A smarter way to earn more on your savings — without giving up access.

Our new Member Perks Money Market rewards your relationship with higher dividend tiers, while keeping your money fully liquid.

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Money Market Benefits

Higher dividend rates for members who qualify for Member Perks²
No locked terms — move your money when you need it
Tiered earnings that grow as your balance grows
Built for strong balances, not short-term promos

Next Steps

Open an Member Perks Money Market

Open an account

Learn more about Member Perks

Member Perks

Current Rates

Member Perks Money Market
Product	Member Perks Dividend Rate	Member Perks APY¹	Regular Dividend Rate	Regular APY¹
Rates effective as of March 9, 2026. Apply Today
Product Member Perks Money Market $0.01 - $4,999.99	Member Perks Dividend Rate 0.050%	Member Perks APY¹ 0.05%	Regular Dividend Rate 0.050%	Regular APY¹ 0.05%
Product Member Perks Money Market $5,000.00 - $9,999.99	Member Perks Dividend Rate 0.648%	Member Perks APY¹ 0.65%	Regular Dividend Rate 0.250%	Regular APY¹ 0.25%
Product Member Perks Money Market $10,000.00 - $24,999.99	Member Perks Dividend Rate 0.896%	Member Perks APY¹ 0.90%	Regular Dividend Rate 0.250%	Regular APY¹ 0.25%
Product Member Perks Money Market $25,000.00 - $49,999.99	Member Perks Dividend Rate 1.242%	Member Perks APY¹ 1.25%	Regular Dividend Rate 0.250%	Regular APY¹ 0.25%
Product Member Perks Money Market $50,000.00 - $99,999.99	Member Perks Dividend Rate 1.637%	Member Perks APY¹ 1.65%	Regular Dividend Rate 0.250%	Regular APY¹ 0.25%
Product Member Perks Money Market $100,000.00 - $249,999.99	Member Perks Dividend Rate 2.469%	Member Perks APY¹ 2.50%	Regular Dividend Rate 0.250%	Regular APY¹ 0.25%
Product Member Perks Money Market $250,000+	Member Perks Dividend Rate 3.198%	Member Perks APY¹ 3.25%	Regular Dividend Rate 0.250%	Regular APY¹ 0.25%

Why Member Perks Members Earn More

Your relationship matters here.

You already trust Embold with your everyday banking. The Member Perks Money Market³ is designed to reward that relationship — not just the size of your balance.

Instead of teaser rates, or short-term incentives, this account offers tiered dividends that increase as your balance grows, available exclusively to members who meet our Member Perks criteria.

No hoops. No lockups. Just smarter earnings.

Liquidity vs Share Certificates

Earn more — without locking up your cash

Unlike Share Certificates, your Member Perks Money Market³ keeps your funds accessible. That means:

No maturity dates
No penalties for accessing your money
No need to guess when you’ll need cash

You earn competitive dividends while keeping full control — ideal for emergency reserves, large balances, or money you want working harder right now.

Disclosures

1)APY: Annual Percentage Yield. The percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period.

2) Member Perks: The Member Perks Program is available to both consumer and business accounts and consists of a 0.25% rate increase on Share Certificates or a 0.25% decrease on fixed rate and term loans. $500 closing cost credit on first mortgage loans and $250 closing cost credit on HELOCs and RELOCs. To qualify, you must maintain an active primary share account and have a checking account with at least eight eligible transactions each month. Eligible transactions include direct deposits, withdrawals, deposits, ACH transactions, debit card withdrawals, BillPay payments, and checks (drafts). Internal transfers, fees, and dividends are not included. You must also be enrolled in eStatements or have at least 10 years of membership. Ten-year membership eligibility begins the first day of the month following your 10-year anniversary.

3) Member Perks Money Market accounts are tiered-rate accounts. The dividend rate and APY for each tier are based on qualification status. If Member Perks qualifications are met during the applicable period, the Member Perks Dividend Rate and corresponding APY will apply. If qualifications are not met, the Regular Dividend Rate and corresponding APY will apply. Member Perks: To qualify for member perks, you must maintain an active primary share account and have a checking account with at least eight eligible transactions each month. Eligible transactions include direct deposits, withdrawals, deposits, ACH transactions, debit card withdrawals, BillPay payments, and checks (drafts). Internal transfers, fees, and dividends are not included. You must also be enrolled in eStatements or have at least 10 years of membership. Ten-year membership eligibility begins the first day of the month following your 10-year anniversary

4) Contact us to find out how you can maximize your NCUA coverage or visit ncua.gov to learn more.