Credit union · NCUA insured
Embold Credit Union
A $596.1M credit union headquartered in Milwaukie, OR, with 36,496 members and 9 branches in Oregon. Best rates: CDs 3.46% and savings 0.60% APY.
Embold Credit Union Carrot Score
70
Carrot Score
Higher than 27% of U.S. banks and credit unions
#31 of 56 in Portland, OR-WA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Embold Credit Union
Founded in 1957 in Oregon City, Oregon, Embold Credit Union is a member-owned, not-for-profit financial cooperative.
Originally known as CLACKCO Federal Credit Union, the institution merged with Milwaukie Community Credit Union in 1984 as Clackamas Federal Credit Union before rebranding as Embold Credit Union in 2023.
The credit union serves Oregon with banking and lending services across Clackamas, Multnomah, Washington, Marion, Yamhill, and Polk counties.
- Headquarters
- 15099 SE Mcloughlin Blvd, Milwaukie, OR 97267
- NCUA charter
- 11793
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Clackamas, Marion, Multnomah, Polk, Washington, and Yamhill counties.
Family and household
- Membership is open to immediate family members of eligible individuals and current members.
Cost to join
- Joining requires opening a savings share account with a minimum deposit of $5.00 that must remain in the account throughout membership; there are no membership fees.
Branches
9 branches in Oregon
Loading map…
Oregon
9 branches
- Canby Branch223 NE 2nd Ave, Canby, OR 97013Directions
- Happy Valley Branch12111 SE Sunnyside RD, Happy Valley, OR 97015Directions
- McMinville Branch2668 NE Highway 99W, McMinnville, OR 97128Directions
- Mobile Branch15099 SE Mcloughlin Blvd, Milwaukie, OR 97267Directions
- Molalla Branch1525 W Main St, Molalla, OR 97038Directions
- Newberg Branch901 N Brutscher St, Newberg, OR 97132Directions
- Oak Grove Branch15045 SE Mcloughlin Blvd, Oak Grove, OR 97267Directions
- Oregon City Branch270 Warner Milne RD, Oregon City, OR 97045Directions
- Sandy Branch37077 Highway 26, Sandy, OR 97055Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.10% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.95% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.35% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $80 | $76 | — |
- CapitalNet worth ratio10.10%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.95%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.35%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$80Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Embold Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.