Member Savings

Member Savings

Where you can be bold, dream big, and save more.

Become a member

Boldly grow into the next chapter of your life with Embold’s Member Savings. Here is where we empower you to build a cushion and pursue your savings goals.

All of our savings accounts feature:

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Friendly, local service featuring real people.

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No monthly service fees.

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Free access to digital and mobile banking.

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Deposits up to $250,000 guaranteed through NCUA4.

Let's find your perfect fit

  • Great for members who:

    Great for members who:

  • Minimum opening deposit:

    Minimum opening deposit:

  • Transaction limits:

    Transaction limits:

Regular Share¹

  • Great for members who:

    Love the basics. You automatically get a Share Account when you join.

  • Minimum opening deposit:

    $5.00

  • Transaction limits:

    None

Money Market¹

  • Great for members who:

    Are interested in interest. Solid rates with unlimited, anytime access to your savings. 

  • Minimum opening deposit:

    None

  • Transaction limits:

    None

Club Account¹

  • Great for members who:

    Want to flex your money prowess. Start any time during the year. Accounts pay out on October 31st. 

  • Minimum opening deposit:

    None

  • Transaction limits:

    $5 charge on each early withdrawal prior to October 31st. 

Share Certificates²

  • Great for members who:

    Play the long game. Set yourself up to earn a higher rate over a longer period of time. Choose terms between 3 and 60 months. 

  • Minimum opening deposit:

    $25.00

  • Transaction limits:

    Choose your term between 3 and 60 months. Penalties may apply for early withdrawal. 

Interest rates to help boost your savings

Regular Savings Accounts

Product

Min. Daily Balance

APY1

Rates effective as of April 15, 2024

Product

Savings

Min. Daily Balance

$0.00

APY1

0.05%

Product

Youth Savings (Cub Accounts & Student Savers)

Min. Daily Balance

$0.00

APY1

0.05%

Product

Club Account

Min. Daily Balance

$0.00

APY1

0.50%

Product

Money Market $0.01 - $4,999.99

Min. Daily Balance

$0.00

APY1

0.40%

Product

Money Market $5,000.00 - $9,999.99

Min. Daily Balance

$5,000.00

APY1

0.60%

Product

Money Market $10,000.00 - $24,999.99

Min. Daily Balance

$10,000.00

APY1

0.70%

Product

Money Market $25,000.00 - $49,999.99

Min. Daily Balance

$25,000.00

APY1

0.80%

Product

Money Market $50,000.00 - $99,999.99

Min. Daily Balance

$50,000.00

APY1

0.90%

Product

Money Market $100,000.00

Min. Daily Balance

$100,000.00

APY1

1.05%

Share Certificate Accounts

Product

Min. Daily Balance

APY2

Member Perks APY2,3

New Money APY2,6

New Money and Member Perks APY2,3,6

Rates effective as of April 15, 2024.

Product

3 Month Certificate

Min. Daily Balance

$25.00

APY2

0.55%

Member Perks APY2,3

0.80%

New Money APY2,6

1.06%

New Money and Member Perks APY2,3,6

1.31%

Product

6 Month Certificate

Min. Daily Balance

$25.00

APY2

1.26%

Member Perks APY2,3

1.51%

New Money APY2,6

1.77%

New Money and Member Perks APY2,3,6

2.02%

Product

12 Month (1 Year) Certificate

Min. Daily Balance

$25.00

APY2

3.93%

Member Perks APY2,3

4.19%

New Money APY2,6

4.45%

New Money and Member Perks APY2,3,6

4.71%

Product

18 Month Certificate

Min. Daily Balance

$25.00

APY2

2.53%

Member Perks APY2,3

2.79%

New Money APY2,6

3.05%

New Money and Member Perks APY2,3,6

3.30%

Product

24 Month (2 Year) Certificate

Min. Daily Balance

$25.00

APY2

2.02%

Member Perks APY2,3

2.28%

New Money APY2,6

2.53%

New Money and Member Perks APY2,3,6

2.79%

Product

36 Month (3 Year) Certificate

Min. Daily Balance

$25.00

APY2

2.17%

Member Perks APY2,3

2.43%

New Money APY2,6

2.69%

New Money and Member Perks APY2,3,6

2.94%

Product

48 Month (4 Year) Certificate

Min. Daily Balance

$25.00

APY2

2.58%

Member Perks APY2,3

2.84%

New Money APY2,6

3.10%

New Money and Member Perks APY2,3,6

3.36%

Product

60 Month (5 Year) Certificate

Min. Daily Balance

$25.00

APY2

3.17%

Member Perks APY2,3

3.43%

New Money APY2,6

3.69%

New Money and Member Perks APY2,3,6

3.95%

Mobile Banking class="wrapper">

Bank boldly from anywhere.

All Embold members can use our digital banking services for free anywhere, anytime. Login to your accounts from your favorite desktop or mobile device and manage your money, move it around, nickname accounts, open new accounts, and more.

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Lose the paper trail with eDocs.

Get your statements, notices, and tax forms instantly. Keep sensitive info out of your mailbox and reduce the paper you consume. Get started today by logging in to digital banking and selecting the “electronic documents” widget. Secure your info and use less paper—it’s that easy.

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Run the numbers

Questions? We've got answers

The Club Account is our yearly savings account. You can open it at any time of the year. Your deposits can be made at a branch, by check, by automatic or online banking transfer, via direct deposit, or through our mobile app. Your savings will grow with a competitive rate. On the maturity date (October 31st), the funds will be disbursed via check or automatic transfer to the Embold account you’ve predetermined.

In a Share Certificate, you make an opening deposit, then let your money grow undisturbed for a set period of time. Because the term is fixed, your money can grow faster at a higher rate. Terms are available in 3, 6, 12, 24, 36, 48, and 60 month intervals.

They’re very similar. The main difference is that you can earn a higher rate with a Money Market Account as long as you maintain an account balance over $5,000.

Ready, set, go

The time is now to pursue your savings goals.

Become a member

Need help?

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Let's talk
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Find a branch.
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Disclosures

1) For details, see our Truth in Savings document.

2) Read our Truth in Savings Certificate disclosures here.

3) Member Perks: On your fourth product, take advantage of a 0.25% rate increase on Share Certificates or 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. Required products include: a savings account, a checking account, enrolled in eStatements, and one additional deposit or loan product.

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