Credit union · NCUA insured
Embold Credit Union CD Rates
Embold Credit Union’s best CD rate is 3.46% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Embold Credit Union’s CD rates compare
Compared with banks and credit unions near Portland, OR-WA, where Embold Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Embold Credit Union
3.46%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $25
- Earns on $10,000
- $346
Share Certificate
Top rate
Ironworkers USA Credit Union
4.75%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $973
2nd-highest rate
iQ Credit Union
4.50%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $0
- Earns on $10,000
- $260
Embold Credit Union CD score
70
CD score
Higher than 25% of U.S. banks and credit unions
- 3–8 months3–8 mo2.00%
- 9–15 months9–15 mo3.46%
- 16–30 months16–30 mo2.79%
- 31–60 months31–60 mo3.15%
- QualifiedQualified3.46%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Embold Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 3.46%APY · 8 terms
Minimum opening deposit is $25.00. Requires maintaining at least the par value of one full share ($5.00). Additional deposits allowed for terms up to 18 months.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.60% | $15 |
| 3 monthsMember Perks rate: Requires an active primary share account, a checking account with at least 8 eligible transactions per month, and enrollment in eStatements or at least 10 years of membership | 0.85% | $21 |
| 6 months | 1.75% | $87 |
| 6 monthsMember Perks rate: Requires an active primary share account, a checking account with at least 8 eligible transactions per month, and enrollment in eStatements or at least 10 years of membership | 2.00% | $100 |
| 12 months | 3.20% | $320 |
| 12 monthsMember Perks rate: Requires an active primary share account, a checking account with at least 8 eligible transactions per month, and enrollment in eStatements or at least 10 years of membership | 3.46% | $346 |
| 18 months | 2.43% | $367 |
| 18 monthsMember Perks rate: Requires an active primary share account, a checking account with at least 8 eligible transactions per month, and enrollment in eStatements or at least 10 years of membership | 2.69% | $406 |
| 24 months | 2.53% | $512 |
| 24 monthsMember Perks rate: Requires an active primary share account, a checking account with at least 8 eligible transactions per month, and enrollment in eStatements or at least 10 years of membership | 2.79% | $566 |
| 36 months | 2.69% | $829 |
| 36 monthsMember Perks rate: Requires an active primary share account, a checking account with at least 8 eligible transactions per month, and enrollment in eStatements or at least 10 years of membership | 2.94% | $908 |
| 48 months | 2.79% | $1,164 |
| 48 monthsMember Perks rate: Requires an active primary share account, a checking account with at least 8 eligible transactions per month, and enrollment in eStatements or at least 10 years of membership | 3.05% | $1,277 |
| 60 months | 2.89% | $1,531 |
| 60 monthsMember Perks rate: Requires an active primary share account, a checking account with at least 8 eligible transactions per month, and enrollment in eStatements or at least 10 years of membership | 3.15% | $1,677 |
Sources (3)
- emboldcu.org/member-savings
- emboldcu.org/share-certificates
- emboldcu.org/wp-content/upload…losures-certificates.pdf
All captured Oct 3, 2026
Special-purpose accounts
Traditional IRA & Roth IRA Certificate
Up to 3.46%APY · 5 terms
Minimum opening deposit is $25.00. Requires maintaining at least the par value of one full share ($5.00). Traditional and Roth IRAs are available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.20% | $320 |
| 12 monthsMember Perks rate: Requires an active primary share account, a checking account with at least 8 eligible transactions per month, and enrollment in eStatements or at least 10 years of membership | 3.46% | $346 |
| 24 months | 2.53% | $512 |
| 24 monthsMember Perks rate: Requires an active primary share account, a checking account with at least 8 eligible transactions per month, and enrollment in eStatements or at least 10 years of membership | 2.79% | $566 |
| 36 months | 2.69% | $829 |
| 36 monthsMember Perks rate: Requires an active primary share account, a checking account with at least 8 eligible transactions per month, and enrollment in eStatements or at least 10 years of membership | 2.94% | $908 |
| 48 months | 2.79% | $1,164 |
| 48 monthsMember Perks rate: Requires an active primary share account, a checking account with at least 8 eligible transactions per month, and enrollment in eStatements or at least 10 years of membership | 3.05% | $1,277 |
| 60 months | 2.89% | $1,531 |
| 60 monthsMember Perks rate: Requires an active primary share account, a checking account with at least 8 eligible transactions per month, and enrollment in eStatements or at least 10 years of membership | 3.15% | $1,677 |
Sources (3)
- emboldcu.org/rates
- emboldcu.org/retirement-savings
- emboldcu.org/wp-content/upload…losures-certificates.pdf
All captured Oct 3, 2026
Who can join Embold Credit Union
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.
Membership information collected October 4, 2026.