Credit union · NCUA insured
Emblem Credit Union Savings Rates
Top CarrotEmblem Credit Union’s best savings rate is 0.35% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Emblem Credit Union’s savings 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
0.35%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $35
Money Market Account
Top rate
FirstBank
3.40%APY
- Requires
- Another account
- Minimum
- $50
- Earns on $10,000 a year
- $340
2nd-highest rate
Southern Energy Credit Union
2.25%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $225
Emblem Credit Union savings score
77
Savings score
Higher than 43% of U.S. banks and credit unions
- $1,000 balance$1,0000.35%
- $10,000 balance$10,0000.35%
- $100,000 balance$100,0002.00%
- QualifiedQualified0.35%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
0.35%APY
Avoid the $10 monthly service fee by maintaining a $1,000 minimum daily balance. 6 free withdrawals or transfers per month (no more than 3 by check); $10 per transaction in excess thereafter. Compounded monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $50,000Avoid the $10 monthly service fee by maintaining a $1,000 minimum daily balance. Compounded monthly. | 0.35% | $35 | Avoid the $10 monthly service fee by maintaining a $1,000 minimum daily balance. Compounded monthly. |
| $50,000 – $250,000Avoid the $10 monthly service fee by maintaining a $1,000 minimum daily balance. Compounded monthly. | 2.00% | — | Avoid the $10 monthly service fee by maintaining a $1,000 minimum daily balance. Compounded monthly. |
| $250,000 – $500,000Avoid the $10 monthly service fee by maintaining a $1,000 minimum daily balance. Compounded monthly. | 2.50% | — | Avoid the $10 monthly service fee by maintaining a $1,000 minimum daily balance. Compounded monthly. |
| $500,000 and upAvoid the $10 monthly service fee by maintaining a $1,000 minimum daily balance. Compounded monthly. | 3.25% | — | Avoid the $10 monthly service fee by maintaining a $1,000 minimum daily balance. Compounded monthly. |
Regular Share Savings
0.20%APY
Establishes membership with the credit union. Access account with free digital banking services. Dividends calculated on average daily balance, paid monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn APY is $100.00 or more.$100 and up | 0.20% | $20 | Minimum balance to earn APY is $100.00 or more. |
Special-purpose accounts
Variable Rate IRA
0.15%APY
Prep for retirement with a rate that surpasses regular savings. Choose between traditional or Roth IRA. No setup or monthly maintenance fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance to earn APY is $5.00.$5 and up | 0.15% | $15 | Minimum balance to earn APY is $5.00. |
Special Club
0.10%APY
Club account to help save for Christmas, vacations or other purposes. Funds are available for withdrawal at any time with no withdrawal penalties. If required minimum balance is not maintained, account will be closed and remaining funds transferred to share account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance to earn APY is $5.00.$5 and up | 0.10% | $10 | Minimum balance to earn APY is $5.00. |
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.