NCUA Insured
Member-Owned
2 charter
Established in 1959
Contact this credit union directly for detailed information about membership eligibility and current rates.
Membership Eligibility
Anyone who lives, works, or worships in or around Gadsden, AL may be eligible to join. Community credit unions are open to the general public within their service area.
Check eligibility on their website →NCUA Insured — deposits protected up to $250,000
Member-Owned — not-for-profit cooperative
2 charter
Established in 1959
Low-Income Designated
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
This credit union is located in Gadsden and serves members in the AL area. Currently serving 29,387 members.
Contact the credit union to confirm membership eligibility requirements for your area.
Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.
Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.
Source: NCUA Federally Insured Credit Unions list, Q4 2025.
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.
Lowest rates currently reported by credit unions in AL (NCUA Q4 2025).
Stevenson, AL
Birmingham, AL
Bay Minette, AL
Birmingham, AL
Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
4.0
74 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google MapsRooster
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
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
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
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)
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.
Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.
Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).
Phone
(256) 543-7040Website
Visit WebsiteMembers
29,387
Total Assets
$597.1M
Year Opened
1959
Net Worth
Well Capitalized
Designations
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile