1001 W Baraga Ave
Marquette, MI 49855
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 1.40% →
1-Year CD 0.75% 1.15% →
2-Year CD 0.75% 1.26% →
5-Year CD 1.21% 1.60% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Credit Union Information

Embers is an NCUA insured institution located in Marquette, MI. It was founded in 1953 and has approximately $233.16 millions in assets.

NCUA Insured Yes
Charter Number # # 62038
Date Established 1953
Assets $233.16 million
Loans $137.01 million
Deposits $197.26 million
Capital $32.35 million

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Alger, Chippewa, Baraga, Delta, Dickinson, Houghton, Gogebic, Iron , Luce, Keweenaw, Mackinac, Menominee, Marquette, Ontonagon or Schoolcraft Counties in Michigan.

Deposit Rates - July 5, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.10% $100 - Learn More
Money Market
0.20% $2,500 $9,999 Learn More
Money Market
0.25% $10,000 $24,999 Learn More
Money Market
0.30% $25,000 $49,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.25% $1,000 $89,999 Learn More
6 Mo CD
0.35% $90,000 - Learn More
12 Mo CD
0.40% $1,000 $89,999 Learn More
12 Mo CD
0.75% $90,000 - Learn More
24 Mo CD
0.75% $1,000 - Learn More
36 Mo CD
1.00% $1,000 - Learn More
48 Mo CD
1.11% $1,000 - Learn More
60 Mo CD
1.21% $1,000 - Learn More
Variable IRA Rates APY MIN MAX
0.65% $100 - Learn MoreShow Less

Loan Rates - July 5, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for EMBERS

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.039% 3.000% 0.50 $1,250 $1,055 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info

Note to EMBERS
To upload and update your bank's rates please register. It is free to register and add rates.


Below are Embers branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Embers Locations

Financial Details

Embers Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Embers. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Embers U.S. Average
2.21% 5.92

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of September 30, 2019, Embers had $603,152 in non-current loans and $128,703 in owned assets. To cover these potential losses it had $32,348,415 in net worth and $708,609 in loans loss reserves. That gives it a Texas Ratio of 2.21%.

Net Worth
Embers U.S. Average
13.87% 13.86%

Embers FCU has a net worth of 13.87% versus the BestCashCow average of 13.86. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Embers

Branches and Savings

What is Embers?

A federal credit union, registered with the NCUA under certificate #62038.
Learn more about credit unions here.

Is Embers FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Embers?

Please see Field of Membership information above for information on who is eligible to join.

What are Embers's share account and share certificate rates?

Embers's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Embers?

Embers has total capital of $32.35 million. Full information on Embers's financial position is located above.

Who owns Embers?

Credit Unions are owned by their members.

Where are Embers branches located?

See branch locations nearby.

Are Embers ATMs Open 24/7?

Do Embers ATMs accept cash deposits?

Can Embers customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Embers have a mobile app?

Does Embers have mobile deposit?

Does Embers have quick pay?

How can Embers transfer money to other banks or credit unions?

Does Embers report to credit bureaus?

Does Embers use Chexsystems?

Does Embers use Equifax?

What is Embers's toll free phone number?

What is Embers's ACH Routing Number?

What is Embers's SWIFT code?

Where can I find Embers's wire transfer form?

What is the Embers address for deposits?

What Products Does Embers Offer

Does Embers offer mortgages?

Compare mortgage rates here.

Does Embers offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Embers offer auto and RV loans?

Compare auto loan rates here.

Does Embers offer student loans or personal loans?

Compare personal loan rates here.

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