Savings Accounts

Take your financial future to new heights. 

Purple gradient header

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. 
Blurred background of orange, purple, and teal

Money Maker

  • Up to 1.25% APY*

  • No monthly maintenance fee.
  • Minimum opening deposit: $0
  • Balance required to earn interest: $100
Purple gradient header

Health Savings

  • 1.26% APY*
  • Tax-exempt.
  • No monthly maintenance fee.
  • Qualified payee and medical expenses required to open.


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
  • Email
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:

Graphic of a phone and laptop displaying digital banking

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.


Other savings options.

Everyone has different savings goals in mind. We're here to help with whatever those are.


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?

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.
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.

All you need is $5 to open a membership with us. Any additional accounts require $0 to open. 
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.

Line art of a calculator

Emergency Savings

Use now 


50/30/20 Rule

Line art of a debit card

Rewards Checking