Why Embold

Why Embold?

Here's what banking boldly is all about.

Join Embold

For over 60 years, we’ve been helping our neighbors achieve their next financial milestones. As a not-for-profit, member-owned institution, we always put your needs first.

A Structure That Centers Members, Not Shareholders

Our Board of Directors are all volunteers, and they are all member-owners &mdash just like you. That means the decisions they make about our services and the future they are helping to shape for Embold impact them just as much as they impact you.

Community Impact

Value That Actually Benefits You

We drive the profits that we make directly back into the products and services we offer you. This means more affordable loan rates and fewer fees &mdash including one of the industry’s lowest overdraft fees on checking accounts. But we don’t stop there. We also reinvest profits into providing a better digital experience and top-notch member service.

Why Embold

Impact You Can Really See

We encourage our staff to use paid volunteer time to get involved with causes that they care about. Our Community Development and Leadership teams work with local organizations to see how we can best partner and support their operations and future goals.

We set lofty goals each year around volunteerism, financial education, and community investment. Every member who joins Embold helps us get a little closer to creating the future our community needs. You can learn more about the work we do throughout our corner of Oregon on our Community Impact page.

Why Embold

We're your financial partner for life

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Resources and Advice

The Embold Blog can help you better understand your finances and build a smarter financial future.

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We offer monthly workshops to help you master budgeting, car buying, home buying, and more.

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Wondering if you can afford that car, or how that home price actually translates to a monthly mortgage payment?

Use our financial calculators

You may be wondering...

Yes. We provide a full-service banking experience, with savings and checking accounts and a complete array of lending products, including first mortgages. We’re federally insured by NCUA, which protects your money up to $250,000. That’s the same amount protected by the FDIC in an account at a bank.

Simply open a savings account (also called a share) with a minimum deposit of $5.00. Visit our Join page to get started.

Membership is open to anyone who lives, works, worships, or attends school in Clackamas, Marion, Multnomah, Polk, Washington, and Yamhill counties, as well as their immediate family members.

No, there are no membership fees. That said, your $5.00 opening deposit (your minimum member share) must remain in your account throughout your membership.

Ready to get started?

Joining is quick and easy. Whether you prefer to join in person or online, we’ve got you covered.

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