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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Embers Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 26, 2026
Embers Credit Union's 12 month CDs rates are at 4.00%, 6 month CDs rates are at 3.90%, 18 month CDs rates are at 3.75%, 24 month CDs rates are at 3.75%, 48 month CDs rates are at 3.75%. Embers Credit Union's savings rates are at 0.10%. MonitorBankRates evaluates the financial stability of Embers Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.53%. Rates were last updated on 03/26/2026. Embers 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 Embers Credit Union? Share your experience about Embers Credit Union by leaving a review below, or read customer reviews before you decide to use Embers Credit Union. 
Embers Credit Union CD Rates
Embers Credit Union Savings Rates
Embers Credit Union Checking Rates
Embers Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Embers 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 Embers 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 Embers Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Embers Credit Union
Website
https://www.embers.org
Address
601 S McClellan Ave,
Marquette, MI 49855
Phone
906-228-7080
Fax
President
Leonard Angeli
CEO
Thomas Blake
Full-Time Employees
109
Part-Time Employees
28
Branch Locations
7
ATM Locations
8
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.53%
Return on Assets (ROA)
0.5914%
Return on Equity (ROE)
4.8252%
Non-Performing Loans Ratio (NPL)
0.30%
Total Assets
575,192,440
Total Amount of Shares and Deposits
504,123,481
Total Shares and Deposits < 1 Year
498,260,434
Total Shares and Deposits 1 3 Years
4,667,574
Total Shares and Deposits > 3 Years
1,195,474
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
22,759,855
Total Uninsured Shares and Deposits > $250K (F+J)
22,759,855
Total Insured Shares and Deposits > $250K (item 17 less item K)
481,363,626
Total Interest Expense (Sum of items 6 8)
5,820,720
Share Certificates
3,312
Number of Accounts for Share Drafts
23,288
IRA KEOGH Accounts
724
Number of Accounts for Regular Shares
39,619
All other shares
232
Money Market Shares
9,390
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
41,514,625
Total Liabilities
511,832,642
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Embers Credit UnionIs Embers Credit Union a safe place to deposit money?Yes, Embers Credit Union is considered a safe financial institution. With a Texas Ratio of 1.5268970843086%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Embers Credit Union operate?Embers 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 Embers Credit Union?Yes, to access services at Embers 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, Embers 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, Embers Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Embers Credit Union offer online and mobile banking?Most modern institutions like Embers 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.embers.org. Current Embers Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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