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



















2% cash back on gas purchases.













1% cash back on everything else.






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


Person helping another up mountain

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.