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Savings Accounts

Gather around our campfire. There are plenty of savings accounts to go around.

You've Got Options

Become a member today.
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Standard Savings

  • 0.10% APY*
  • $0 monthly maintenance fee.
  • Minimum opening deposit: $5
  • Your traditional account equipped for low balances or vacation and Christmas savings. 
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Money Maker

  • Interest earning up to 1.25% APY*
  • $0 monthly maintenance fee.
  • Minimum opening deposit: $0
  • Balance required to earn interest: $100
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Health Savings Account

  • 1.26% APY*
  • Tax-exempt.
  • $0 monthly maintenance fee.
  • Qualified payee and medical expenses required to open.

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Safe & Secure.

We actively monitor your assets to help protect against unauthorized use and, with the help of the NCUA, are insured up to $250,000.

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take it digital

Your accounts on the go.

Manage your money, pay bills, contact support, and much more within our digital banking platform.

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Send money in the moment.

Pay rent, send a gift, or split the bill by transferring money instantly to anyone with Zelle®.

Learn More

we're transparent

No hidden fees.

Tap the "+" to view fees you may encounter.
Fees You May Encounter
NSF/Overdraft: $25 each
Outgoing Wire Transfer: $20 each
Return Mail/Wrong Address: $5/month
Paper Statement: $3/month
Dormant Account: $5/month
Membership Closure (Within 6 months of opening): $5/time

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We're going to need to see some ID

What you'll need at account opening:

  • Government-Issued Identification
  • Social Security Number
  • Valid Address

Member Support Team

Account Support

Embers is our name, members are our game. 

Our UP-based member support team is available to help our Embers Members with all questions pertaining to accounts through:

  • Live Chat
  • Phone
  • Email
Monday - Friday: 8:00 am - 5:30 pm
Saturday: 9:00 am - 12:00 pm

24/7 support available after hours.

Reach Your Savings Goals

Is not enough savings the "square root" of all your problems? Crunch some numbers on our savings goal calculators. They'll help you spend less or even become a millionaire.


We have answers.
All those who live, work, worship, 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.

All you need is $5 to open a membership with us. 

Ready to open an account?

Get more out of membership.

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