Rates

Rates

See our current rates and fees

Checking Accounts

Product

Maximum Daily Balance

Minimum Daily Balance

APY1

Rates effective as of April 15, 2024

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 April 15, 2024

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

0.40%

Product

Money Market $5,000.00 - $9,999.99

Min. Daily Balance

$5,000.00

APY1

0.60%

Product

Money Market $10,000.00 - $24,999.99

Min. Daily Balance

$10,000.00

APY1

0.70%

Product

Money Market $25,000.00 - $49,999.99

Min. Daily Balance

$25,000.00

APY1

0.80%

Product

Money Market $50,000.00 - $99,999.99

Min. Daily Balance

$50,000.00

APY1

0.90%

Product

Money Market $100,000.00

Min. Daily Balance

$100,000.00

APY1

1.05%

Share Certificate Accounts

Product

Min. Daily Balance

APY2

Member Perks APY2,3

New Money APY2,6

New Money and Member Perks APY2,3,6

Rates effective as of April 15, 2024.

Product

3 Month Certificate

Min. Daily Balance

$25.00

APY2

0.55%

Member Perks APY2,3

0.80%

New Money APY2,6

1.06%

New Money and Member Perks APY2,3,6

1.31%

Product

6 Month Certificate

Min. Daily Balance

$25.00

APY2

1.26%

Member Perks APY2,3

1.51%

New Money APY2,6

1.77%

New Money and Member Perks APY2,3,6

2.02%

Product

12 Month (1 Year) Certificate

Min. Daily Balance

$25.00

APY2

3.93%

Member Perks APY2,3

4.19%

New Money APY2,6

4.45%

New Money and Member Perks APY2,3,6

4.71%

Product

18 Month Certificate

Min. Daily Balance

$25.00

APY2

2.53%

Member Perks APY2,3

2.79%

New Money APY2,6

3.05%

New Money and Member Perks APY2,3,6

3.30%

Product

24 Month (2 Year) Certificate

Min. Daily Balance

$25.00

APY2

2.02%

Member Perks APY2,3

2.28%

New Money APY2,6

2.53%

New Money and Member Perks APY2,3,6

2.79%

Product

36 Month (3 Year) Certificate

Min. Daily Balance

$25.00

APY2

2.17%

Member Perks APY2,3

2.43%

New Money APY2,6

2.69%

New Money and Member Perks APY2,3,6

2.94%

Product

48 Month (4 Year) Certificate

Min. Daily Balance

$25.00

APY2

2.58%

Member Perks APY2,3

2.84%

New Money APY2,6

3.10%

New Money and Member Perks APY2,3,6

3.36%

Product

60 Month (5 Year) Certificate

Min. Daily Balance

$25.00

APY2

3.17%

Member Perks APY2,3

3.43%

New Money APY2,6

3.69%

New Money and Member Perks APY2,3,6

3.95%

Traditional IRA & Roth IRA Certificate

Product

Min. Daily Balance

APY2

Member Perks APY2,3

New Money APY2,6

New Money and Member Perks APY2,3,6

Rates effective as of April 15, 2024.

Product

12 Month Certificate

Min. Daily Balance

$25.00

APY2

3.93%

Member Perks APY2,3

4.19%

New Money APY2,6

4.45%

New Money and Member Perks APY2,3,6

4.71%

Product

24 Month Certificate

Min. Daily Balance

$25.00

APY2

2.02%

Member Perks APY2,3

2.28%

New Money APY2,6

2.53%

New Money and Member Perks APY2,3,6

2.79%

Product

36 Month Certificate

Min. Daily Balance

$25.00

APY2

2.17%

Member Perks APY2,3

2.43%

New Money APY2,6

2.69%

New Money and Member Perks APY2,3,6

2.94%

Product

48 Month Certificate

Min. Daily Balance

$25.00

APY2

2.58%

Member Perks APY2,3

2.84%

New Money APY2,6

3.10%

New Money and Member Perks APY2,3,6

3.36%

Product

60 Month Certificate

Min. Daily Balance

$25.00

APY2

3.17%

Member Perks APY2,3

3.43%

New Money APY2,6

3.69%

New Money and Member Perks APY2,3,6

3.95%

Education: Coverdell ESA Accounts

Balance

Min. Daily Balance

APY1

Rates effective as of April 15, 2024

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 April 15, 2024

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 APR2,3

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 14, 2024.

Product

Share Secured Loan4

APR2 as low as

3.05%

Member Perks APR2,3

N/A

Product

Personal Loan

APR2 as low as

13.00%

Member Perks APR2,3

12.75%

Product

Personal Line of Credit

APR2 as low as

10.50%

Member Perks APR2,3

N/A

Product

Payday Alternative Loan

APR2 as low as

15.00%

Member Perks APR2,3

N/A

Product

Rental Entry Assistance Loan (REAL)

APR2 as low as

6.00%

Member Perks APR2,3

5.75%

Consolidation Loans

Product

APR2 as low as

Member Perks APR2,3

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 14, 2024.

Product

Consolidation Loans

APR2 as low as

12.00%

Member Perks APR2,3

11.75%

Equity Lines

Product

Variable APR2 as low as

Rates effective as of May 14, 2024.

Product

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

Variable APR2 as low as

8.74%

Product

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

Variable APR2 as low as

10.74%

Auto Loan Rates - New (2022-2024)

Term

APRRange

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 14, 2024.

Term

24 Months

APRRange

6.00% - 16.32%

Term

36 Months

APRRange

6.00% - 16.32%

Term

48 Months

APRRange

6.00% - 16.42%

Term

60 Months

APRRange

6.45% - 16.47%

Term

72 Months

APRRange

6.54% - 16.69%

Term

84 Months

APRRange

6.59% - 16.99%

Auto Loan Rates - Used (2013-2021)

Term

APRRange

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 14, 2024.

Term

24 Months

APRRange

6.77% - 16.49%

Term

36 Months

APRRange

6.77% - 16.49%

Term

48 Months

APRRange

6.87% - 16.59%

Term

60 Months

APRRange

6.92% - 16.74%

Term

72 Months

APRRange

7.07% - 16.99%

Term

84 Months

APRRange

7.43% - 17.24%

Auto Loan Rates - Used (2012 and older)

Term

APR2 Range

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 14, 2024.

Term

24 Months

APR2 Range

7.77% - 17.49%

Term

36 Months

APR2 Range

7.77% - 17.49%

Term

48 Months

APR2 Range

7.87% - 17.59%

Term

60 Months

APR2 Range

7.92% - 17.74%

Other Vehicle Loan Rates

Product

APR2 as low as

Member Perks APR2,3

Member Perks pricing is applicable on these loan types. Click here to learn more and see if you qualify!

Rates effective as of May 14, 2024.

Product

RVs

APR2 as low as

8.49%

Member Perks APR2,3

8.25%

Product

Boats

APR2 as low as

8.49%

Member Perks APR2,3

8.24%

Product

Motorcycles

APR2 as low as

8.99%

Member Perks APR2,3

8.74%

Product

ATVs and Other Vehicles (including Jet Skis, Snow Mobiles, etc.)

APR2 as low as

9.06%

Member Perks APR2,3

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

APR1,2 as low as

Member Perks APR3

Rates effective as of December 4, 2023 — Give us a call for additional loan options

Product

5 Year Real Estate - Owner Occupied (variable)

APR1,2 as low as

Contact us for current rates

Member Perks APR3

N/A

Product

​5 Year Real Estate - Non-Owner Occupied (variable)

APR1,2 as low as

Contact us for current rates

Member Perks APR3

N/A

Product

Business Line of Credit - Unsecured

APR1,2 as low as

14.00%

Member Perks APR3

N/A

Product

Business Line of Credit - All Business Assets

APR1,2 as low as

12.25%

Member Perks APR3

N/A

Product

5 Year ​Unsecured Term Loans (fixed)

APR1,2 as low as

12.65%

Member Perks APR3

12.40%

Product

​5 Year Term Loans - Equipment/Machinery (fixed)

APR1,2 as low as

6.65%

Member Perks APR3

N/A

Product

Business Credit Card (variable)

APR1,2 as low as

10.50%

Member Perks APR3

N/A

Product

Business Rewards Credit Card (variable)

APR1,2 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 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