Member Savings

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

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:

Friendly, local service featuring real people.

No monthly service fees.

Free access to digital and mobile banking.

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. You may continue to make additional deposits to 3, 6, 12, or 18 month terms.
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 December 10, 2025. Apply Today
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 0.30%
Product Money Market $5,000.00 - $9,999.99	Min. Daily Balance $5,000.00	APY¹ 0.40%
Product Money Market $10,000.00 - $24,999.99	Min. Daily Balance $10,000.00	APY¹ 0.60%
Product Money Market $25,000.00 - $49,999.99	Min. Daily Balance $25,000.00	APY¹ 0.70%
Product Money Market $50,000.00 - $99,999.99	Min. Daily Balance $50,000.00	APY¹ 0.80%
Product Money Market $100,000.00	Min. Daily Balance $100,000.00	APY¹ 1.00%

Share Certificate Accounts
Product	Min. Daily Balance	APY¹	Member Perks APY^1,3
Rates effective as of December 10, 2025. Apply Today
Product 3 Month Certificate	Min. Daily Balance $25.00	APY¹ 0.60%	Member Perks APY^1,3 0.85%
Product 6 Month Certificate	Min. Daily Balance $25.00	APY¹ 1.01%	Member Perks APY^1,3 1.26%
Product 12 Month (1 Year) Certificate	Min. Daily Balance $25.00	APY¹ 3.10%	Member Perks APY^1,3 3.35%
Product 18 Month Certificate	Min. Daily Balance $25.00	APY¹ 2.33%	Member Perks APY^1,3 2.58%
Product 24 Month (2 Year) Certificate	Min. Daily Balance $25.00	APY¹ 2.43%	Member Perks APY^1,3 2.69%
Product 36 Month (3 Year) Certificate	Min. Daily Balance $25.00	APY¹ 2.48%	Member Perks APY^1,3 2.74%
Product 48 Month (4 Year) Certificate	Min. Daily Balance $25.00	APY¹ 2.53%	Member Perks APY^1,3 2.79%
Product 60 Month (5 Year) Certificate	Min. Daily Balance $25.00	APY¹ 2.63%	Member Perks APY^1,3 2.89%

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.

Take me to Digital Banking

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.

Take me to eDocs

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.

Safe deposit boxes are available at our Oregon City, Oak Grove, Newberg, and Canby locations.

What sizes are available?
Box sizes vary by location and are subject to availability. Sizes include:

2″ x 5″ – $20/Month
3″ x 5″ – $25/Month
5″ x 5″ – $40/Month
3″ x 10″ – $50/Month
5″ x 10″ – $60/Month
6″ x 10″ – $70/Month
9″ x 10″ – $95/Month

How do I rent a safe deposit box?
Visit one of the participating branches or call 503.656.0671 and speak with a team member to check availability and set up your rental.

There's more to explore

Checking Accounts

We offer a variety of checking accounts, with everything from high dividend rates that help boost your balance to debit cards that reward you for every dollar you spend. At Embold, our promise is to help you bank boldly. Ready to take the leap?

Check into checking accounts

Consolidation Loans

A consolidation loan from Embold is like your personal financial cleaning service. Wrap up your current debts into one easy payment with a great low rate.

Tell me more.

Ready, set, go

The time is now to pursue your savings goals.

Become a member

Need help?

Call, text or write.

Let's talk

Chat with us online.

Let's chat

Find a branch.

View locations

Disclosures

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

2) Read 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. $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.

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