Credit union · NCUA insured
Emblem Credit Union Credit Card Rates
Top CarrotEmblem Credit Union credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Emblem Credit Union’s credit card rates compare
Compared with banks and credit unions near Anniston, AL, where Emblem Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Emblem Credit Union
9.90%APR
- Up to
- —
Visa® Platinum
Lowest rate
AmFirst
7.80%APR
- Up to
- —
2nd-lowest rate
AOD Federal Credit Union
8.49%APR
- Up to
- 16.99% APR
Emblem Credit Union credit card score
84
Credit card score
Higher than 65% of U.S. banks and credit unions
- Purchase APRPurchase APR9.90%
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 credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa® Platinum
No annual fees. Rates vary based on credit history and underwriting factors.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | For limits $4,999.99 and below. Stated APR is as low as 9.90% and varies based on individual borrower's credit history and underwriting factors. 25-day interest-free grace period. |
Sources (2)
All captured Oct 7, 2026
Visa® Signature
No annual fees. Rates vary based on credit history and underwriting factors.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | For limits $5,000 and above. Stated APR is as low as 9.90% and varies based on individual borrower's credit history and underwriting factors. 25-day interest-free grace period. |
Sources (2)
All 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This may be incomplete or out of date, so check with the credit union before you apply.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.