This 0% APR* Balance Transfer Offer Ends Soon
Transfer your loan balances by January 31 and enjoy a 0.00% APR* until June 30, 2026.
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What our members say about us.
EdwardWhen I phoned a few years ago about refinancing to get rid of my PMI, the loan officer could see that I was a no risk borrower and took immediate steps to make my new loan happen. She cut through any interference.
Get ready for a different kind of banking
Rates that empower you
We’re here to help you win. At Embold, you’ll find some of the most competitive rates around.
Interest with impact
The more you put in, the more you gain. Whether you’re saving for college or a new home, we’ll go the extra mile to help you achieve your goals.
Mobile Branch
Our Mobile Branch is like a credit union branch on the go—packing all the goodies of a full-service credit union onto a set of wheels.
By the numbers
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Our first priority is you
Structure That Puts You First
Embold Credit Union is a local, member-owned, not-for-profit financial cooperative. That means when you join Embold, you become a member and an owner. All decisions we make keep your best interests at the forefront.
Value That Benefits You
They say a rising tide lifts all boats. We’re focused on creating the best future possible for everyone we serve in our communities, not just for an elite group of stakeholders.
Impact You Can Really See
We’re local, just like you. That means we’re fiercely committed to improving the communities we serve. You can learn more about the work we do throughout our corner of Oregon on our Community Impact page.
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Disclosures
Title VI of the Civil Rights Act of 1964 (“Title VI”) prohibits discrimination on the basis of race, color, national origin, sex, age, or disability. Embold Credit Union does not exclude people or treat them differently because of race, color, national origin, sex, age, or disability. We also strive to provide reasonable language assistance services to persons with limited English language proficiency to enable them to access our services. If you believe that Embold Credit Union has failed to provide these services or discriminated in another way on the basis of race, color, national origin, sex, age, or disability, you can file a complaint of discrimination to: crcomplaints@treasury.gov.
*APR = Annual Percentage Rate. Promotional offer is valid from January 2, 2026, through January 31, 2026, and is specific to Balance Transfer Transactions Only. Promotion applies to new money only, existing balances with Embold may not be transferred at promotional rate. Promotional Interest Rate of 0.00% APR for Balance Transfer Transactions expires June 30, 2026. Your current contracted Platinum Visa or Rewards Visa interest rate will apply thereafter. If the transfer information you provide is incomplete, Embold Credit Union will not be able to process the transfer request. Transfers will only be sent to recognized creditors or financial institutions and will not be sent to your home or billing address. Please continue to make your minimum required payment until the requested transfer payment appears on your account’s billing statement. Embold Credit Union is not responsible for any remaining balance on that account, or for any finance charges you may incur due to delays in transferring a balance. If you transfer an amount for a transaction you dispute, you may lose some or all of your rights with the other creditor. While Embold Credit Union can pay your accounts directly, we cannot close them for you. You must contact the creditor yourself if you wish to close any of the transfer accounts. Account balance transfers are contingent upon account setup and assigned credit limit. In some cases, Embold Credit Union may not be able to process a balance transfer request.