Embers Credit Union

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STEP INTO HOMEOWNERSHIP WITH CONFIDENCE

0% Down. 100% Yours.*

Owning a home is closer than you think. Qualified buyers can take the leap with no down payment and 100% financing options. 

CREDIT CARD

2% cash back on gas.

Earn unlimited 2% cash back on gas purchases and 1% on everything else with the Embers credit card. No confusing point system.

MAKE 2025 YOUR FINANCIAL GLOW UP

Turn Resolutions Into Results.

Access our tools to help take your finances to the next level this year.

Spark Your Financial Opportunities

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2.5K+

Trusted Homeowners

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4K+

Autos currently financed

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3K+

Toys currently financed

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450M+

In trusted deposits

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400+

UP businesses financed


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32K+

Embers Members


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130+

Embers Team Members


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70+

Years serving the UP


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Line art of a person within a circleAccounts

Banking for the way you live.


It all starts with understanding what you’re dealing with. Finding out what gets you motivated and crafting solutions personally designed to meet your needs and get to the next level.

View Account Products

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Products that take you further.


Designed specifically to empower you, our suite of loan products aim to provide opportunities that open the doors of homeownership, automobiles, and much more.

View Loan Products

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Partnerships fueled by passion.


Although there are many numbers involved in business, you and your business are not just a number to us. View Embers as a partner that’s willing to invest in your future as you begin to fuel the UP economy.

View Business Products

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Who We Are

There's a reason "Embers" exists in the word "Members."


As members of Embers ourselves, we understand how to craft custom financial solutions that are tailored to a certain individual. As community members of the Upper Peninsula, UP here we know it’s the real deal.

Get to Know Us

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Our Rally Cry

Live it UP.

The Upper Peninsula (UP) isn’t like any other place. The unique way of life it offers should be celebrated. At Embers, we encourage our members to aspire for more, achieve their financial goals, and of course, enjoy the outdoors and activities in the UP - Live it UP.

So, are you ready to become an Embers Member?