Retirement

Retirement Savings

Your retirement goals are within reach.

Apply now

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

Growth Investments class="wrapper">

Traditional and Roth IRAs¹

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

Calendar class="wrapper">

IRA Certificate²

With as little as $500, you can start earning daily dividends on your retirement funds.

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 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%

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.

Explore our Investment Services
Clackamas Investment Services

Let's run the numbers

Ready, set, go

Act now so you can retire with confidence.

Open a Retirement Savings Account

Retirement Savings

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. Get started today using the button below.

Questions?

Our local Member Advocates are here to help.

Call or text us: 503-656-0671


Our call center is ready to help you out during our business hours:
Mon - Fri: 9:00AM-5:30PM
Sat: 9AM-1PM

We're here to help

Call, text or write.
Let's talk
Chat with us online.
Let's chat
Find a branch.
View locations

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.