Basic Savings
-
0.10% APY*
- No monthly maintenance fee.
- Minimum opening deposit: $5
- Your traditional account equipped for low balances or vacation and Christmas savings.
TIERED SAVINGS
Money Maker
-
Up to 1.25% APY*
- No monthly maintenance fee.
- Minimum opening deposit: $0
- Balance required to earn interest: $100
Health Savings
-
1.26% APY*
- Tax-exempt.
- No monthly maintenance fee.
- Qualified payee and medical expenses required to open.
IRA
- Investment account that belongs to you.
- Can consist of stocks, mutual funds, bonds, and more.
- Traditional & Roth available.
ACCOUNT SUPPORT
Superior member service.
Our UP-based member support team is available to help our Embers Members with all questions pertaining to accounts through:
- Live Chat
- Phone
Monday - Friday: 8:00 am - 5:30 pm
Saturday: 9:00 am - 12:00 pm
24/7 support available after hours.
Your money is in good hands.
Check out our latest awards received:
- BauerFinancial's 5-Star Rating
- UP Business Today's "Top Pick in the 906"
- BankSafe™ Verified Institution
Your accounts on the go
Digital Banking
Send money with Zelle®, Pay bills, contact support, and much more within our digital banking platform.
Watch your savings grow
Savings Calculator
Enter your initial savings amount and adjust the sliders to see how much you could save overtime.
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Other savings options.
Everyone has different savings goals in mind. We're here to help with whatever those are.
Certificates
Take your money to the next level. Secure your nest egg in a certificate of deposit to earn more higher dividends. Stash it away for as little as 6 months to 60 months.
Financial Planning
Create a plan that helps you achieve financial goals and reduce stress. Options include:
- IRAs
- Life Insurance
- Retirement Services
- Mutual Funds
- Stocks + Bonds
- Managed Accounts
How can we help?
FREQUENTLY ASKED QUESTIONS
Who can become an Embers Member?
All those who live, work, worship, attend school, or own real estate in: Alger, Baraga, Chippewa, Delta, Dickinson, Florence, Forest, Gogebic, Houghton, Iron, Keweenaw, Luce, Mackinac, Marinette, Marquette, Menominee, Ontonagon, Schoolcraft, and Vilas counties can become Embers Members.
Are my deposits insured?
The National Credit Union Administration's insurance guarantees that you'll receive the money you're entitled to from your deposit account if the credit union becomes insolvent. It guarantees up to $250,000 per person, per institution, per ownership category. The NCUA is a federal agency created by Congress to regulate credit unions and insure your money.
What is the minimum amount required to open an account?
All you need is $5 to open a membership with us. Any additional accounts require $0 to open.
Where can I deposit/withdraw money?
We have 8 retail locations ready to assist with your banking needs as well as over 100,000 fee-free ATMs. All can be located on our Find Location/ATM page.
Rather open an account in person?
Continue your journey.
*APY = Annual Percentage Yield • Fees or other conditions could reduce the earnings on the account. The dividend rate and annual percentage yield may change at any time as determined by the Credit Union’s Board of Directors.