Ambraw Federal Credit Union has served southeastern Illinois since 1935, taking its name from the nearby Embarras River. Headquartered around Lawrenceville and Mount Carmel, this small member-owned cooperative provides savings, checking, and consumer loans to a close community of select employee groups and their families, emphasizing personal service over branch count.

Named for the winding Embarras River that runs through southeastern Illinois, Ambraw Federal Credit Union has offered honest, community-first banking since 1935. As a small not-for-profit cooperative, Ambraw returns value to members through low loan rates and minimal fees rather than shareholder profits. It's the kind of place where tellers know your name and your goals. Stretch that value further by linking your Ambraw debit card to Fluz, so everyday purchases, bill payments, and even loading your account can earn you cashback. Bank local, save personally, and let Fluz add a rewarding layer to every transaction with Ambraw.