Savings Account Options

Round up & Save

Save money when you use your Emery debit card.

Learn More
IRA Options

Set the course for your future with the right plan.

Learn More
Special Savings

Prepare for the unexpected with Prime 50 Accounts.

Learn More
Health Savings Account

Pay for health expenses with pre-tax dollars.

Learn More

Round Up and Save

Save money while spending money – what?
Emery members with a checking account can open a Round Up and Save account that helps you grow your savings automatically!

Save money every time you use your Emery Federal Credit Union debit card to make a purchase or pay a bill. With each transaction, Emery rounds up the amount spent to the nearest dollar amount and transfers that amount to your Round Up and Save account at the end of each day.

How Does it Work?

  • Set up your Round Up and Save account today by enrolling online, visiting any of our branches in person, or calling an Emery team member.
  • Use your Emery debit card anytime, anywhere. Emery will automatically round up each purchase and deposit that amount into your Round Up and Save account at the end of each day.
  • The rounded-up amount is available immediately and can be transferred to any Emery account at anytime online or within the Emery mobile app.

IRAs

Traditional IRA

An Individual Retirement Account (IRA) allows you to save money for use in retirement while allowing the savings to grow tax-deferred, even without an employer-sponsored pension plan. Anyone with earned compensation or anyone who files jointly on a tax return with someone who earns compensation is eligible to make contributions.

  • Contributions have tax-deductible benefits*
  • Earnings grow tax-deferred until withdrawn

Roth IRA

A Roth IRA allows you to deposit after-tax dollars today, then accumulate interest and take withdrawals tax-free. Qualifying Roth IRA withdrawals may be deposited into your regular savings, certificate accounts or other deposit accounts.

  • Contributions can be withdrawn tax-free and penalty-free
  • Earnings are tax-free if account is open for 5 tax years and withdrawn for a qualified reason

*Consult your tax advisor

Special Savings

Prime 50 Accounts

Financial needs can change as we mature, so Emery offers an account to fit those changing needs. Prime 50 members must be at least 50 years of age and have $2,000 in a savings account, $2,000 in a certificate of deposit, or an active checking account with direct deposit at the Credit Union.

  • 0.15% added interest on savings certificates (new money or when current certificate is renewed)
  • No service charge for checking with up to 150 free checks per year (standard checks only) – no minimum balance required
  • Free notary service
Holiday Club Accounts

If you find yourself still paying for gifts from years gone by, consider opening a Holiday Club account today. By opening a Holiday Club account and making regular deposits throughout the year, you can develop a significant amount in saving and pay cash next year!

For instance, you could see the following results:

  • $10 weekly: $500
  • $15 weekly: $750
  • $20 weekly: $1,000
  • $50 monthly: $600
  • $75 monthly: $900
Money Market

Earn more while maintaining access to your funds! With an Emery Money Market account, rates are paid on a tiered system; the more money you save, the higher dividend you will earn.

Share Certificate

Emery Credit Union Certificate Accounts are low-risk, high-earning investments featuring competitive rates and a choice of terms. Terms range from 6 months to 5 years. Certificate accounts can be used as collateral for loans as well.

HSA

Health Savings Account

With an Emery Health Savings Account (HSA), you can save and pay for medical and health expenses with pre-tax dollars.

Our Health Savings Account (HSA) was created in response to the growing needs of our Members with High Deductible Health Plans (HDHP). If you have a HDHP, sign up for an Emery HSA Account and let us help you navigate the continual changes in the health care industry.

Emery HSA Account Details:

  • No annual or monthly fees
  • Statements received via e-Statement
  • Checks available upon request
  • Tiered interest rate structure
  • Online account access

Government regulated HSA account details may change on an annual basis. Visit the United States Department of the Treasury for details and program guidelines. Your funds are federally insured up to $250,000 by NCUA. Rates subject to change.

X
Financial Education Contact Us Apply for a Loan Find a Location Current Rates Call Us About Us Apply for a Mortgage Loan Apply for a Credit Card Schedule an Appointment Ask a Question Current Promotions
Financial Education Contact Us Ask a Question Apply for a Loan Find a Location Current Rates Call Us About Us Apply for a Mortgage Loan Apply for a Credit Card Schedule an Appointment Current Promotions
Information

For You

Show Me More

You are now leaving Emery Federal Credit Union

You are leaving Emery Federal Credit Union’s website to visit one of our partner’s websites. By clicking OK, a new window will open in your browser.

You will be redirected to

Click the link above to continue or CANCEL