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 Embold Federal 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: April 4, 2026
Embold Federal Credit Union's 12 Month (1 Year) CD rates are at 3.46%, 12 Month (1 Year) CD Member Perks rates are at 3.46%, Traditional IRA & Roth IRA 12 Month CD rates are at 3.46%, Traditional IRA & Roth IRA CD 12 Month CD rates are at 3.46%, 12-Month CD rates are at 3.20%. Embold Federal Credit Union's savings rates are at 0.05%. Embold Federal Credit Union's money market rates are at 0.05%. Embold Federal Credit Union's Personal Loan Rates are at 8.75%. 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 04/04/2026. 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. Embold Federal Credit Union
Admin Branch 15099 SE Mcloughlin Blvd
https://www.emboldcu.org Milwaukie, OR 97267 
Embold Federal Credit Union CD Rates
Embold Federal Credit Union Savings Rates
Embold Federal Credit Union Money Market Rates
Embold Federal Credit Union Home Equity & HELOC
Embold Federal Credit Union Credit Card Rates
Embold Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates 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
39
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
Frequently Asked Questions About Embold Federal Credit UnionIs 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. Current Embold Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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