Rates
See our current rates and fees
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Product |
Maximum Daily Balance |
Minimum Daily Balance |
APY1 |
|---|---|---|---|
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Rates effective as of December 26th, 2022 |
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Product Embold Connect |
Maximum Daily Balance N/A |
Minimum Daily Balance N/A |
APY1 0.000% |
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Product Embold Core |
Maximum Daily Balance N/A |
Minimum Daily Balance N/A |
APY1 0.000% |
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Product Embold Plus |
Maximum Daily Balance $15,000.00 |
Minimum Daily Balance N/A |
APY1 3.000% |
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Product Rewards |
Maximum Daily Balance N/A |
Minimum Daily Balance N/A |
APY1 0.000% |
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Product |
Min. Daily Balance |
APY1 |
|---|---|---|
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Rates effective as of February 6, 2023 |
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Product Savings |
Min. Daily Balance $0.00 |
APY1 0.050% |
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Product Youth Savings (Cub Accounts & Student Savers) |
Min. Daily Balance $0.00 |
APY1 0.050% |
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Product Club Account |
Min. Daily Balance $0.00 |
APY1 0.250% |
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Product Money Market $0.01 - $4,999.99 |
Min. Daily Balance $0.00 |
APY1 0.200% |
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Product Money Market $5,000.00 - $9,999.99 |
Min. Daily Balance $5,000.00 |
APY1 0.400% |
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Product Money Market $10,000.00 - $24,999.99 |
Min. Daily Balance $10,000.00 |
APY1 0.600% |
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Product Money Market $25,000.00 - $49,999.99 |
Min. Daily Balance $25,000.00 |
APY1 0.800% |
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Product Money Market $50,000.00 + |
Min. Daily Balance $50,000.00 |
APY1 1.000% |
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Product |
Min. Daily Balance |
APY2 |
Member Perks APY2,3 |
|---|---|---|---|
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Rates effective as of February 27, 2023 |
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Product 3 Month Certificate |
Min. Daily Balance $500.00 |
APY2 0.500% |
Member Perks APY2,3 0.750% |
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Product 6 Month Certificate |
Min. Daily Balance $500.00 |
APY2 1.000% |
Member Perks APY2,3 1.250% |
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Product 12 Month (1 Year) Certificate |
Min. Daily Balance $500.00 |
APY2 2.500% |
Member Perks APY2,3 2.750% |
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Product 18 Month Certificate |
Min. Daily Balance $500.00 |
APY2 2.500% |
Member Perks APY2,3 2.750% |
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Product 24 Month (2 Year) Certificate |
Min. Daily Balance $500.00 |
APY2 2.750% |
Member Perks APY2,3 3.000% |
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Product 36 Month (3 Year) Certificate |
Min. Daily Balance $500.00 |
APY2 4.000% |
Member Perks APY2,3 4.250% |
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Product 48 Month (4 Year) Certificate |
Min. Daily Balance $500.00 |
APY2 1.750% |
Member Perks APY2,3 2.000% |
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Product 60 Month (5 Year) Certificate |
Min. Daily Balance $500.00 |
APY2 2.000% |
Member Perks APY2,3 2.250% |
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Product |
Min. Daily Balance |
APY2 |
Member Perks APY2,3 |
|---|---|---|---|
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Rates effective as of February 27, 2023 |
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Product 12 Month Certificate |
Min. Daily Balance $500.00 |
APY2 2.500% |
Member Perks APY2,3 2.750% |
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Product 24 Month Certificate |
Min. Daily Balance $500.00 |
APY2 2.750% |
Member Perks APY2,3 3.000% |
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Product 36 Month Certificate |
Min. Daily Balance $500.00 |
APY2 4.000% |
Member Perks APY2,3 4.250% |
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Product 48 Month Certificate |
Min. Daily Balance $500.00 |
APY2 1.750% |
Member Perks APY2,3 2.000% |
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Product 60 Month Certificate |
Min. Daily Balance $500.00 |
APY2 2.000% |
Member Perks APY2,3 2.250% |
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Balance |
Min. Daily Balance |
APY1 |
|---|---|---|
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Rates effective as of December 26, 2022 |
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Balance $0.01 - $4,999.99 |
Min. Daily Balance $0.01 |
APY1 0.100% |
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Balance $5,000.00 - $24,999.99 |
Min. Daily Balance $5,000.00 |
APY1 0.300% |
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Balance $25,000.00 - $49,999.99 |
Min. Daily Balance $25,000.00 |
APY1 0.400% |
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Balance $50,000.00 + |
Min. Daily Balance $50,000.00 |
APY1 0.500% |
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Balance |
Min. Daily Balance |
APY1 |
|---|---|---|
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Rates effective as of December 26th, 2022 |
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Balance $0.01 - $4,999.99 |
Min. Daily Balance $0.01 |
APY1 0.100% |
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Balance $5,000.00 - $24,999.99 |
Min. Daily Balance $5,000.00 |
APY1 0.300% |
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Balance $25,000.00 - $49,999.99 |
Min. Daily Balance $25,000.00 |
APY1 0.400% |
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Balance $50,000.00 + |
Min. Daily Balance $50,000.00 |
APY1 0.500% |
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Product |
APR2 as low as |
|---|---|
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Platinum Visa rates effective as of April 5, 2021 Rewards Visa rates effective as of February 17, 2023 |
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Product Platinum Visa |
APR2 as low as 12.50% (fixed) |
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Product Rewards Visa |
APR2 as low as 14.99% (variable) |
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Are you thinking about buying your dream home? Or perhaps you are looking to upgrade your existing home to align with your dreams. In either case, Embold is in your corner. We’ll work to understand your needs and guide you through your purchase or refinance. At Embold, you can count on straightforward answers and honest service. |
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Product |
APR2 as low as |
Member Perks APR2,3 |
|---|---|---|
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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 February 17, 2023. |
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Product Share Secured Loan4 |
APR2 as low as 3.05% |
Member Perks APR2,3 N/A |
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Product Personal Loan |
APR2 as low as 13.00% |
Member Perks APR2,3 12.75% |
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Product Personal Line of Credit |
APR2 as low as 9.75% |
Member Perks APR2,3 N/A |
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Product Payday Alternative Loan |
APR2 as low as 15.00% |
Member Perks APR2,3 N/A |
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Product |
APR2 as low as |
Member Perks APR2,3 |
|---|---|---|
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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 December 27, 2022 |
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Product Consolidation Loans |
APR2 as low as 12.00% |
Member Perks APR2,3 11.75% |
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Term |
APR2 Range |
|---|---|
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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 December 27, 2022 |
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Term 24 Months |
APR2 Range 6.52% - 16.32% |
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Term 36 Months |
APR2 Range 6.52% - 16.32% |
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Term 48 Months |
APR2 Range 6.62% - 16.42% |
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Term 60 Months |
APR2 Range 6.67% - 16.47% |
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Term 72 Months |
APR2 Range 6.82% - 16.69% |
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Term 84 Months |
APR2 Range 7.14% - 16.99% |
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Term |
APR2 Range |
|---|---|
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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 December 27, 2022 |
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Term 24 Months |
APR2 Range 6.77% - 16.49% |
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Term 36 Months |
APR2 Range 6.77% - 16.49% |
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Term 48 Months |
APR2 Range 6.87% - 16.59% |
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Term 60 Months |
APR2 Range 6.92% - 16.74% |
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Term 72 Months |
APR2 Range 7.07% - 16.99% |
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Term 84 Months |
APR2 Range 7.43% - 17.24% |
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Term |
APR2 Range |
|---|---|
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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 December 27, 2022 |
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Term 24 Months |
APR2 Range 7.77% - 17.49% |
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Term 36 Months |
APR2 Range 7.77% - 17.49% |
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Term 48 Months |
APR2 Range 7.87% - 17.59% |
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Term 60 Months |
APR2 Range 7.92% - 17.74% |
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Product |
APR2 as low as |
Member Perks APR2,3 |
|---|---|---|
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Member Perks pricing is applicable on these loan types. Click here to learn more and see if you qualify! Rates effective as of December 27, 2022 |
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Product RVs |
APR2 as low as 7.06% |
Member Perks APR2,3 6.81% |
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Product Boats |
APR2 as low as 7.06% |
Member Perks APR2,3 6.81% |
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Product Motorcycles |
APR2 as low as 8.06% |
Member Perks APR2,3 7.81% |
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Product ATVs and Other Vehicles (including Jet Skis, Snow Mobiles, etc.) |
APR2 as low as 9.06% |
Member Perks APR2,3 8.81% |
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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 reach out to our business services team by calling (503) 496-3580 for more information. |
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Product |
APR1,2 as low as |
Member Perks APR3 |
|---|---|---|
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Rates effective as of February 1, 2023 — Give us a call for additional loan options |
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Product 5 Year Real Estate - Owner Occupied (variable) |
APR1,2 as low as 5.98% |
Member Perks APR3 N/A |
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Product 5 Year Real Estate - Non-Owner Occupied (variable) |
APR1,2 as low as 6.23% |
Member Perks APR3 N/A |
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Product Business Line of Credit - Unsecured |
APR1,2 as low as 13.00% |
Member Perks APR3 N/A |
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Product Business Line of Credit - All Business Assets |
APR1,2 as low as 11.25% |
Member Perks APR3 N/A |
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Product 5 Year Unsecured Term Loans (fixed) |
APR1,2 as low as 12.23% |
Member Perks APR3 9.71% |
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Product 5 Year Term Loans - Equipment/Machinery (fixed) |
APR1,2 as low as 6.23% |
Member Perks APR3 N/A |
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Product Business Credit Card (variable) |
APR1,2 as low as 9.75% |
Member Perks APR3 N/A |
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Product Business Rewards Credit Card (variable) |
APR1,2 as low as 17.74% |
Member Perks APR3 N/A |
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Product |
Minimum Daily Balance |
Maximum Daily Balance |
APY1 |
Member Perks APY 1,3 |
|---|---|---|---|---|
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Rates effective as of February 27, 2023 |
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Product Embold Business Core |
Minimum Daily Balance N/A |
Maximum Daily Balance N/A |
APY1 0.000% |
Member Perks APY 1,3 N/A |
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Product Embold Business Plus |
Minimum Daily Balance N/A |
Maximum Daily Balance $15,000 |
APY1 3.00% |
Member Perks APY 1,3 N/A |
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Product Embold Business Rewards |
Minimum Daily Balance N/A |
Maximum Daily Balance N/A |
APY1 0.000% |
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. All Annual Percentage Rates are tiered based upon credit worthiness of the borrowers and other criteria
3) Member Perks: On your fourth product, take advantage of a .25% rate increase on Share Certificates or .25% decrease on fixed rate and term loans. Required products include: a savings account, a checking account, 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.
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