Last Updated: 04/18/2025
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Highlights
APY (Annual Percentage Yield)
0.50%(Verified 06/21/2024)
Minimum Opening Deposit
$0
Minimum Balance to Earn APY
$0
Embold FCU Club Account Review
Embold FCU Club Account is offered by Embold Federal Credit Union, a credit union founded in 1957 and based in Oak Grove, OR. Embold FCU Club Account are available in 50 states and Washington, DC.
Key Takeaways
- Higher than average APY. Embold FCU Club Account has an annual percentage yield of up to 0.50%, which is higher than the average interest rate for savings accounts.
- No monthly maintenance fees. This account does not charge any monthly account fees.
- No minimum initial deposit. There is no minimum balance required to open an account online.
Embold FCU Club Account Pros & Cons
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Embold FCU Club Account FAQ
Are savings accounts from Embold Federal Credit Union federally insured?
Yes, your savings accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
Does Embold Federal Credit Union offer a signup bonus?
Embold FCU Club Account doesn't offer a signup bonus.
What is the minimum initial deposit for Embold FCU Club Account?
There is no minimum deposit to open a Embold FCU Club Account.| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What APY does Embold FCU Club Account offer?
Embold FCU Club Account offers an APY of 0.50% (APY stands for annual percentage yield, rates may change).
The interest rate on a savings account or checking account can change based, in part, on what the Federal Reserve does. Note that the APY of a savings account is the amount of interest you will earn if you keep your money in the account for a full year expressed as a percentage. The difference between an APY and an interest rate is that the APY takes into account how often your money earns interest (or compounds). The more often your money compounds, the more it will earn. Savings accounts with an interest rate that compounds daily, for example, will earn a higher return (and therefore a higher APY) than savings accounts that compound annually. What fees does Embold FCU Club Account charge?
Embold FCU Club Account does not charge a monthly service fee. See the fee breakdown section below to view all fees.
- Outgoing domestic bank transfers come with a $18.00 fee.
- Incoming domestic bank transfers come with a $8.00 fee.
- Outgoing international bank transfers come with a $55.00 fee. You can save a ton of money in fees if you use use a nonbank money transfer service.
- Incoming international bank transfers come with a $25.00 fee.
- An overdraft on your account will trigger a $12.00 fee per item.
- Embold FCU Club Account charges $3.00 every time you request a paper statement.
Does Embold FCU Club Account charge overdraft fees?
Yes, Embold FCU Club Account charges a $12.00 overdraft fee.What features and perks does Embold FCU Club Account offer?
This savings account includes the following features:
- Mobile Banking Services - Embold FCU Club Account allows you to manage your money online or with a mobile app.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
Can you set up a direct deposit to Embold FCU Club Account?
Yes, you can typically set up a direct deposit to this account. However, it depends on the direct deposit program your employer uses. Most direct deposit programs allow you to send your paycheck to a savings or checking account. In some cases, you can even split your paycheck between the two.
What is the customer support email for Embold FCU Club Account?
The customer support email for Embold FCU Club Account is memberservice@emboldcu.org.
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