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Savings Accounts

Spark More Savings

Big plans, small goals, rainy days, or just-because money - whatever you’re saving for, Embers has account options to help you stash it, grow it, and feel good about what’s next.
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Savings Account Options

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Membership Savings

Start your financial journey with Embers through Membership Savings, earning 0.10% APY* with no monthly fee and unlimited deposits and withdrawals. 
Open a Basic Savings
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Money Maker

Earn up to 1.26% APY* with no monthly maintenance fee, and interest earned on balances of $100 or more.
Open a Money Maker
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IRA

Build long-term savings with an investment account that belongs to you, with options that may include stocks, mutual funds, bonds, and more, through Traditional or Roth accounts. 
Book an IRA Appointment
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Side Savings

Set money aside for holidays, vacations, or other planned expenses with Side Savings, earning 0.10% APY*

Open a Side Savings
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Health Savings

Earn 1.26% APY* with no monthly maintenance fee while setting aside tax-exempt savings for qualified medical expenses.
Book a Health Savings Appointment
How it Works

How to Calculate Interest on Savings

A savings account helps your money grow over time based on your starting balance, monthly contributions, interest rate, and how long you save. This calculator shows that growth using compound interest, which is applied monthly. Enter your starting amount, adjust your monthly savings and interest rate, and choose your timeline to see how your savings can build. 

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 desposit/withdrawal 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. 

What are HSA-qualified expenses?

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Start Saving Today

Open your account online in just a few minutes, or stop by and we’ll walk you through it in person. 
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