Emblem

gadsden, Alabama
Last verified: July 6, 2026

As of July 6, 2026, Emblem offers a savings mortgage at 1% APR (1% rate, 0 points). Auto loans available from 4.88% APR. Personal loan rates from 2.25% APR.

Source: RateAPI.dev, verified from Emblem's official website

Mortgage Rates

Rates as of July 6, 2026

savings
1.000% APR
Rate1.000%
Points0
nHanced Checking
money_market
2.000% APR
Rate1.980%
Points0
Money Market Account
ira_cd_60mo
2.480% APR
Rate2.450%
Points0
60 Month IRA Share Certificate
ira_cd_24mo
2.530% APR
Rate2.500%
Points0
24 Month IRA Share Certificate
share_certificate_24mo
2.530% APR
Rate2.500%
Points0
24 Month Term Share Certificate Accounts
ira_cd_36mo
2.530% APR
Rate2.500%
Points0
36 Month IRA Share Certificate
share_certificate_36mo
2.530% APR
Rate2.500%
Points0
36 Month Term Share Certificate Accounts
ira_cd_48mo
2.580% APR
Rate2.550%
Points0
48 Month IRA Share Certificate
share_certificate_60mo
2.740% APR
Rate2.700%
Points0
60 Month Term Share Certificate Accounts
share_certificate_48mo
2.840% APR
Rate2.800%
Points0
48 Month Term Share Certificate Accounts
ira_cd_12mo
3.300% APR
Rate3.250%
Points0
12 Month IRA Share Certificate
share_certificate_12mo
3.300% APR
Rate3.250%
Points0
12 Month Term Share Certificate Accounts
share_certificate_15mo
3.650% APR
Rate3.585%
Points0
15 Month Special Term Share Certificate Accounts
share_certificate_6mo
3.820% APR
Rate3.750%
Points0
6 Month Term Share Certificate Accounts
share_certificate_7mo
3.900% APR
Rate3.826%
Points0
7 Month Special Term Share Certificate Accounts
share_certificate
4.740% APR
Rate4.740%
Points0
Share Certificate Secured

Auto Loan Rates

Rates as of July 6, 2026

auto
4.880% APR
Rate4.880%
Auto Loans (2018-2026)
auto
5.875% APR
Rate5.875%
Auto Loans (2011 - 2017)
auto
6.250% APR
Rate6.250%
Auto Loans (2016 - 2019)
auto
7.125% APR
Rate7.125%
Boats/Campers/Tractors/ATVs/Motorcycles/Jet Skis/Mowers/Golf Carts
auto
7.250% APR
Rate7.250%
Recreational Vehicle Loans (2009 - 2020)
auto
8.375% APR
Rate8.375%
Recreational Vehicle Loans (2022 - 2026)
credit_card_platinum
9.900% APR
Rate9.900%
Visa® Platinum
credit_card_platinum
9.900% APR
Rate9.900%
Visa® Signature

Personal Loan Rates

Rates as of July 6, 2026

personal_secured
2.250% APR
Rate2.250%
Share Secured
personal
6.990% APR
Rate6.990%
Merry & Bright Holiday Loan Special
personal_unsecured
9.375% APR
Rate9.375%
Personal Loans

Frequently Asked Questions

What rates does Emblem offer?

Emblem currently offers mortgage, auto loan, and personal loan rates. The rates shown on this page were last verified July 6, 2026 directly from the credit union's official website.

How often are Emblem rates updated?

RateAPI verifies Emblem's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 6, 2026.

Where does RateAPI get Emblem's rate data?

Rate data is collected directly from Emblem's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Emblem's mortgage rate?

As of July 6, 2026, Emblem offers a savings mortgage at 1% APR.

What is Emblem's auto loan rate?

As of July 6, 2026, Emblem offers auto loans from 4.88% APR.

Related Rate Data

Compare Emblem's rates against national credit-union benchmarks.

More Alabama credit unionsMortgage rate benchmarkAuto loan rate benchmarkPersonal loan ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Use it via API

Access this data programmatically with our REST API

terminal
# Get rates for Emblem
curl "https://api.rateapi.dev/credit-unions/alabama/emblem" \
  -H "Authorization: Bearer YOUR_API_KEY"
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