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Cuentas Claras

Designed to uplift and support our Hispanic communities and members.

We are committed to breaking down barriers and creating pathways to financial literacy and independence for Hispanic individuals and families.

Why Embold?

Embold Credit Union is a local, member-owned, not-for-profit financial cooperative. Anyone who lives, works, worships, or attends school in Clackamas, Multnomah, Washington, Marion, Yamhill, and Polk Counties, or is family of a current member, can join Embold.

A structure that puts you first

Our decisions are all made with you in mind and keep your best interests at the forefront.

Our Board of Directors are all volunteers, and they are all member-owners — just like you. That means the decisions they make about our services and the future they are helping to shape for Embold impact them just as much as they impact you.

Value that benefits your bottom line

We drive the profits that we make directly back into the products and services we offer you. This means more affordable loan rates and fewer fees — including one of the industry’s lowest overdraft fees on checking accounts. But we don’t stop there. We also reinvest profits into providing a better digital experience and top-notch member service.

Impact you can see

We encourage our staff to use paid volunteer time to get involved with causes that they care about. Our Community Development and Leadership teams work with local organizations to see how we can best partner and support their operations and future goals.

We set lofty goals each year around volunteerism, financial education, and community investment. Every member who joins Embold helps us get a little closer to creating the future our community needs. You can learn more about the work we do throughout our corner of Oregon on our Community Impact page.

Brighter financial futures for all

Discover how Embold offers culturally relevant financial education, services, and resources tailored to the unique needs and aspirations of our Hispanic community and members. Learn about the direct benefits, including access to bilingual banking services, workshops on financial management, and personalized support designed to empower you with the knowledge and tools for financial success.

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Financial Literacy

We’re committed to inclusivity and financial education by offering a series of workshops conducted entirely in Spanish. These workshops are designed to empower Spanish-speaking members with knowledge on topics ranging from basic financial literacy to advanced investment strategies. By providing these resources, we aim to bridge the language gap and ensure that all members have equal access to financial education and opportunities.

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Juntos Avanzamos

We proudly bear the Juntos Avanzamos designation, a testament to our commitment to serving and empowering the Hispanic and immigrant communities. This prestigious recognition is awarded to credit unions that demonstrate excellence in providing accessible financial services, including bilingual staff and culturally relevant offerings. By achieving the Juntos Avanzamos designation, we reinforce our dedication to inclusivity, ensuring that it meets the unique needs of our diverse membership base.

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ITIN Lending

We recognize the diverse needs of our communities by offering ITIN (Individual Taxpayer Identification Number) Lending services. This initiative is specifically tailored to help non-citizens and residents who may not have a Social Security Number but require financial support, enabling them to apply for loans and credit. Through ITIN Lending, we demonstrate our commitment to financial inclusivity, ensuring that all members have the opportunity to achieve their financial goals regardless of their citizenship status.

Learn more

Witness how we're building a brighter, more inclusive future for our Hispanic communities.

Questions? We've got answers.

Yes. We provide a full-service banking experience, with savings and checking accounts and a complete array of lending products, including first mortgages. We’re federally insured by NCUA, which protects your money up to $250,000. That’s the same amount protected by the FDIC in an account at a bank.

Simply open a savings account (also called a share) with a minimum deposit of $5.00. Visit our Join page to get started.

Membership is open to anyone who lives, works, worships, or attends school in Clackamas, Marion, Multnomah, Polk, Washington, and Yamhill counties, as well as their immediate family members.

No, there are no membership fees. That said, your $5.00 opening deposit (your minimum member share) must remain in your account throughout your membership.

Join Embold

It’s quick and easy. Whether you prefer to join in person or online, we’ve got you covered.

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