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

Current rates for Embold Federal Credit Union include: 12-Month CD: 3.20%

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Embold Federal Credit Union

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Embold Federal Credit Union Rates & Review April 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: April 18, 2026

Embold Federal Credit Union's 12-Month CD rates are 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 4.28%. Rates were last updated on 04/18/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.28%

Excellent Lower than avg

Embold Federal Credit Union
Admin Branch

15099 SE Mcloughlin Blvd
Milwaukie, OR 97267

https://www.emboldcu.org

Embold Federal Credit Union CD Rates

Product	Rate	APY	Term	View More
12-Month Share Certificate	-	3.20%	12
No additional details. Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.28%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

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 Michael Fraser

CEO Rani Khouri

Full-Time Employees 129

Part-Time Employees 4

Branch Locations 9

ATM Locations 10

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.28%

Return on Assets (ROA)

0.2521%

Return on Equity (ROE)

2.5644%

Non-Performing Loans Ratio (NPL)

0.57%

Total Assets

597,891,792

Total Amount of Shares and Deposits

534,208,777

Total Shares and Deposits < 1 Year

496,084,548

Total Shares and Deposits 1 3 Years

17,929,598

Total Shares and Deposits > 3 Years

20,194,631

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

41,105,136

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

41,105,136

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

493,103,641

Total Interest Expense (Sum of items 6 8)

4,222,356

Share Certificates

2,592

Number of Accounts for Share Drafts

27,055

IRA KEOGH Accounts

1,164

Number of Accounts for Regular Shares

44,288

All other shares

128

Non Member Deposits

Money Market Shares

3,299

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

26,984,065

Total Liabilities

541,687,324

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About Embold Federal Credit Union

Is Embold Federal Credit Union a safe place to deposit money?

Yes, Embold Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 4.283827488392%, 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 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.