Credit union · NCUA insured
Embold Credit Union Carrot Score
A $596.1M credit union headquartered in Milwaukie, OR, with 36,496 members and 9 branches in Oregon.
Embold Credit Union Carrot Score
70
Carrot Score
Higher than 27% of U.S. banks and credit unions
- CDs70
- Savings81
- Auto loans63
- Credit cards70
Each bar is every U.S. bank and credit union, lowest score to highest. Choose a product to see its rates.
Where Embold Credit Union ranks
By Carrot score, in each area where it has branches
Scores run from 60 to 99; 90 and up means rates near the best in the country. Top Carrot marks a score of 87 or more, the top quarter of U.S. banks and credit unions. It’s about rates only, not safety, service or who can join.
By product
How each product scores
How its rates compare with every U.S. bank and credit union. Open a product to see them.
CDs
70beats 25% nationally
| Term | Its rate | Beats | U.S. median | Top 25% atTop 25% | Top 10% at |
|---|---|---|---|---|---|
| 3-8 months | 2.00% | 18% | 3.50% | 3.82% | 4.05% |
| 9-15 months | 3.46% | 36% | 3.70% | 4.00% | 4.25% |
| 16-30 months | 2.79% | 30% | 3.35% | 3.85% | 4.20% |
| 31-60 months | 3.15% | 52% | 3.05% | 3.65% | 4.07% |
| Qualified | 3.46% | 24% | 3.85% | 4.15% | 4.35% |
Best rates 44.2 · all terms 32.3 → 39.4 → 70
Savings
81top 43% nationally
| Balance | Its rate | Beats | U.S. median | Top 25% atTop 25% | Top 10% at |
|---|---|---|---|---|---|
| $1,000 | 0.30% | 64% | 0.20% | 0.50% | 1.51% |
| $10,000 | 0.60% | 56% | 0.50% | 1.15% | 2.20% |
| $100,000 | 1.00% | 50% | 1.00% | 2.01% | 2.93% |
| Qualified | 0.90%counts as 0.75% | 56% | 0.60% | 1.31% | 2.43% |
Best rates 55.9 · all balances 56.3 → 56.0 → 81
Auto loans
63beats 10% nationally
| Vehicle | Its rate | Beats | U.S. median | Top 25% atTop 25% | Top 10% at |
|---|---|---|---|---|---|
| New vehicle | 6.05% | 13% | 5.00% | 4.74% | 4.25% |
| Used vehicle | 6.55% | 11% | 5.39% | 4.99% | 4.49% |
Best rates 12.6 · all vehicles 12.0 → 12.4 → 63
Credit cards
70beats 26% nationally
| Card | Its rate | Beats | U.S. median | Top 25% atTop 25% | Top 10% at |
|---|---|---|---|---|---|
| Purchase APR | 12.50% | 26% | 10.90% | 9.90% | 8.90% |
Best rates 26.0 · all rates 26.0 → 26.0 → 70
Where the score could improve
- CDs, 16-30 months3.85%2.79% today, higher than 30% of U.S. institutions. 3.85% would reach the top quarter; 4.20% the top 10%.
- CDs, 9-15 months4.00%3.46% today, higher than 36% of U.S. institutions. 4.00% would reach the top quarter; 4.25% the top 10%.
- CDs, 3-8 months3.82%2.00% today, higher than 18% of U.S. institutions. 3.82% would reach the top quarter; 4.05% the top 10%.
- To score in the 90s3.83%At least one product needs a rate near the best in the country, like 3.83% or more on a 9-15 month CD (3.46% today), and strong rates on its other terms.
Scores update as rates change. Institutions can correct a rate we show; payment never changes a score.
Method
How the score works
- Each product gets a standingWe compare its CD, savings, auto loan and credit card rates with every bank and credit union in the U.S. and give each product a standing out of 100. Its best rates count the most. For loans and cards, lower rates rank higher.
- Its two best products set the scoreWe average its two strongest products. Each extra product it publishes adds 1.5 points, so sharing more rates can only help.
- Its rank puts it on the 60–99 scaleWe rank that number against every scored bank and credit union in the country to get a score from 60 to 99. The top quarter earn Top Carrot.
How Embold Credit Union got its score
Its products stand at 56.0 for savings, 39.4 for CDs, 26.0 for credit cards and 12.4 for auto loans, out of 100. Its best two, savings and CDs, average 47.7. Publishing four products adds 3.0, for 50.7. That puts it ahead of 27% of U.S. banks and credit unions: a Carrot Score of 70.
The fine print: inside each product, its best rates make up 60% of its standing and all its rates the rest. Its best rates are its two best CD terms, its $10,000 and Qualified savings or money market rates, the better of its new and used auto loan rates, and its credit card purchase rate. The Qualified rate is the best $10,000 rate you can get by opening another account or meeting monthly requirements (or the standard rate, if that’s higher). Rates that need monthly activity get half credit for the extra they pay, and rates that need a combined balance count only from that balance. We subtract monthly fees and count an intro rate at what it earns over a full year. Accounts for kids, students, seniors, businesses, IRAs and health savings aren’t scored.