
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.
IRA Certificate²
With as little as $500, you can start earning daily dividends on your retirement funds.
What's your earning power?
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% |
Product |
Min. Daily Balance |
APY2 |
Member Perks APY2,3 |
---|---|---|---|
Rates effective as of May 8, 2023 |
|||
Product 12 Month Certificate |
Min. Daily Balance $500.00 |
APY2 4.60% |
Member Perks APY2,3 4.86% |
Product 24 Month Certificate |
Min. Daily Balance $500.00 |
APY2 3.00% |
Member Perks APY2,3 3.26% |
Product 36 Month Certificate |
Min. Daily Balance $500.00 |
APY2 4.00% |
Member Perks APY2,3 4.26% |
Product 48 Month Certificate |
Min. Daily Balance $500.00 |
APY2 2.00% |
Member Perks APY2,3 2.26% |
Product 60 Month Certificate |
Min. Daily Balance $500.00 |
APY2 2.25% |
Member Perks APY2,3 2.51% |
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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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 .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.
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.