{"id":8028,"date":"2023-03-16T09:52:49","date_gmt":"2023-03-16T16:52:49","guid":{"rendered":"https:\/\/www.emboldcu.org\/?p=8028"},"modified":"2023-03-16T10:10:12","modified_gmt":"2023-03-16T17:10:12","slug":"embold-is-safe-and-secure","status":"publish","type":"post","link":"https:\/\/www.emboldcu.org\/es\/blog\/announcements\/embold-is-safe-and-secure\/","title":{"rendered":"Embold es seguro y protegido"},"content":{"rendered":"<p>Probablemente haya escuchado sobre el reciente y repentino cierre de Silicon Valley y Signature Banks. Tenga la seguridad de que su cooperativa de ahorro y cr\u00e9dito sigue siendo financieramente fuerte, saludable y capaz de preservar y proteger sus fondos en Embold.<\/p>\n<p>Durante m\u00e1s de 65 a\u00f1os, Embold Credit Union ha servido a nuestros vecinos como una cooperativa financiera sin fines de lucro. Brindamos tarifas bajas, tasas de inter\u00e9s favorables y un excelente servicio para miembros. Lo hemos hecho de una manera segura y cuidadosa, principalmente para evitar problemas como los que peri\u00f3dicamente han provocado la quiebra de los bancos.<\/p>\n<p><strong>\u00bfPor qu\u00e9 Embold es diferente?<\/strong><\/p>\n<p>Hay un gran n\u00famero de diferencias entre los bancos en quiebra recientes de Embold.<\/p>\n<ul>\n<li>Como cooperativa de ahorro y cr\u00e9dito, somos una cooperativa sin fines de lucro, propiedad de nuestros miembros. No tenemos accionistas que nos presionen para que tomemos riesgos indebidos para aumentar las ganancias de los accionistas, y no pagamos a nuestro equipo de administraci\u00f3n con opciones sobre acciones y grandes bonificaciones.<\/li>\n<li>Nuestros dep\u00f3sitos son principalmente de miembros (individuos) como usted. Las personas que depositan sus cheques de pago y utilizan los fondos para satisfacer las necesidades de la vida normal o los ahorros para necesidades de gastos futuras, en lugar de empresas y empresas emergentes potencialmente riesgosas.<\/li>\n<li>Tenemos un balance bien capitalizado. Esto es algo que requieren nuestros reguladores federales.<\/li>\n<li>Tenemos m\u00faltiples fuentes de liquidez disponibles para satisfacer las necesidades de retiro. Estas fuentes de liquidez, en combinaci\u00f3n con nuestro capital, nos colocan en una muy buena posici\u00f3n para absorber impactos severos en la econom\u00eda.<\/li>\n<li>Mantenemos una cartera de pr\u00e9stamos diversa que incluye pr\u00e9stamos de consumo, bienes ra\u00edces y principalmente pr\u00e9stamos comerciales respaldados por bienes ra\u00edces.<\/li>\n<li>No tenemos activos de criptomonedas. Esto significa que no estamos directamente expuestos al riesgo de estos vol\u00e1tiles mercados de divisas digitales.<\/li>\n<li>Como cooperativa de ahorro y cr\u00e9dito, estamos regulados y asegurados por la NCUA, no por la FDIC, por lo que las quiebras bancarias como las que acabamos de ver no amenazan directamente la seguridad y solidez del sistema de cooperativas de ahorro y cr\u00e9dito.<\/li>\n<\/ul>\n<p>Recuerde, sus dep\u00f3sitos en Embold est\u00e1n asegurados hasta $250,000 y posiblemente mucho m\u00e1s dependiendo de la propiedad y la estructura de sus cuentas. Si desea conversar con nosotros sobre el seguro en sus cuentas de dep\u00f3sito, ll\u00e1menos o pase por una de nuestras sucursales.<\/p>\n<p>Tambi\u00e9n puede visitar el estimador de seguros de la NCUA en\u00a0<a href=\"https:\/\/linkprotect.cudasvc.com\/url?a=https%3a%2f%2femboldcu.prismacampaigns.com%2fu%2fezp1cmwgImh0dHBzOi8vbXljcmVkaXR1bmlvbi5nb3YvIiwgOmNvbXBhbnkgMTc1OTI4MTQ5MDc3NzIsIDpjYW1wYWlnbiAxNzU5MjkyOTI1ODIyMSwgOmJsYXN0IDE3NTkyOTI5MjYxMzMwLCA6ZW1haWwtdmFyaWFudCAjdXVpZCAiOTAxZWZhMjQtNTk5Zi00OWQ5LTkwNGMtZTg4MGUxNmFkODIzIiwgOnRyYWlsLWlkICN1dWlkICI2NDExZjM5OS03Y2Y1LTRmYWEtYTNlYy1mZTQyY2Q5YmQ1NGIifQ%3d%3d&amp;c=E,1,Cv6srwO-Y7hFIw4bkPXBhop1z78SO6fXqLAEjmrIxcBj1-refvP5gFqcleNBzC0VMGqKU64oiUNXVFTBy9zfxpE1GFlpHy8kK8ac7cVIVSc71QKW&amp;typo=1\">https:\/\/mycreditunion.gov\/<\/a>.<\/p>\n<p>Gracias por su membres\u00eda con Embold. Nos sentimos honrados de ser su cooperativa de ahorro y cr\u00e9dito y seguimos comprometidos a mejorar las vidas de las comunidades a las que servimos.<\/p>","protected":false},"excerpt":{"rendered":"<p>Probablemente haya escuchado sobre el reciente y repentino cierre de Silicon Valley y Signature Banks. Tenga la seguridad de que su cooperativa de ahorro y cr\u00e9dito sigue siendo financieramente fuerte, saludable y capaz de... <a href=\"https:\/\/www.emboldcu.org\/es\/blog\/announcements\/embold-is-safe-and-secure\/\">Lee mas<\/a><\/p>","protected":false},"author":9,"featured_media":3508,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-8028","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-announcements"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Embold is Safe and Secure | Embold Credit Union<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.emboldcu.org\/es\/blog\/announcements\/embold-is-safe-and-secure\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Embold is Safe and Secure\" \/>\n<meta property=\"og:description\" content=\"You likely have heard about the recent and sudden closure of Silicon Valley and Signature Banks. 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