Business Savings

Taking care of your business is our business.

Become a business member

At Embold, we offer consistently strong rates to help you grow a consistently strong business.

All Embold business savings accounts feature:

No transaction limits.

Free online and mobile banking.

Unlimited number of additional accounts available at no cost.

Deposits up to $250,000 guaranteed by NCUA.³

Free unlimited access to our coin machines.

Let's take a closer look:

Overview

Overview
Minimum opening deposit

Minimum opening deposit
Monthly fee

Monthly fee
Pays interest?

Pays interest?
Tiered interest based on:

Tiered interest based on:

Business Share

Overview

Our basic savings share that pays a better-than-basic rate of return and features no monthly service fees, ever. You automatically get one when you open your business membership.
Minimum opening deposit

$5.00
Monthly fee

None
Pays interest?
Tiered interest based on:

N/A

Money Market

Overview

Ready to take your savings up a notch? We'll waive the $10 monthly service charge when you keep a minimum $5,000 daily balance. Plus, the more you save, the more you earn.
Minimum opening deposit

None
Monthly fee

$10.00 (waived with a $5,000 daily balance)
Pays interest?
Tiered interest based on:

Balance

Business Certificates

Overview

Have some extra cash on hand? Select the term that works for you and take advantage of higher interest rates. The longer the term you select, the more you can earn.
Minimum opening deposit

$25.00
Monthly fee

None
Pays interest?
Tiered interest based on:

Term

Today's business deposit rates

Business Deposit Accounts
Product	Min. Daily Balance	APY^1,2	Member Perks APY³	Minimum Daily Balance to Avoid Fee
Share Savings & Money Market rates effective as of March 12, 2026. Apply now! Share Certificate rates effective as of March 12, 2026. Apply now!
Product Business Primary Share	Min. Daily Balance $0.00	APY^1,2 0.05%	Member Perks APY³ N/A	Minimum Daily Balance to Avoid Fee N/A
Product Business Money Market $0.01 - $4,999.99	Min. Daily Balance $0.00	APY^1,2 0.30%	Member Perks APY³ N/A	Minimum Daily Balance to Avoid Fee $5000.00
Product Business Money Market $5,000.00 - $9,999.99	Min. Daily Balance $5,000.00	APY^1,2 0.40%	Member Perks APY³ N/A	Minimum Daily Balance to Avoid Fee $5000.00
Product Business Money Market $10,000.00 - $24,999.99	Min. Daily Balance $10,000.00	APY^1,2 0.60%	Member Perks APY³ N/A	Minimum Daily Balance to Avoid Fee $5000.00
Product Business Money Market $25,000.00 - $49,999.99	Min. Daily Balance $25,000.00	APY^1,2 0.70%	Member Perks APY³ N/A	Minimum Daily Balance to Avoid Fee $5000.00
Product Business Money Market $50,000.00 - $99,999.99	Min. Daily Balance $50,000.00	APY^1,2 0.80%	Member Perks APY³ N/A	Minimum Daily Balance to Avoid Fee $5000.00
Product Business Money Market $100,000.00	Min. Daily Balance $100,000.00	APY^1,2 1.00%	Member Perks APY³ N/A	Minimum Daily Balance to Avoid Fee $5000.00
Product Business Perks Money Market⁴ $0.01 - $4,999.99	Min. Daily Balance $0.00	APY^1,2 0.050%	Member Perks APY³ 0.05%	Minimum Daily Balance to Avoid Fee N/A
Product Business Perks Money Market⁴ $5,000.00 - $9,999.99	Min. Daily Balance $0.00	APY^1,2 0.250%	Member Perks APY³ 0.65%	Minimum Daily Balance to Avoid Fee N/A
Product Business Perks Money Market⁴ $10,000.00 - $24,999.99	Min. Daily Balance $0.00	APY^1,2 0.250%	Member Perks APY³ 0.90%	Minimum Daily Balance to Avoid Fee N/A
Product Business Perks Money Market⁴ $25,000.00 - $49,999.99	Min. Daily Balance $0.00	APY^1,2 0.250%	Member Perks APY³ 1.25%	Minimum Daily Balance to Avoid Fee N/A
Product Business Perks Money Market⁴ $50,000.00 - $99,999.99	Min. Daily Balance $0.00	APY^1,2 0.250%	Member Perks APY³ 1.65%	Minimum Daily Balance to Avoid Fee N/A
Product Business Perks Money Market⁴ $100,000 - $249,999.99	Min. Daily Balance $0.00	APY^1,2 0.250%	Member Perks APY³ 2.50%	Minimum Daily Balance to Avoid Fee N/A
Product Business Perks Money Market⁴ $250,000+	Min. Daily Balance $0.00	APY^1,2 0.250%	Member Perks APY³ 3.25%	Minimum Daily Balance to Avoid Fee N/A
Product Business 12 Month Share Certificate	Min. Daily Balance $25.00	APY^1,2 3.20%	Member Perks APY³ 3.46%	Minimum Daily Balance to Avoid Fee N/A
Product Business 18 Month Share Certificate	Min. Daily Balance $25.00	APY^1,2 2.43%	Member Perks APY³ 2.69%	Minimum Daily Balance to Avoid Fee N/A
Product Business 24 Month Share Certificate	Min. Daily Balance $25.00	APY^1,2 2.53%	Member Perks APY³ 2.79%	Minimum Daily Balance to Avoid Fee N/A
Product Business 36 Month Share Certificate	Min. Daily Balance $25.00	APY^1,2 2.69%	Member Perks APY³ 2.94%	Minimum Daily Balance to Avoid Fee N/A
Product Business 48 Month Share Certificate	Min. Daily Balance $25.00	APY^1,2 2.79%	Member Perks APY³ 3.05%	Minimum Daily Balance to Avoid Fee N/A
Product Business 60 Month Share Certificate	Min. Daily Balance $25.00	APY^1,2 2.89%	Member Perks APY³ 3.15%	Minimum Daily Balance to Avoid Fee N/A

Run the numbers

Questions? We have answers

We have a checklist to help you with that question. Open the document here.

If your business is located or registered in Clackamas, Multnomah, Washington, Marion, Yamhill, or Polk County, you can be a business member here.

Ready, set, go

Become a business member today to open your share account and get started saving.

Become a business member

There's more to explore

Business Checking

The Embold business checking lineup was created with you in mind. Find the account that works for you. Enjoy instant access to your funds, a fee-free network of over 30,000 ATMs nationwide, and the financial tools you need to support your business.

See our Business Checking options

Business Calculators

Not all wheels need to be reinvented. At Embold, we’ll help you with tried-and-true financial business basics so you can focus on innovating where it counts.

See how we can help

How can we help?

Call, text or write.

Let's talk

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Disclosures

1) For details, see our Truth in Savings disclosures here.

2) For details, see our Truth in Savings Certificate disclosures here.

3) 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. 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.

4) Business 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