What are the current interest rates at Embold Federal Credit Union?

Current rates for Embold Federal Credit Union include: 12-Month CD: 3.20%, 18-Month CD: 2.43%, 24-Month CD: 2.53%, 60-Month CD: 2.89%, Savings: 0.05%, MMA: 3.25%

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Embold Federal Credit Union

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Embold Federal Credit Union Rates & Review October 2026

Q: Is a member application needed to join Embold Federal Credit Union?

Yes, to access services at Embold Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Embold Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

Embold Federal Credit Union's top rates as of October 13, 2026 are 3.46% APY on its 12 Month (1 Year) CD - Member Perks, 0.05% APY on savings, 3.25% APY on money market accounts, personal loans from 9.00% APR, and credit cards from 9.00% APR, according to rates verified by MonitorBankRates. Other Embold Federal Credit Union CD rates include Traditional IRA & Roth IRA CD - 12 Month CD - Member Perks at 3.46%, 12 Month (1 Year) CD at 3.20%, and Traditional IRA & Roth IRA CD - 12 Month CD at 3.20%. MonitorBankRates evaluates the financial stability of Embold Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.30%. Rates last updated and verified on 10/13/2026.

Embold Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Embold Federal Credit Union? Share your experience about Embold Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Embold Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.30%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Embold Federal Credit Union
Admin Branch

15099 SE Mcloughlin Blvd
Milwaukie, OR 97267

https://www.emboldcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Embold Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month (1 Year) Certificate - Member Perks	-	3.46%	12 Month
Min Balance $25 Details Member Perks APY; Share Certificate Accounts; Rates effective as of October 13, 2026 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.46% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Traditional IRA & Roth IRA Certificate - 12 Month Certificate - Member Perks	-	3.46%	12 months
Min Balance $25 Details Member Perks APY Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.46% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
12 Month (1 Year) Certificate	-	3.20%	12 Month
Min Balance $25 Details Share Certificate Accounts; Rates effective as of October 13, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Traditional IRA & Roth IRA Certificate - 12 Month Certificate	-	3.20%	12 months
Min Balance $25 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
60 Month (5 Year) Certificate - Member Perks	-	3.15%	60 Month
Min Balance $25 Details Member Perks APY; Share Certificate Accounts; Rates effective as of October 13, 2026 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Traditional IRA & Roth IRA Certificate - 60 Month Certificate - Member Perks	-	3.15%	60 months
Min Balance $25 Details Member Perks APY Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.15% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
48 Month (4 Year) Certificate - Member Perks	-	3.05%	48 Month
Min Balance $25 Details Member Perks APY; Share Certificate Accounts; Rates effective as of October 13, 2026 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Traditional IRA & Roth IRA Certificate - 48 Month Certificate - Member Perks	-	3.05%	48 months
Min Balance $25 Details Member Perks APY Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.05% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
36 Month (3 Year) Certificate - Member Perks	-	2.94%	36 Month
Min Balance $25 Details Member Perks APY; Share Certificate Accounts; Rates effective as of October 13, 2026 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 2.94% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Traditional IRA & Roth IRA Certificate - 36 Month Certificate - Member Perks	-	2.94%	36 months
Min Balance $25 Details Member Perks APY Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.94% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
60 Month (5 Year) Certificate	-	2.89%	60 Month
Min Balance $25 Details Share Certificate Accounts; Rates effective as of October 13, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.89% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Traditional IRA & Roth IRA Certificate - 60 Month Certificate	-	2.89%	60 months
Min Balance $25 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.89% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
24 Month (2 Year) Certificate - Member Perks	-	2.79%	24 Month
Min Balance $25 Details Member Perks APY; Share Certificate Accounts; Rates effective as of October 13, 2026 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 2.79% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
48 Month (4 Year) Certificate	-	2.79%	48 Month
Min Balance $25 Details Share Certificate Accounts; Rates effective as of October 13, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.79% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Traditional IRA & Roth IRA Certificate - 24 Month Certificate - Member Perks	-	2.79%	24 months
Min Balance $25 Details Member Perks APY Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.79% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Traditional IRA & Roth IRA Certificate - 48 Month Certificate	-	2.79%	48 months
Min Balance $25 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.79% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
18 Month Certificate - Member Perks	-	2.69%	18 Month
Min Balance $25 Details Member Perks APY; Share Certificate Accounts; Rates effective as of October 13, 2026 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 2.69% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
36 Month (3 Year) Certificate	-	2.69%	36 Month
Min Balance $25 Details Share Certificate Accounts; Rates effective as of October 13, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.69% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Traditional IRA & Roth IRA Certificate - 36 Month Certificate	-	2.69%	36 months
Min Balance $25 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.69% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
24 Month (2 Year) Certificate	-	2.53%	24 Month
Min Balance $25 Details Share Certificate Accounts; Rates effective as of October 13, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.53% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Traditional IRA & Roth IRA Certificate - 24 Month Certificate	-	2.53%	24 months
Min Balance $25 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.53% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
18 Month Certificate	-	2.43%	18 Month
Min Balance $25 Details Share Certificate Accounts; Rates effective as of October 13, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.43% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
6 Month Certificate - Member Perks	-	2.00%	6 Month
Min Balance $25 Details Member Perks APY; Share Certificate Accounts; Rates effective as of October 13, 2026 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
6 Month Certificate	-	1.75%	6 Month
Min Balance $25 Details Share Certificate Accounts; Rates effective as of October 13, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
3 Month Certificate - Member Perks	-	0.85%	3 Month
Min Balance $25 Details Member Perks APY; Share Certificate Accounts; Rates effective as of October 13, 2026 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
3 Month Certificate	-	0.60%	3 Month
Min Balance $25 Details Share Certificate Accounts; Rates effective as of October 13, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%

Embold Federal Credit Union Savings Rates

Product	Rate	APY
Club Account	-	0.50%
Min Balance $0 Details Regular Savings Accounts; Member Perks APY: N/A Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Savings	-	0.05%
Min Balance $0 Details Regular Savings Accounts; Member Perks APY: N/A Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Youth Savings (Cub Accounts & Student Savers)	-	0.05%
Min Balance $0 Details Regular Savings Accounts; Member Perks APY: N/A Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%

Embold Federal Credit Union Money Market Rates

Product	Rate	APY
Member Perks Money Market	-	3.25%
Min Balance $250,000 Details Balance: $250,000.00 and over; Member Perks APY (requires Member Perks) Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Member Perks Money Market	-	2.50%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99; Member Perks APY (requires Member Perks) Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Member Perks Money Market	-	1.65%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Member Perks APY (requires Member Perks) Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.65% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Member Perks Money Market	-	1.25%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Member Perks APY (requires Member Perks) Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Money Market	-	1.00%
Min Balance $100,000 Details $100,000.00; Balance: $100,000.00 and over; Regular Savings Accounts; Member Perks APY: N/A Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Member Perks Money Market	-	0.90%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Member Perks APY (requires Member Perks) Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Money Market	-	0.80%
Min Balance $50,000 Details $50,000.00 - $99,999.99; Balance: $50,000.00 - $99,999.99; Regular Savings Accounts; Member Perks APY: N/A Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Money Market	-	0.70%
Min Balance $25,000 Details $25,000.00 - $49,999.99; Balance: $25,000.00 - $49,999.99; Regular Savings Accounts; Member Perks APY: N/A Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Member Perks Money Market	-	0.65%
Min Balance $5,000 Details Balance: $5,000.00 - $9,999.99; Member Perks APY (requires Member Perks) Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Money Market	-	0.60%
Min Balance $10,000 Details $10,000.00 - $24,999.99; Balance: $10,000.00 - $24,999.99; Regular Savings Accounts; Member Perks APY: N/A Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Money Market	-	0.40%
Min Balance $5,000 Details $5,000.00 - $9,999.99; Balance: $5,000.00 - $9,999.99; Regular Savings Accounts; Member Perks APY: N/A Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Money Market	-	0.30%
Min Balance $0 Details $0.01 - $4,999.99; Balance: $0.01 - $4,999.99; Regular Savings Accounts; Member Perks APY: N/A Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Member Perks Money Market	-	0.25%
Min Balance $5,000 Details Balance: $5,000.00 - $9,999.99; Standard APY; Regular Savings Accounts Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 0.65% → 0.25% ▼ 0.40 pts · high 0.65% / low 0.25% Oct 13, 20260.25%▼ from 0.65% Sep 14, 20260.65%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Member Perks Money Market	-	0.25%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Standard APY; Regular Savings Accounts Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 0.90% → 0.25% ▼ 0.65 pts · high 0.90% / low 0.25% Oct 13, 20260.25%▼ from 0.90% Sep 14, 20260.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Member Perks Money Market	-	0.25%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Standard APY; Regular Savings Accounts Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 1.25% → 0.25% ▼ 1.00 pts · high 1.25% / low 0.25% Oct 13, 20260.25%▼ from 1.25% Sep 14, 20261.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Member Perks Money Market	-	0.25%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Standard APY; Regular Savings Accounts Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 1.65% → 0.25% ▼ 1.40 pts · high 1.65% / low 0.25% Oct 13, 20260.25%▼ from 1.65% Sep 14, 20261.65%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Member Perks Money Market	-	0.25%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99; Standard APY; Regular Savings Accounts Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 2.50% → 0.25% ▼ 2.25 pts · high 2.50% / low 0.25% Oct 13, 20260.25%▼ from 2.50% Sep 14, 20262.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Member Perks Money Market	-	0.25%
Min Balance $250,000 Details Balance: $250,000.00 and over; Standard APY; Regular Savings Accounts Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 0.25% ▼ 3.00 pts · high 3.25% / low 0.25% Oct 13, 20260.25%▼ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Member Perks Money Market	-	0.05%
Min Balance $0 Details Balance: $0.01 - $4,999.99; Standard APY; Regular Savings Accounts Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%

Embold Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
ATVs and Other Vehicles (including Jet Skis, Snow Mobiles, etc.) - Member Perks Loan	-	-	8.81%
Details Member Perks pricing; Other Vehicle Loan Rates; Rates effective as of October 13, 2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.81% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
ATVs and Other Vehicles (including Jet Skis, Snow Mobiles, etc.) Loan	-	-	9.06%
Details As Low As; Other Vehicle Loan Rates; Rates effective as of October 13, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.06% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%

Embold Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
Boats - Member Perks Loan	-	8.24%
Details Member Perks pricing; Other Vehicle Loan Rates; Rates effective as of October 13, 2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
RVs - Member Perks Loan	-	8.25%
Details Member Perks pricing; Other Vehicle Loan Rates; Rates effective as of October 13, 2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Boats Loan	-	8.49%
Details As Low As; Other Vehicle Loan Rates; Rates effective as of October 13, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
RVs Loan	-	8.49%
Details As Low As; Other Vehicle Loan Rates; Rates effective as of October 13, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Motorcycles - Member Perks Loan	-	8.74%
Details Member Perks pricing; Other Vehicle Loan Rates; Rates effective as of October 13, 2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Motorcycles Loan	-	8.99%
Details As Low As; Other Vehicle Loan Rates; Rates effective as of October 13, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%

Embold Federal Credit Union Credit Card Rates

Product	Rate	APR
Business Credit Card (variable)	-	9.00%
Details As Low As Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 8.75% → 9.00% ▲ 0.25 pts · high 9.00% / low 8.75% Oct 5, 20269.00%▲ from 8.75% Sep 14, 20268.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Platinum Visa	-	12.50%
Details As Low As; Fixed APR Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 12.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Rewards Visa	-	14.24%
Details As Low As; Variable APR Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 13.99% → 14.24% ▲ 0.25 pts · high 14.24% / low 13.99% Sep 25, 202614.24%▲ from 13.99% Sep 14, 202613.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Business Rewards Credit Card (variable)	-	16.99%
Details As Low As Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 16.74% → 16.99% ▲ 0.25 pts · high 16.99% / low 16.74% Oct 5, 202616.99%▲ from 16.74% Sep 14, 202616.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%

Embold Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Line of Credit	9.00%
Details As Low As; Personal Loans and Lines Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 8.75% → 9.00% ▲ 0.25 pts · high 9.00% / low 8.75% Sep 25, 20269.00%▲ from 8.75% Sep 14, 20268.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Consolidation Loans	11.75%
Details Member Perks pricing: 0.25% discount on the rates listed above; Rates effective as of October 13, 2026 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 12.00% → 11.75% ▼ 0.25 pts · high 12.00% / low 11.75% Oct 13, 202611.75%▼ from 12.00% Sep 14, 202612.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Consolidation Loans	12.00%
Details As Low As; Rates effective as of October 13, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 12.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Business Line of Credit - Unsecured	12.50%
Details As Low As Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 12.25% → 12.50% ▲ 0.25 pts · high 12.50% / low 12.25% Oct 5, 202612.50%▲ from 12.25% Sep 14, 202612.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Personal Loan - Member Perks	12.75%
Details Member Perks pricing: 0.25% discount on the rates listed above Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 12.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Personal Loan	13.00%
Details As Low As; Personal Loans and Lines Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 13.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
5 Year Unsecured Term Loans (fixed)	13.12%	5 Year
Details Member Perks APR Last Updated 10/13/2026 Rate History 4 changes since Sep 14, 2026 · 12.90% → 13.12% ▲ 0.22 pts · high 13.38% / low 12.90% Oct 13, 202613.12%▼ from 13.37% Oct 9, 202613.37%▼ from 13.38% Oct 5, 202613.38%▲ from 13.09% Sep 21, 202613.09%▲ from 12.90% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
5 Year Unsecured Term Loans (fixed)	13.37%	5 Year
Details As Low As Last Updated 10/13/2026 Rate History 3 changes since Sep 14, 2026 · 12.90% → 13.37% ▲ 0.47 pts · high 13.38% / low 12.90% Oct 9, 202613.37%▼ from 13.38% Oct 5, 202613.38%▲ from 13.09% Sep 21, 202613.09%▲ from 12.90% Sep 14, 202612.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%

Embold Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
5 Year Term Loans - Equipment/Machinery (fixed)	-	-	7.37%	5 Year
Details As Low As Last Updated 10/13/2026 Rate History 3 changes since Sep 14, 2026 · 6.90% → 7.37% ▲ 0.47 pts · high 7.38% / low 6.90% Oct 9, 20267.37%▼ from 7.38% Oct 5, 20267.38%▲ from 7.09% Sep 21, 20267.09%▲ from 6.90% Sep 14, 20266.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Business Line of Credit - All Business Assets	-	-	10.75%
Details As Low As Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 10.50% → 10.75% ▲ 0.25 pts · high 10.75% / low 10.50% Oct 5, 202610.75%▲ from 10.50% Sep 14, 202610.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Holiday Loan	-	-	15.00%
Details As Low As; Personal Loans and Lines Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 15.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Payday Alternative Loan	-	-	15.00%
Details As Low As; Personal Loans and Lines Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 15.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Education: Coverdell ESA Accounts	-	-	0.20%
Min Balance $0 Details Balance: $0.01 - $4,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Education: Coverdell ESA Accounts	-	-	0.40%
Min Balance $5,000 Details Balance: $5,000.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Education: Coverdell ESA Accounts	-	-	0.50%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Education: Coverdell ESA Accounts	-	-	0.60%
Min Balance $50,000 Details Balance: $50,000.00 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Embold Business Plus	-	-	3.75%
Details Maximum Daily Balance: $15,000; Minimum Daily Balance to Avoid Fee: $5,000.00; Member Perks APY: N/A; Business Checking Accounts Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 3.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
Embold Plus	-	-	3.75%
Details Checking Accounts; Maximum Daily Balance: $15,000.00; Minimum Daily Balance: N/A Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
IRA, SEP IRA, and Roth Accounts	-	-	0.20%
Min Balance $0 Details Balance: $0.01 - $4,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
IRA, SEP IRA, and Roth Accounts	-	-	0.40%
Min Balance $5,000 Details Balance: $5,000.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
IRA, SEP IRA, and Roth Accounts	-	-	0.50%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%
IRA, SEP IRA, and Roth Accounts	-	-	0.60%
Min Balance $50,000 Details Balance: $50,000.00 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.30%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Embold Federal Credit Union’s Texas Ratio fell from 7.72% in Q3 2023 to 6.30% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$596M	6.30%	5.0	A
March 31, 2026	$596M	7.94%	5.0	A
December 31, 2025	$592M	6.89%	5.0	A
September 30, 2025	$598M	4.02%	5.0	A+
June 30, 2025	$600M	4.59%	5.0	A+
March 31, 2025	$601M	4.58%	5.0	A+
December 31, 2024	$598M	5.46%	5.0	A+
September 30, 2024	$608M	5.58%	5.0	A+
June 30, 2024	$614M	6.42%	5.0	A
March 31, 2024	$613M	6.31%	5.0	A
December 31, 2023	$593M	8.59%	5.0	A
September 30, 2023	$598M	7.72%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Embold Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Embold Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Embold Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Embold Federal Credit Union

Website https://www.emboldcu.org

Address 15099 SE Mcloughlin Blvd, Milwaukie, OR 97267

Phone 503-656-0671

Fax 503-722-2826

President Stacey Hubbard

CEO Rani Khouri

Full-Time Employees 124

Part-Time Employees 4

Branch Locations 8

ATM Locations 9

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.30%

Return on Assets (ROA)

0.1740%

Return on Equity (ROE)

1.7219%

Non-Performing Loans Ratio (NPL)

0.95%

Total Assets

595,668,167

Total Amount of Shares and Deposits

529,449,586

Total Shares and Deposits < 1 Year

496,572,015

Total Shares and Deposits 1 3 Years

18,179,102

Total Shares and Deposits > 3 Years

14,698,469

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

41,531,445

Total Uninsured Shares and Deposits > $250K (F+J)

41,531,445

Total Insured Shares and Deposits > $250K (item 17 less item K)

487,918,141

Total Interest Expense (Sum of items 6 8)

2,810,184

Share Certificates

2,507

Number of Accounts for Share Drafts

26,924

IRA KEOGH Accounts

1,121

Number of Accounts for Regular Shares

43,982

All other shares

124

Non Member Deposits

Money Market Shares

3,530

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

37,954,276

Total Liabilities

537,837,602

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Embold Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Embold Federal Credit Union

How many branches does Embold Federal Credit Union operate?

Embold Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Embold Federal Credit Union?

Yes, to access services at Embold Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Embold Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Embold Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Embold Federal Credit Union offer online and mobile banking?

Most modern institutions like Embold Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.emboldcu.org.

Current Embold Federal Credit Union Rates

12-Month CD3.20%
18-Month CD2.43%
24-Month CD2.53%
60-Month CD2.89%
Savings0.05%
MMA3.25%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Embold Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Embold Federal Credit Union Texas Ratio

Embold Federal Credit Union Health Trend

Embold Federal Credit Union CD Rates

Embold Federal Credit Union Savings Rates

Embold Federal Credit Union Money Market Rates

Embold Federal Credit Union Auto Loan Rates

Embold Federal Credit Union RV, Boat and Powersport Loan Rates

Embold Federal Credit Union Credit Card Rates

Embold Federal Credit Union Personal Loan Rates

Embold Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Embold Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Embold Federal Credit Union

How many branches does Embold Federal Credit Union operate?

Is a member application needed to join Embold Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Embold Federal Credit Union offer online and mobile banking?

Current Embold Federal Credit Union Rates

Compare to Other Credit Unions