Live, laugh, earn share certificate promo image

Live, Laugh, Earn up to 5.39% APY1 on 18-Month Share Certificates.

Live, Laugh, Earn!

LIVE your life your way.
LAUGH until it hurts.
EARN like never before with as little as $500!

How’s that for inspiring?


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Ready to join Embold and earn higher dividends with Share Certificates?

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Already a member? Open your Share Certificate under 'Quick Apply' in Digital Banking!

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Not sure which Embold Share Certificate fits your life best? We can help.

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With 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. Future you will say “Thanks!”


1) APY = Annual Percentage Yield. The 5.39% APY is based on 4.50% dividends plus 0.25% for qualifying Member Perks and an additional 0.50% for new money deposits when you open an 18-month Share Certificate.  The APY is based on dividends compounding daily. New money is defined as deposits, loans, or investments not previously held at Embold. To qualify for the new money rate, at least 51% of the deposit for each Share Certificate has to include new money.

To qualify for Member Perks pricing, member must have a savings account, a checking account, and one additional deposit or loan product including: Share Certificate, IRA, Money Market (Personal or Business), Personal Loan or Line, Credit Card, Auto Loan, Home Equity Line, Mortgage, Business Loan, or Investment Services. Loan discount does not apply to: Personal Lines of Credit (PLOC), Platinum or Rewards Visa, Business Visa, Mortgage, HELOC, RELOC, Commercial Real Estate Loans, Shared Secured Loans, or Seasonal loans.