Advance Child Tax Credit Payments

Emery is posting Advance Child Tax Credit Payments as soon as the funds are received. For more information, visit the IRS website by clicking here.


Savings Accounts

All it takes to open a savings account (also called share account) and begin your membership at Emery is $5.00. Though the money remains yours, this is a “share” in the Credit Union. There are no fees associated with opening your share account.

Regular Savings

  • Competitive dividend rates
  • Online and Mobile Banking
  • Your funds are federally insured up to $250,000 by NCUA

Money Market

Take advantage of higher deposit rates without having to commit for a specific term. Money Market accounts are an additional way that Emery helps you save your money, yet pay you more dividends and continue to give you access to your money. These accounts pay dividends based on the balance that you keep in your account. Rates are paid on a tiered system; so the more money you save; the higher dividend you will earn.

  • Dividends paid monthly
  • Rates adjust monthly
  • Your funds are federal insured up to $250,000 by NCUA


Emery Credit Union Certificate Accounts are low-risk, high-earning investments featuring competitive rates and a choice of terms.

  • Terms of 6 months to 5 years
  • Interest is compounded daily and posts quarterly to your account
  • Competitive interest rates
  • Higher dividends than Regular Savings
  • Dividend may be reinvested or withdrawn
  • Certificate accounts can be used as collateral on a loan
  • Automatically renews

IRA Accounts

Roth Individual Retirement Account

The Roth IRA allows members to deposit after-tax dollars today, accumulate interest tax-free, 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  • Contributions can be withdrawn tax-free and penalty-free
  • Earnings are tax-free if account is open for 5 tax years and withdrawn for a qualified reason
  • Your funds are federally insured up to $250,000 by NCUA

Traditional Individual Retirement Account

An Individual Retirement Account (IRA) allows members, whether covered by an employer-sponsored pension plan or not, to save money for use in retirement while allowing the savings to grow tax-deferred. Eligibility to make contributions is anyone under age 70 1/2 with earned compensation or anyone who files jointly on the tax return with someone who earns compensation.

  • Contributions have tax deductible benefits*
  • Earnings grow tax-deferred until withdrawn
  • Qualifying IRA withdrawals may be deposited into Regular Savings, Certificates or other Emery deposit accounts
  • Your funds are federally insured up to $250,000 by NCUA

*Consult your tax adviser. 


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, ask us how you can open 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: $1000
  • $50 monthly: $600
  • $75 monthly: $900

HSA Accounts

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.

Round Up and Save Account

Round Up and Save IllustrationStarting January 1, 2019, 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 they 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?

  • Setup your Round Up and Save Account today by enrolling online, visiting any of our branches in person or by telephone. 
  • Once your Round Up and Save account is created, use your Emery Debit Card anywhere, anytime you make a purchase or pay a bill. Emery will automatically round up each purchase made 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 your checking or primary savings account at any time.
  • You can review, access and transfer from your new Round Up and Save Account anytime online or within the Emery Mobile App.

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