Rates

See our current rates and fees

Checking Accounts
Product	Maximum Daily Balance	Minimum Daily Balance	APY¹
Rates effective as of May 8th, 2023
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 4.00%
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 8, 2023
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 0.50%
Product Money Market $5,000.00 - $9,999.99	Min. Daily Balance $5,000.00	APY¹ 0.70%
Product Money Market $10,000.00 - $24,999.99	Min. Daily Balance $10,000.00	APY¹ 0.80%
Product Money Market $25,000.00 - $49,999.99	Min. Daily Balance $25,000.00	APY¹ 1.00%
Product Money Market $50,000.00 - $99,999.99	Min. Daily Balance $50,000.00	APY¹ 1.10%
Product Money Market $100,000.00	Min. Daily Balance $100,000.00	APY¹ 1.25%

Share Certificate Accounts
Product	Min. Daily Balance	APY²	Member Perks APY^2,3	New Money APY^2,6	New Money and Member Perks APY^2,3,6
Rates effective as of October 30, 2023
Product 3 Month Certificate	Min. Daily Balance $500.00	APY² 1.00%	Member Perks APY^2,3 1.25%	New Money APY^2,6 1.51%	New Money and Member Perks APY^2,3,6 1.76%
Product 6 Month Certificate	Min. Daily Balance $500.00	APY² 1.80%	Member Perks APY^2,3 2.06%	New Money APY^2,6 2.31%	New Money and Member Perks APY^2,3,6 2.57%
Product 12 Month (1 Year) Certificate	Min. Daily Balance $500.00	APY² 5.00%	Member Perks APY^2,3 5.26%	New Money APY^2,6 5.53%	New Money and Member Perks APY^2,3,6 5.79%
Product 18 Month Certificate	Min. Daily Balance $500.00	APY² 4.60%	Member Perks APY^2,3 4.86%	New Money APY^2,6 5.13%	New Money and Member Perks APY^2,3,6 5.39%
Product 24 Month (2 Year) Certificate	Min. Daily Balance $500.00	APY² 2.28%	Member Perks APY^2,3 2.53%	New Money APY^2,6 2.79%	New Money and Member Perks APY^2,3,6 3.05%
Product 36 Month (3 Year) Certificate	Min. Daily Balance $500.00	APY² 2.53%	Member Perks APY^2,3 2.79%	New Money APY^2,6 3.05%	New Money and Member Perks APY^2,3,6 3.30%
Product 48 Month (4 Year) Certificate	Min. Daily Balance $500.00	APY² 2.69%	Member Perks APY^2,3 2.94%	New Money APY^2,6 3.20%	New Money and Member Perks APY^2,3,6 3.46%
Product 60 Month (5 Year) Certificate	Min. Daily Balance $500.00	APY² 2.79%	Member Perks APY^2,3 3.05%	New Money APY^2,6 3.30%	New Money and Member Perks APY^2,3,6 3.56%

Traditional IRA & Roth IRA Certificate
Product	Min. Daily Balance	APY²	Member Perks APY^2,3	New Money APY^2,6	New Money and Member Perks APY^2,3,6
Rates effective as of October 30, 2023
Product 12 Month Certificate	Min. Daily Balance $500.00	APY² 5.00%	Member Perks APY^2,3 5.26%	New Money APY^2,6 5.53%	New Money and Member Perks APY^2,3,6 5.79%
Product 24 Month Certificate	Min. Daily Balance $500.00	APY² 2.28%	Member Perks APY^2,3 2.53%	New Money APY^2,6 2.79%	New Money and Member Perks APY^2,3,6 3.05%
Product 36 Month Certificate	Min. Daily Balance $500.00	APY² 2.53%	Member Perks APY^2,3 2.79%	New Money APY^2,6 3.05%	New Money and Member Perks APY^2,3,6 3.30%
Product 48 Month Certificate	Min. Daily Balance $500.00	APY² 2.69%	Member Perks APY^2,3 2.94%	New Money APY^2,6 3.20%	New Money and Member Perks APY^2,3,6 3.46%
Product 60 Month Certificate	Min. Daily Balance $500.00	APY² 2.79%	Member Perks APY^2,3 3.05%	New Money APY^2,6 3.30%	New Money and Member Perks APY^2,3,6 3.56%

Education: Coverdell ESA Accounts
Balance	Min. Daily Balance	APY¹
Rates effective as of May 8, 2023
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 8, 2023
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
Platinum Visa rates effective as of April 5, 2021. Rewards Visa rates effective as of July 31, 2023.
Product Platinum Visa	APR² as low as 12.50% (fixed)
Product Rewards Visa	APR² as low as 15.74% (variable)

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 July 31, 2023.
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 10.50%	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 July 31, 2023.
Product Consolidation Loans	APR² as low as 12.00%	Member Perks APR^2,3 11.75%

Auto Loan Rates - New (2022-2024)
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 July 31, 2023.
Term 24 Months	APR²Range 6.52% - 16.32%
Term 36 Months	APR²Range 6.52% - 16.32%
Term 48 Months	APR²Range 6.62% - 16.42%
Term 60 Months	APR²Range 6.67% - 16.47%
Term 72 Months	APR²Range 6.82% - 16.69%
Term 84 Months	APR²Range 7.14% - 16.99%

Auto Loan Rates - Used (2013-2021)
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 July 31, 2023.
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 (2012 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 July 31, 2023.
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 August 31, 2023.
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 reach out to our business services team by calling (503) 496-3580 for more information.

Business Loan Rates
Product	APR^1,2 as low as	Member Perks APR³
Rates effective as of June 1, 2023 — Give us a call for additional loan options
Product 5 Year Real Estate - Owner Occupied (variable)	APR^1,2 as low as 6.12%	Member Perks APR³ N/A
Product 5 Year Real Estate - Non-Owner Occupied (variable)	APR^1,2 as low as 6.37%	Member Perks APR³ N/A
Product Business Line of Credit - Unsecured	APR^1,2 as low as 13.75%	Member Perks APR³ N/A
Product Business Line of Credit - All Business Assets	APR^1,2 as low as 12.00%	Member Perks APR³ N/A
Product 5 Year Unsecured Term Loans (fixed)	APR^1,2 as low as 12.37%	Member Perks APR³ 12.12%
Product 5 Year Term Loans - Equipment/Machinery (fixed)	APR^1,2 as low as 6.37%	Member Perks APR³ N/A
Product Business Credit Card (variable)	APR^1,2 as low as 10.25%	Member Perks APR³ N/A
Product Business Rewards Credit Card (variable)	APR^1,2 as low as 18.00%	Member Perks APR³ N/A

Business Checking Accounts
Product	Minimum Daily Balance	Maximum Daily Balance	APY¹	Member Perks APY ^1,3
Rates effective as of May 8, 2023
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 3.92% - 6.00%	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. 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.

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