Embold rates: up to 3.75% APY
credit union · NCUA CHARTER 11793 · www.emboldcu.org/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Club Account | $0.00 | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA, SEP IRA, and Roth Accounts | $0.01 - $4,999.99 | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA, SEP IRA, and Roth Accounts | $5,000.00 - $24,999.99 | 0.40% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA, SEP IRA, and Roth Accounts | $25,000.00 - $49,999.99 | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA, SEP IRA, and Roth Accounts | $50,000.00 | 0.60% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | $0.00 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Youth Savings (Cub Accounts & Student Savers) | $0.00 | 0.05% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| 3 Month Certificate | $25.00 · 3 months | 0.60% | APY | 2026-11-01 | since 2026-11-01 | |
| 6 Month Certificate | $25.00 · 6 months | 1.75% | APY | 2026-11-01 | since 2026-11-01 | |
| 12 Month Certificate | $25.00 · 1 year | 3.20% | APY | 2026-11-01 | since 2026-11-01 | |
| 18 Month Certificate | $25.00 · 18 months | 2.43% | APY | 2026-11-01 | since 2026-11-01 | |
| 24 Month Certificate | $25.00 · 2 years | 2.53% | APY | 2026-11-01 | since 2026-11-01 | |
| 36 Month Certificate | $25.00 · 3 years | 2.69% | APY | 2026-11-01 | since 2026-11-01 | |
| 48 Month Certificate | $25.00 · 4 years | 2.79% | APY | 2026-11-01 | since 2026-11-01 | |
| 60 Month Certificate | $25.00 · 5 years | 2.89% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Member Perks Money Market | $0.01 | 0.050% | APY | 2026-11-01 | since 2026-11-01 | |
| Member Perks Money Market | $5,000.00 | 0.250% | APY | 2026-11-01 | since 2026-11-01 | |
| Member Perks Money Market | $10,000.00 | 0.250% | APY | 2026-11-01 | since 2026-11-01 | |
| Member Perks Money Market | $25,000.00 | 0.250% | APY | 2026-11-01 | since 2026-11-01 | |
| Member Perks Money Market | $50,000.00 | 0.250% | APY | 2026-11-01 | since 2026-11-01 | |
| Member Perks Money Market | $100,000.00 | 0.250% | APY | 2026-11-01 | since 2026-11-01 | |
| Member Perks Money Market | $250,000.00 | 0.250% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $0.00 | 0.30% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $5,000.00 | 0.40% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $10,000.00 | 0.60% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $25,000.00 | 0.70% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $50,000.00 | 0.80% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $100,000.00 | 1.00% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Checking Account | Embold Connect · N/A | 0.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking Account | Embold Core · N/A | 0.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking Account | Rewards · N/A | 0.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking Account | Embold Plus · $15,000.00 | 3.75% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.emboldcu.org/share-certificates/ | 2026-11-02 02:33 UTC | ok | a2bb83de933d |
| www.emboldcu.org/rates/ | 2026-11-02 02:33 UTC | ok | 39e201e0b24e |