FAQs

As of January 1, 2012, paper savings bonds are no longer sold at financial institutions. This action supports the Treasury’s goal to increase the number of electronic transactions with citizens and businesses. Click here for details about purchasing savings bonds electronically.

We are able to cash savings bonds at any of our six locations.

Yes. We have safety deposit boxes at all three of our locations. Sizes, prices and locations are as follows:

Yes, we have Member Business share accounts, draft accounts, and Member Business Loans.  Contact any one of our Member Service Representatives for more information.

Yes, we offer notary services to our current members at any of our three locations.

The Embers Credit Union does offer wire transfers. The instructions can be found here.

You can stop at any of our three locations to fill out an address change form. You may also send your address change request in writing through the mail or with a message to us from your home banking.

Credit unions are non-profit and exist to help people, not to make a profit. As such, all earnings are returned to their members in the form of high-interest savings and low rate loans.

A volunteer board of directors, elected by the members, governs a credit union. With their vote, each member has a direct impact on the direction of the credit union. Also, "people helping people" is the credit union philosophy.

A credit union's goal is to serve all of their members equally and provide charitable contributions to their community. Credit unions are owned by their members. Each member gets one vote and an equal say in how the credit union is run.

If your employer offers direct deposit, give the payroll department our credit union’s routing number, 291172844, and your account number.  If you want the money deposited into your checking account, please use the 14 digit number that is on the bottom of your checks.  If you have any questions, please contact the credit union.

Stop by any of our branches to fill out a stop payment form. To be effective, your stop-payment order must precisely identify the check number, date and amount of the item, and the payee. There is a $20 fee associated with placing a stop payment on a check. If your checks were lost or stolen please call the credit union immediately at (906)-228-7080.

Your money is insured by the National Credit Union Administration (NCUA), an independent agency of the United States Government. Your savings is federally insured up to $250,000 and backed by the full faith and credit of the United States Government.

To learn more visit:

http://www.ncua.gov/Legal/GuidesEtc/GuidesManuals/NCUAYourInsuredFunds.pdf

Making payments has never been easier! You can now make a payment from your account at another institution to your loan at Embers CU. You will need to know your other financial institution's account/card information for reference. 

*There is a convenience fee of $5 per transaction.

The General Email address for the credit union is embers@embers.org.  There are some individual email addresses listed on our Contact Us page.