Credit union · NCUA insured
Embold Credit Union Savings Rates
Embold Credit Union’s best savings rate is 0.60% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How Embold Credit Union’s savings 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
0.90%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $90
Member Perks Money Market
Top rate
Peak Credit Union
5.00%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $500
2nd-highest rate
WaFd Bank
3.82%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $382
Embold Credit Union savings score
81
Savings score
Higher than 57% of U.S. banks and credit unions
- $1,000 balance$1,0000.30%
- $10,000 balance$10,0000.60%
- $100,000 balance$100,0001.00%
- QualifiedQualified0.90%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Member Perks Money Market
Up to 0.90%APY
Tiered-rate account. Dividend rate and APY for each tier are based on qualification status: Member Perks rates apply if qualifications are met, otherwise Regular rates apply.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Regular rate when Member Perks qualifications are not met. | 0.05% | — | Regular rate when Member Perks qualifications are not met. |
| $5,000 – $10,000Requires Member Perks qualifications: maintain an active primary share account, have a checking account with at least 8 eligible transactions per month, and be enrolled in eStatements or have at least 10 years of membership. | 0.65% | — | Requires Member Perks qualifications: maintain an active primary share account, have a checking account with at least 8 eligible transactions per month, and be enrolled in eStatements or have at least 10 years of membership. |
| $5,000 – $10,000Regular rate when Member Perks qualifications are not met. | 0.25% | — | Regular rate when Member Perks qualifications are not met. |
| $10,000 – $25,000Requires Member Perks qualifications: maintain an active primary share account, have a checking account with at least 8 eligible transactions per month, and be enrolled in eStatements or have at least 10 years of membership. | 0.90% | $90 | Requires Member Perks qualifications: maintain an active primary share account, have a checking account with at least 8 eligible transactions per month, and be enrolled in eStatements or have at least 10 years of membership. |
| $10,000 – $25,000Regular rate when Member Perks qualifications are not met. | 0.25% | $25 | Regular rate when Member Perks qualifications are not met. |
| $25,000 – $50,000Requires Member Perks qualifications: maintain an active primary share account, have a checking account with at least 8 eligible transactions per month, and be enrolled in eStatements or have at least 10 years of membership. | 1.25% | — | Requires Member Perks qualifications: maintain an active primary share account, have a checking account with at least 8 eligible transactions per month, and be enrolled in eStatements or have at least 10 years of membership. |
| $25,000 – $50,000Regular rate when Member Perks qualifications are not met. | 0.25% | — | Regular rate when Member Perks qualifications are not met. |
| $50,000 – $100,000Requires Member Perks qualifications: maintain an active primary share account, have a checking account with at least 8 eligible transactions per month, and be enrolled in eStatements or have at least 10 years of membership. | 1.65% | — | Requires Member Perks qualifications: maintain an active primary share account, have a checking account with at least 8 eligible transactions per month, and be enrolled in eStatements or have at least 10 years of membership. |
| $50,000 – $100,000Regular rate when Member Perks qualifications are not met. | 0.25% | — | Regular rate when Member Perks qualifications are not met. |
| $100,000 – $250,000Requires Member Perks qualifications: maintain an active primary share account, have a checking account with at least 8 eligible transactions per month, and be enrolled in eStatements or have at least 10 years of membership. | 2.50% | — | Requires Member Perks qualifications: maintain an active primary share account, have a checking account with at least 8 eligible transactions per month, and be enrolled in eStatements or have at least 10 years of membership. |
| $100,000 – $250,000Regular rate when Member Perks qualifications are not met. | 0.25% | — | Regular rate when Member Perks qualifications are not met. |
| $250,000 and upRequires Member Perks qualifications: maintain an active primary share account, have a checking account with at least 8 eligible transactions per month, and be enrolled in eStatements or have at least 10 years of membership. | 3.25% | — | Requires Member Perks qualifications: maintain an active primary share account, have a checking account with at least 8 eligible transactions per month, and be enrolled in eStatements or have at least 10 years of membership. |
| $250,000 and upRegular rate when Member Perks qualifications are not met. | 0.25% | — | Regular rate when Member Perks qualifications are not met. |
Sources (1)
- emboldcu.org/money-market-savings · captured Oct 3, 2026
Money Market
0.60%APY
No monthly service fees. Unlimited, anytime access to savings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.30% | — |
| $5,000 – $10,000 | 0.40% | — |
| $10,000 – $25,000 | 0.60% | $60 |
| $25,000 – $50,000 | 0.70% | — |
| $50,000 – $100,000 | 0.80% | — |
| $100,000 and up | 1.00% | — |
Sources (1)
- emboldcu.org/member-savings · captured Oct 3, 2026
Savings
0.05%APY
No monthly service fees. Must deposit or have on deposit at least the par value of one full share ($5.00) to open.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Special-purpose accounts
Education: Coverdell ESA Accounts
0.40%APY
Coverdell Savings Account for qualified elementary through college educational expenses. $2,000 per year contribution limit per child.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.20% | — |
| $5,000 – $25,000 | 0.40% | $40 |
| $25,000 – $50,000 | 0.50% | — |
| $50,000 and up | 0.60% | — |
IRA, SEP IRA, and Roth Accounts
0.40%APY
IRA savings wrapper covering Traditional IRA, SEP IRA, and Roth IRA deposit accounts.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.20% | — |
| $5,000 – $25,000 | 0.40% | $40 |
| $25,000 – $50,000 | 0.50% | — |
| $50,000 and up | 0.60% | — |
Club Account
0.50%APY
Yearly savings account; accounts pay out on October 31st. $5 charge on each early withdrawal prior to October 31st. No monthly service fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFunds disburse on October 31st via check or automatic transfer.Any balance | 0.50% | $50 | Funds disburse on October 31st via check or automatic transfer. |
Sources (1)
- emboldcu.org/member-savings · captured Oct 3, 2026
Youth Savings (Cub Accounts & Student Savers)
0.05%APY
Custodial Accounts (UTMA) are for members 9 and younger; Student Saver accounts are for members ages 10-17. No monthly service fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
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.