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Embers CU Savings
Home > Personal Services > Embers CU's Savings Accounts

Regular Share Accounts

Share accounts are the backbone of the savings program. You may make deposits of any amount at any time through payroll deduction, in person or through the mail. Dividends compound monthly.

Money Maker Accounts

Money Maker accounts are high interest tiered rate savings accounts. Dividends compound monthly. Minimum balance requirement to earn dividends is $100.00.

Earnie the Early Bird Youth Savings Account

Earnie accounts are a great way for children 1 day to 12 years of age to save. A $5.00 minimum balance is all this account needs to compound dividends monthly on any balance. Child must have a social security number.

Christmas Club & Vacation Club Accounts

These accounts make it easy and convenient to build a holiday shopping fund or save for your vacation. You can set up payroll deduction or deposit money as you can. Dividends compound monthly.

Certificate Accounts

Share Certificates are a terrific way to save for a special purpose. We offer a variety of higher - yielding certificates with terms that range up to 60 months with various rates based upon the term and the amount of the certificate. There is a penalty against interest for early withdrawal of any certificate funds.  

Health Savings Accounts

A health savings account is a tax-exempt trust or custodial account you set up with a qualified HSA trustee to pay or reimburse certain medical expenses you incur. You must be an eligible individual to qualify for an HSA.  To learn more about an HSA click here.

 

Saving Rates

Shares & Vacation Club
Effective Date: Friday, September 24th, 2021
TermsAnnual Percentage YieldAnnual Percentage Rate
Minimum balance of $100.00 to earn monthly dividends. If under 18 years of age, no minimum balance required to earn monthly dividends. 0.10% 0.10%

Christmas Club
Effective Date: Friday, September 24th, 2021
TermsAnnual Percentage YieldAnnual Percentage Rate
No minimum balance. Dividends paid monthly. 0.10% 0.10%

Money Maker
Effective Date: Friday, September 24th, 2021
Dividend paid monthly
TermsAnnual Percentage YieldAnnual Percentage Rate
On balances from $100.00 - $2,499.99 0.10% 0.10%
On balances from $2,500.00 - $9,999.99 0.10% 0.10%
On balances from $10,000.00 - $24,999.99 0.10% 0.10%
On balances from $25,000.00 - $49,999.99 0.15% 0.15%
On balances from $50,000.00 and over 0.20% 0.20%

Regular Checking
NameAnnual Percentage YieldMinimumMinimum
Regular 0.00% $0 none

Fire Checking
Effective Date: Friday, September 24th, 2021
NameAnnual Percentage YieldAnnual Percentage RateMinimum
Fire 2.02% 2.00% $0.00
*Fire Checking. Paid on balances up to $10,000.00 if monthly qualifications are met.

IRA Accounts
Effective Date: Friday, September 24th, 2021
TermsAnnual Percentage YieldAnnual Percentage Rate
On balances from $0.01 and up.
Dividends paid monthly.
0.50% 0.50%

Health Savings Accounts
Effective Date: Friday, September 24th, 2021
TermsAnnual Percentage YieldAnnual Percentage Rate
Individual 0.50% 0.50%
Family 0.50% 0.50%

 

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