2024 Holiday Loan

Make Your Season Bright with a Holiday Loan

Borrow up to $1,500 at 15.00% APR* for 12 months – no credit pull required.

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What our members say about us.

When 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.

Edward

Get ready for a different kind of banking

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Rates that empower you

We’re here to help you win. At Embold, you’ll find some of the most competitive rates around.

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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.

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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.

See where we are

By the numbers

290
Hours spent teaching financial literacy
1,290
Hours volunteered in our community
$157k
Raised for local community partners
40
Hours taught in Spanish
2,838
Students taught financial literacy
100%
Percentage of employees who volunteer

See our latest news and posts

Avoid Holiday Shopping Scams

Holiday Shopping Scams: How to Protect Yourself This Season

The holiday season brings excitement, celebrations, and plenty of shopping. Unfortunately, it also brings a big increase in holiday shopping scams targeting busy shoppers. Scammers count on people rushing, multitasking,… Read more
Holiday Travel Tips

Smart, Budget-Friendly Holiday Travel Tips

Holiday travel season is officially here—cue the cozy sweaters, packed suitcases, and the search for the best deals. Whether you’re heading across the country or driving a few hours to… Read more
Close-up of ripe purple wine grapes growing on a vine in Yamhill County, Oregon, symbolizing the region’s vibrant community and agricultural roots.

Meet Angel: The New Leader at Embold Yamhill County Branches

There’s a new face leading the way at Embold Credit Union’s McMinnville and Newberg branches — though for many in Yamhill County, he’s already a familiar one. Angel A. Aguiar,… Read more
How to Build Credit Blog

How to Build Credit and Understand Your Credit Score

If you’re new to credit—or just trying to understand how credit scores work—you’re not alone. Credit can feel confusing at first, but with the right knowledge and healthy financial habits,… Read more

Our first priority is you

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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.

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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.

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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.

Are you ready to bank boldly?

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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. All loans subject to minimum qualifications. Must be member in good standing for previous 12 months. Offer available November 13, 2025, through December 31, 2025, or as determined by credit union management. If payments are not received exactly as scheduled, your final payment will reflect that. One loan per member.