458 |
| 24 months | 4.25% | $868 |
| 36 months | 4.00% | $1,249 |
| 48 months | 3.75% | $1,587 |
| 60 months | 3.75% | $2,021 |
Special-purpose accounts
IRA Share Certificate
Up to 4.25%APY · 5 terms
Traditional and Roth IRA options available. No setup fees. No monthly or annual maintenance fees. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.55% | $355 |
| 24 months | 4.25% | $868 |
| 36 months | 4.00% | $1,249 |
| 48 months | 3.75% | $1,587 |
| 60 months | 3.75% | $2,021 |
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.