Retirement Savings

Your retirement goals are within reach.

Planning for retirement doesn’t have to be complicated. You’re capable of growing into a bold future, built just for you. With an Embold retirement account, you can enjoy the journey along the way and retire with confidence.

Retirement savings options

Traditional and Roth IRAs¹

With a Traditional or Roth IRA, Embold has your future covered, no matter your tax situation.

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IRA Certificate²

With as little as $25, you can start earning daily dividends on your retirement funds.

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What's your earning power?

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%

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 December 11, 2024.
Product 12 Month Certificate	Min. Daily Balance $25.00	APY² 3.15%	Member Perks APY^2,3 3.41%	New Money APY^2,6 3.67%	New Money and Member Perks APY^2,3,6 3.93%
Product 24 Month Certificate	Min. Daily Balance $25.00	APY² 3.46%	Member Perks APY^2,3 3.72%	New Money APY^2,6 3.98%	New Money and Member Perks APY^2,3,6 4.24%
Product 36 Month Certificate	Min. Daily Balance $25.00	APY² 3.67%	Member Perks APY^2,3 3.93%	New Money APY^2,6 4.19%	New Money and Member Perks APY^2,3,6 4.45%
Product 48 Month Certificate	Min. Daily Balance $25.00	APY² 3.77%	Member Perks APY^2,3 4.03%	New Money APY^2,6 4.29%	New Money and Member Perks APY^2,3,6 4.55%
Product 60 Month Certificate	Min. Daily Balance $25.00	APY² 3.98%	Member Perks APY^2,3 4.24%	New Money APY^2,6 4.50%	New Money and Member Perks APY^2,3,6 4.76%

Invest in your future before and after retirement.

Whether you’re looking towards estate planning or simply need to speak with an advisor, we’re here to help you make that transition into the next chapter of your life.

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Let's run the numbers

Ready, set, go

Act now so you can retire with confidence.

Open a retirement savings account

Disclosures

1) APY = Annual Percentage Yield. Dividend rate is earned when minimum transaction requirements are met. For details, see our Truth in Savings disclosures here.

2) APY = Annual Percentage Yield. Dividend rate is earned when minimum transaction requirements are met. For details, read our Truth in Savings Certificate disclosures here.

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.

The amount of your qualified contribution is based upon your adjusted gross income and the IRAs you select. We recommend you consult your tax advisor for specific advice.