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 November 11, 2025. Apply Today
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	APY¹	Member Perks APY^1,3
Rates effective as of November 11, 2025. Apply Today
Product 12 Month Certificate	Min. Daily Balance $25.00	APY¹ 3.10%	Member Perks APY^1,3 3.35%
Product 24 Month Certificate	Min. Daily Balance $25.00	APY¹ 2.43%	Member Perks APY^1,3 2.69%
Product 36 Month Certificate	Min. Daily Balance $25.00	APY¹ 2.48%	Member Perks APY^1,3 2.74%
Product 48 Month Certificate	Min. Daily Balance $25.00	APY¹ 2.53%	Member Perks APY^1,3 2.79%
Product 60 Month Certificate	Min. Daily Balance $25.00	APY¹ 2.63%	Member Perks APY^1,3 2.89%

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: The Member Perks Program is available to both consumer and business accounts and consists of a 0.25% rate increase on Share Certificates or a 0.25% decrease on fixed rate and term loans. To qualify, you must maintain an active primary share account and have a checking account with at least eight eligible transactions each month. Eligible transactions include direct deposits, withdrawals, deposits, ACH transactions, debit card withdrawals, BillPay payments, and checks (drafts). Internal transfers, fees, and dividends are not included. You must also be enrolled in eStatements or have at least 10 years of membership. Ten-year membership eligibility begins the first day of the month following your 10-year anniversary.

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.