Credit Card being used in a small business

Credit Cards

Rewards that spark a smile. No confusing point system, just cash back deposited directly into your account, quarterly. 
 




Be rewarded for your purchases.

CASH BACK REWARDS

Consumer Credit

  • 2% cash back on all local purchases. 
  • 1% cash back on everything else.
  • Starting at 8.90% APR1
  • No annual fee.

CASH BACK REWARDS

Business Credit

  • 2% cash back on all local purchases. 
  • 1% cash back on everything else.
  • Starting at 10.99% APR1
  • No annual fee.















Shop Local. Get Rewarded.

Now through December, if you're an Embers Credit Card holder, every time you swipe/insert your credit card within the 268 zip codes in the Upper Peninsula, you'll receive unlimited 2% Cash Back! This includes swipes/inserts at all gas stations, restaurants, grocery stores, and all other spending categories! The rewards don't stop there! Receive unlimited 1% Cash Back on all other purchases made outside of the Upper Peninsula and online.





Receive 2% Cash Back at:

  • Donckers
  • Saykllys
  • Gallery Coffee Co.
  • North Coast Apparel
  • UPutt Family Fun Center
  • Meijer (In-store)
  • ... And all other stores located in the UP!

Receive 1% Cash Back at:

  • Amazon
  • Kwik Trip
  • Fleet Farm
  • Scheels
  • Macy's
  • Olive Garden
  • ... And all other retailers outside the UP and online!

















Card being instantly issued.

prints like paper

Get a card instantly.

When you open your new credit card, we can print it that same day.

Pay on time and there's:

No fees.

There are no annual, over-the-limit, or foreign transaction fees tied to our credit card. You may encounter a $25 late fee if payment is not made on time - that's all.




Credit Card with digital card controls

YOU'RE IN CHARGE

Control your card.

No separate app required. Located right in Embers Digital Banking, you can:

  • Turn your card on/off.
  • Set spending limits.
  • Control merchant use. 
  • Report lost or stolen.
Person holding debit card

Card Benefits

Powered by Mastercard®, the Embers Credit Card is equipped with these perks2:

Credit Card being used for apple pay

Tap to pay

Digital wallet ready.

The Embers Credit Card can be added to mobile payment platforms including Apple Pay, Samsung Pay, and Google Pay. Look for the contactless payment icon below to see where digital payment is available. 



 













Questions?

We have answers.
You can lock your card within digital banking to shield unauthorized purchases, or even after hours, you can call our number, (906) 228-7080, or message us via digital banking and a team member can assist you.


Give us a call at (906) 228-7080 or start a conversation in digital banking, and a Team Member will make your card trip-ready.



Ready to apply for a credit card?





Get more out of membership.


Rewards Checking


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Financial Planning


Family riding in car

Car Loans


1. APR = Annual Percentage Rate

2. Purchase Assurance: You must purchase the new item entirely with your covered card and/or accumulated points from your covered card for yourself or to give as a gift. Cell Phone Protection: You must charge your monthly eligible cellular wireless telephone bill to your covered card. You are eligible for coverage the first day of the calendar month following the payment of your eligible cellular wireless telephone bill to your covered card. If you pay an eligible cellular wireless telephone bill with your covered card and fail to pay a subsequent bill to your covered card in a particular month, your coverage period changes as follows: 1. Your coverage is suspended beginning the first day of the calendar month following the month of nonpayment to your covered card; and 2. Your coverage resumes on the first day of the calendar month following the date of any future payment of your eligible cellular wireless telephone bill with your covered card. Trip Cancelation: You must charge the full amount of a Covered Trip to your Covered Card or in combination with your Covered Card and accumulated points on your Eligible Account or redeemable certificates, vouchers, coupons, or discounts awarded from frequent flyer program or similar program. MasterRental: You must initiate and then pay for the entire rental agreement (tax, gasoline, and airport fees are not considered rental charges) with your covered card and/or the accumulated points from your covered card at the time the vehicle is returned. If a rental company promotion/discount of any kind is initially applied toward payment of the rental vehicle, at least one (1) full day of rental must be billed to your covered card. You must decline the optional collision/damage waiver (or similar coverage) offered by the rental company. You must rent the vehicle in your own name and sign the rental agreement. Your rental agreement must be for a rental period of no more than fifteen (15) consecutive days. Rental periods that exceed or are intended to exceed fifteen (15) consecutive days are not covered.

3. You grant us a security interest in all individual and joint share and/or deposit accounts you have with us now and in the future to secure your credit card account. Shares and deposits in an IRA or any other account that would lose special tax treatment under state or federal law if given as security are not subject to the security interest you have given in your shares and deposits. You may withdraw these other shares unless you are in default. When you are in default, you authorize us to apply the balance in these accounts to any amounts due. For example, if you have an unpaid credit card balance, you agree we may use funds in your account(s) to pay any or all of the unpaid balance.

By agreeing or otherwise authenticating above, you are affirmatively agreeing that you are aware that granting a security interest is a condition for the credit card and you intend to grant a security agreement. 

  • You promise that everything you have stated in this application is correct to the best of your knowledge. If there are any important changes you will notify us in writing immediately. You authorize the Credit Union to obtain credit reports in connection with this application for credit and for any update, increase, renewal, extension, or collection of the credit received and for other accounts, products, or services we may offer you or for which you may qualify. You understand that the Credit Union will rely on the information in this application and your credit report to make its decision. If you request, the Credit Union will tell you the name and address of any credit bureau from which it received a credit report on you. It is a crime to willfully and deliberately provide incomplete or incorrect information in this application.
  • If you are applying for a credit card, you understand that the use of your card will constitute acknowledgment of receipt and agreement to the terms of the Consumer Credit Card Agreement and Disclosure.