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Emblem

P O BOX 1400, Gadsden, AL 35902
NCUA Insured4.0 (74 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1959

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

P O BOX 1400

Gadsden, AL 35902

Service Area

This credit union is located in Gadsden and serves members in the AL area. Currently serving 29,387 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.50%

Used Auto Loan

6.50%

Personal Loan

14.00%

Credit Card APR

11.00%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in AL

Lowest rates currently reported by credit unions in AL (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(8 total)

Member Reviews

4.0

74 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Rooster

Rooster

7 months ago

Closed on Veterans day, not noted anywhere, all of the online stuff says open, invluding hours. I get it its a fed. Holiday, but it needs to read that way online. Im enlisting in the army, and needed a paper signed from my bank, and have now wasted the gas coming out here because everywhere online it says open. Now ive got to take time away from work and waste more gas to come back out tomorrow.

Deborah Aldridge

Deborah Aldridge

a year ago

I recently moved my checking and savings account to Emblem. I wish I had done so sooner!!!!! They do not charge for checkes. The receptionist is always smiling, friendly, and helpful. Everyone has been so kind to me. But I would like to give a special shout out to Jared Enders. My husband passed away and I needed help getting his 401K transferred to my name. I did not have any idea where to even begin!!!!! Mr. Enders spent over an hour tracking down who i needed to get in touch with. He got the ball rolling. He was extremely patient with both them and me. Now Ramond James is falling over themselves to help me and my issue has been resolved. Thank you again Mr. Enders.

Maleik Parker

Maleik Parker

6 months ago

This Bank Sucks With all the Fees And The Overdraft fee is damn near Extrotion ,for 10 overdraft is a Fee Of $20 Navy Federal would never

Kanina Crosen

Kanina Crosen

a year ago

Several of my friends told me I should check Emblem out as I needed a used car loan. They have the BEST rates and Amy has been absolutely amazing to work with. She has made getting a used car loan a breeze. I wish I would have been able to utilize them in the past!

Sharon (ZumbaSharon)

Sharon (ZumbaSharon)

2 years ago

I am a proud ATCU member for over 23+ years. I have met great loan officers and tellers who I have built a rapport. Ms. K. Jackson has always been awesome to work with and others. I went through a hardship years ago and ATCU helped me to get back on my feet. ATCU has been nothing but provided good services.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).