Rates

Checking Accounts
Product	Maximum Daily Balance	Minimum Daily Balance	APY¹
Rates effective as of May 20, 2025. Apply Today
Product Embold Connect	Maximum Daily Balance N/A	Minimum Daily Balance N/A	APY¹ 0.00%
Product Embold Core	Maximum Daily Balance N/A	Minimum Daily Balance N/A	APY¹ 0.00%
Product Embold Plus	Maximum Daily Balance $15,000.00	Minimum Daily Balance N/A	APY¹ 3.75%
Product Rewards	Maximum Daily Balance N/A	Minimum Daily Balance N/A	APY¹ 0.00%

Regular Savings Accounts
Product	Min. Daily Balance	APY¹
Rates effective as of May 20, 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	New Money APY^1,6	New Money and Member Perks APY^1,3,6
Rates effective as of May 20, 2025. Apply Today
Product 3 Month Certificate	Min. Daily Balance $25.00	APY¹ 0.60%	Member Perks APY^1,3 0.85%	New Money APY^1,6 1.11%	New Money and Member Perks APY^1,3,6 1.36%
Product 6 Month Certificate	Min. Daily Balance $25.00	APY¹ 1.01%	Member Perks APY^1,3 1.26%	New Money APY^1,6 1.51%	New Money and Member Perks APY^1,3,6 1.77%
Product 12 Month (1 Year) Certificate	Min. Daily Balance $25.00	APY¹ 3.15%	Member Perks APY^1,3 3.41%	New Money APY^1,6 3.67%	New Money and Member Perks APY^1,3,6 3.93%
Product 18 Month Certificate	Min. Daily Balance $25.00	APY¹ 3.30%	Member Perks APY^1,3 3.56%	New Money APY^1,6 3.82%	New Money and Member Perks APY^1,3,6 4.08%
Product 24 Month (2 Year) Certificate	Min. Daily Balance $25.00	APY¹ 3.46%	Member Perks APY^1,3 3.72%	New Money APY^1,6 3.98%	New Money and Member Perks APY^1,3,6 4.24%
Product 36 Month (3 Year) Certificate	Min. Daily Balance $25.00	APY¹ 3.67%	Member Perks APY^1,3 3.93%	New Money APY^1,6 4.19%	New Money and Member Perks APY^1,3,6 4.45%
Product 48 Month (4 Year) Certificate	Min. Daily Balance $25.00	APY¹ 3.77%	Member Perks APY^1,3 4.03%	New Money APY^1,6 4.29%	New Money and Member Perks APY^1,3,6 4.55%
Product 60 Month (5 Year) Certificate	Min. Daily Balance $25.00	APY¹ 3.98%	Member Perks APY^1,3 4.24%	New Money APY^1,6 4.50%	New Money and Member Perks APY^1,3,6 4.76%

Traditional IRA & Roth IRA Certificate
Product	Min. Daily Balance	APY¹	Member Perks APY^1,3	New Money APY^1,6	New Money and Member Perks APY^1,3,6
Rates effective as of May 20, 2025. Apply Today
Product 12 Month Certificate	Min. Daily Balance $25.00	APY¹ 3.15%	Member Perks APY^1,3 3.41%	New Money APY^1,6 3.67%	New Money and Member Perks APY^1,3,6 3.93%
Product 24 Month Certificate	Min. Daily Balance $25.00	APY¹ 3.46%	Member Perks APY^1,3 3.72%	New Money APY^1,6 3.98%	New Money and Member Perks APY^1,3,6 4.24%
Product 36 Month Certificate	Min. Daily Balance $25.00	APY¹ 3.67%	Member Perks APY^1,3 3.93%	New Money APY^1,6 4.19%	New Money and Member Perks APY^1,3,6 4.45%
Product 48 Month Certificate	Min. Daily Balance $25.00	APY¹ 3.77%	Member Perks APY^1,3 4.03%	New Money APY^1,6 4.29%	New Money and Member Perks APY^1,3,6 4.55%
Product 60 Month Certificate	Min. Daily Balance $25.00	APY¹ 3.98%	Member Perks APY^1,3 4.24%	New Money APY^1,6 4.50%	New Money and Member Perks APY^1,3,6 4.76%

Education: Coverdell ESA Accounts
Balance	Min. Daily Balance	APY¹
Rates effective as of May 20, 2025. Apply Today
Balance $0.01 - $4,999.99	Min. Daily Balance $0.01	APY¹ 0.20%
Balance $5,000.00 - $24,999.99	Min. Daily Balance $5,000.00	APY¹ 0.40%
Balance $25,000.00 - $49,999.99	Min. Daily Balance $25,000.00	APY¹ 0.50%
Balance $50,000.00	Min. Daily Balance $50,000.00	APY¹ 0.60%

IRA, SEP IRA, and Roth Accounts
Balance	Min. Daily Balance	APY¹
Rates effective as of May 20, 2025. Apply Today
Balance $0.01 - $4,999.99	Min. Daily Balance $0.01	APY¹ 0.20%
Balance $5,000.00 - $24,999.99	Min. Daily Balance $5,000.00	APY¹ 0.40%
Balance $25,000.00 - $49,999.99	Min. Daily Balance $25,000.00	APY¹ 0.50%
Balance $50,000.00	Min. Daily Balance $50,000.00	APY¹ 0.60%

Visa Credit Cards
Product	APR² as low as
Rates effective as of May 20, 2025. Apply today
Product Platinum Visa	APR² as low as 12.50% (fixed)
Product Rewards Visa	APR² as low as 14.74% (variable)

Equity Lines

Product

Variable APR² as low as

Rates effective as of May 20, 2025.

Apply Today

Product

HELOC (home equity line of credit): LTV up to 90%

Variable APR² as low as

7.74%

Product

RELOC (rental equity line of credit): LTV up to 75%

Variable APR² as low as

9.74%

Personal Loans and Lines

Product

APR² as low as

Member Perks APR^2,3

Member Perks pricing is applicable on this loan type, resulting in 0.25% discount on the rates listed above. Click here to learn more and see if you qualify!

Rates effective as of May 20, 2025.

Apply today

Product

Share Secured Loan⁴

APR² as low as

3.05%

Member Perks APR^2,3

N/A

Product

Personal Loan

APR² as low as

13.00%

Member Perks APR^2,3

12.75%

Product

Personal Line of Credit

APR² as low as

9.50%

Member Perks APR^2,3

N/A

Product

Payday Alternative Loan

APR² as low as

15.00%

Member Perks APR^2,3

N/A

Product

Rental Entry Assistance Loan (REAL)

APR² as low as

6.00%

Member Perks APR^2,3

5.75%

Consolidation Loans
Product	APR² as low as	Member Perks APR^2,3
Member Perks pricing is applicable on this loan type, resulting in 0.25% discount on the rates listed above. Click here to learn more and see if you qualify! Rates effective as of May 20, 2025. Apply Today
Product Consolidation Loans	APR² as low as 12.00%	Member Perks APR^2,3 11.75%

Auto Loan Rates - New (2023-2025)
Term	APR²Range
Member Perks pricing is applicable on this loan type, resulting in 0.25% discount on the rates listed above. Click here to learn more and see if you qualify! Rates effective as of May 20, 2025. Apply Today
Term 24 Months	APR²Range 6.00% - 16.32%
Term 36 Months	APR²Range 6.00% - 16.32%
Term 48 Months	APR²Range 6.00% - 16.42%
Term 60 Months	APR²Range 6.45% - 16.47%
Term 72 Months	APR²Range 6.54% - 16.69%
Term 84 Months	APR²Range 6.59% - 16.99%

Auto Loan Rates - Used (2014-2022)
Term	APR²Range
Member Perks pricing is applicable on this loan type, resulting in 0.25% discount on the rates listed above. Click here to learn more and see if you qualify! Rates effective as of May 20, 2025. Apply Today
Term 24 Months	APR²Range 6.77% - 16.49%
Term 36 Months	APR²Range 6.77% - 16.49%
Term 48 Months	APR²Range 6.87% - 16.59%
Term 60 Months	APR²Range 6.92% - 16.74%
Term 72 Months	APR²Range 7.07% - 16.99%
Term 84 Months	APR²Range 7.43% - 17.24%

Auto Loan Rates - Used (2013 and older)
Term	APR²Range
Member Perks pricing is applicable on this loan type, resulting in 0.25% discount on the rates listed above. Click here to learn more and see if you qualify! Rates effective as of May 20, 2025. Apply Today
Term 24 Months	APR²Range 7.77% - 17.49%
Term 36 Months	APR²Range 7.77% - 17.49%
Term 48 Months	APR²Range 7.87% - 17.59%
Term 60 Months	APR²Range 7.92% - 17.74%

Other Vehicle Loan Rates
Product	APR²as low as	Member Perks APR^2,3
Member Perks pricing is applicable on these loan types. Click here to learn more and see if you qualify! Rates effective as of May 20, 2025. Apply Today
Product RVs	APR²as low as 8.49%	Member Perks APR^2,3 8.25%
Product Boats	APR²as low as 8.49%	Member Perks APR^2,3 8.24%
Product Motorcycles	APR²as low as 8.99%	Member Perks APR^2,3 8.74%
Product ATVs and Other Vehicles (including Jet Skis, Snow Mobiles, etc.)	APR²as low as 9.06%	Member Perks APR^2,3 8.81%

Business Product Offerings
Looking for something more specific for your business? At Embold, our team works closely with you to determine the best products to fit your needs. We take the time to get to know our business members and evaluate each business individually. We offer a wide variety of credit products to meet the unique needs of each business. Please give us a call at 503.496.3526 or contact us for additional loan options. Apply Today

Business Loan Rates
Product	APR² as low as	Member Perks APR^2,3
Rates effective as of May 20, 2025. Please give us a call at 503.496.3526 or contact us for additional loan options. Apply Today
Product 5 Year Real Estate - Owner Occupied (variable)	APR² as low as Contact us for current rates	Member Perks APR^2,3 N/A
Product 5 Year Real Estate - Non-Owner Occupied (variable)	APR² as low as Contact us for current rates	Member Perks APR^2,3 N/A
Product Business Line of Credit - Unsecured	APR² as low as 14.00%	Member Perks APR^2,3 N/A
Product Business Line of Credit - All Business Assets	APR² as low as 12.25%	Member Perks APR^2,3 N/A
Product 5 Year Unsecured Term Loans (fixed)	APR² as low as 12.65%	Member Perks APR^2,3 12.40%
Product 5 Year Term Loans - Equipment/Machinery (fixed)	APR² as low as 6.65%	Member Perks APR^2,3 N/A
Product Business Credit Card (variable)	APR² as low as 10.50%	Member Perks APR^2,3 N/A
Product Business Rewards Credit Card (variable)	APR² as low as 18.00%	Member Perks APR^2,3 N/A

Business Checking Accounts
Product	Minimum Daily Balance	Maximum Daily Balance	APY¹	Member Perks APY ^1,3
Rates effective as of May 20, 2025.
Product Embold Business Core	Minimum Daily Balance N/A	Maximum Daily Balance N/A	APY¹ 0.00%	Member Perks APY ^1,3 N/A
Product Embold Business Plus	Minimum Daily Balance N/A	Maximum Daily Balance $15,000	APY¹ 3.75%	Member Perks APY ^1,3 N/A
Product Embold Business Rewards	Minimum Daily Balance N/A	Maximum Daily Balance N/A	APY¹ 0.00%	Member Perks APY ^1,3 N/A

Disclosures

Disclosures
1) APY: Annual Percentage Yield. The percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period.

2) APR: Annual Percentage Rate. Tiered Rates, range of rates that are offered, based upon credit worthiness of the borrowers.

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) Share Secured Loan: A loan secured by specific funds in a savings account. This Annual Percentage Rate (APR) is determined by the current dividend rate being paid on the share accounts offered as security, plus 3.00%.

5) Business Loan Secured by Real-Estate: Maximum maturity = 15 years. Maximum amortization = 25 years. Interest rates are based on a spread over an index with the spread amount based on risk rating. The business loan index for all loans, except long term business loans secured by real estate, is the Wall Street Journal Prime Rate. The index for long term business loans secured by real estate is the Federal Home Loan Bank of Des Moines Prepayable Loan Index.

6) Balance Information. The minimum balance requirements applicable to each account are stated in the Rate Schedule. To open any account you must deposit or already have on deposit at least the par value of one full share in a share account, which is $5.00 currently. For all accounts, dividends are calculated by the Daily Balance method, which applies a periodic rate to the principal in the account each day. Share Certificates and Promotional Share Certificates can take advantage of a 0.50% rate increase for new money. 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.

Embold Credit Union is registered with the National Mortgage Licensing System (NMLS #709344). Visit NMLS Consumer Access to confirm our registration and that of our Mortgage Loan Originators. NMLS Consumer AccessSM, is a free service for consumers to confirm that the financial-services company or professional with whom they wish to conduct business is authorized to conduct business in their state.

Share Account Rates & Disclosure
Business Account Rates & Disclosure
Share Certificate Rates & Disclosure
Platinum Visa Application Disclosure
Rewards Visa Application Disclosure
Loan Rates & Disclosure

New Share Certificate Rates!

Disclosures