Business Details
50+ Years
experience
Your Trusted Partner for Financial Solutions in Oregon City
Embold Credit Union has served communities since 1957, evolving from CLACKCO Federal Credit Union to a modern, member-owned financial cooperative. Our mission centers on empowering members through competitive financial products, community reinvestment, and personalized service. With a volunteer Board of Directors elected from our membership, we prioritize decisions that benefit our community stakeholders. Our expertise spans ITIN lending, financial literacy programs, and innovative digital banking tools, reflecting decades of experience in meeting diverse financial needs.Federally insured by NCUA, we combine institutional reliability with localized service across six Oregon counties, demonstrating authority through 290+ hours of annual financial education and $98k+ raised for local organizations. Trust is built through transparent practices, low fees, and a commitment to 100% employee volunteer participation in community initiatives.
Services
Checking Accounts
Mortgage Loans
Auto Loans
Business Banking
Financial Counseling
Details
- Year established: 1957
Highlights and features
- We offer 100% member-owned cooperative banking with volunteer community leadership
- Our NCUA-insured accounts protect funds up to $250,000
- We provide financial education programs in English and Spanish
- We maintain industry-low overdraft fees and competitive loan rates
- Our digital banking platform offers 24/7 account access and budgeting tools
Associations and certifications
- National Credit Union Administration (NCUA)
What people say
Competitive mortgage rates
Helpful loan officer support
Financial education workshops
Community involvement
Digital banking convenience
Services
Checking Accounts
Our checking accounts provide secure fund access with competitive features. Members benefit from low overdraft fees, mobile check deposit, and free online bill pay. Account holders gain exclusive access to financial counseling services and budgeting tools through our digital platform.
Mortgage Loans
We offer fixed and adjustable-rate mortgage options with personalized guidance. Our local loan officers provide PMI removal assistance and refinancing expertise. Members receive educational resources about home buying and special programs for first-time buyers.
Financial Counseling
Free financial education includes budgeting workshops and credit score guidance. Bilingual (English/Spanish) counselors help members create debt repayment plans. We provide calculators for loan affordability and savings growth projections.
Business Banking
Tailored solutions include business checking, savings, and commercial loans. Our services feature merchant processing, employee benefits programs, and business financial planning. Local decision-making enables faster loan approvals for Oregon businesses.
Digital Banking
24/7 platform access enables account management, fund transfers, and bill payments. Mobile app features include check deposit, spending tracking, and credit score monitoring. Enhanced security protects against fraud through real-time transaction alerts.
Questions
How do I become a member?
Open a $5 savings account if you live, work, or study in our six-county Oregon service area. No membership fees required.
What loan types do you offer?
We provide auto loans, mortgages, personal loans, business loans, and specialized ITIN lending programs for non-traditional borrowers.
How does your community impact work function?
We reinvest profits through financial education (1,646 students taught annually), employee volunteer programs (661+ hours), and local nonprofit partnerships ($98k+ donated).
What digital banking features are available?
Our platform includes mobile check deposit, bill pay, budgeting tools, credit monitoring, and secure messaging with banking specialists.
How do you protect against fraud?
We employ real-time transaction monitoring, multi-factor authentication, and immediate account lock capabilities. Never share account details via unsolicited communications.
Reviews (6)
Magaji Badamasi
Dec 19, 2021
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Are you looking for the right account manager who is trust worthy of handling your trade on BITCOIN, BINARY,FOREX and CRYPTO trade? Search no more and contact MRS ELIZABETH BAYS she can earn $12,000 with $1000 weekly I have worked and experienced it myself. For more details contact her on Email: elizabethbays70@gmail.com whatsApp number: +1(209)896-9431
Esther B. Udeme
Dec 03, 2021
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Good experience results on how i make $7000 every week!!! This has been an incredible experience from day one! This wasn't my first time trading but honestly i didn’t know what to expect when i first joined. After much loss. God walked me through the entire process from start to finish, which was a HUGE plus! They made the entire process so easy… and hassle-free! I’m very impressed! I will definitely be referring her to you all. You can start making money through forex and bitcoin trade. Her name is Mrs GEORGE STEPHANIE FX. You can reach her via Email:Georgestephanie831@gmail
Vicki Hunter
Oct 24, 2021
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My husband and I have been members here for years now. Friendly, personal service at the window, and inside! During this whole pandemic, they've worked hard! When the window lines were long, because we couldn't go inside, once you got to the window, you received the personal care you were used to! They maintained their professionalism and kindness, while many weren't being kind to them, at a very trying time. I always enjoy seeing my "friends" here! Great institution!!
Rohan Singh
Oct 21, 2021
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⭐️⭐️⭐️⭐️⭐️ Few weeks ago i was scrolling through and reading posts in review just like you're doing now, i had no intention of investing a penny in Bitcoin platform. i just enjoyed reading testimonies of different people making thousands of dollars in Bitcoin investment, it all seem like a play, it was just too good to be true..
Then i thought to… myself, what if this is it? what if this is my only way of earning without having to work all day and night-shifts. I took a bold step to invest with MRS ELIZABETH BAYS who i
Then i thought to… myself, what if this is it? what if this is my only way of earning without having to work all day and night-shifts. I took a bold step to invest with MRS ELIZABETH BAYS who i
Mason Selander
Aug 25, 2021
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I called the Oregon City branch for an invalid debit card issue and I was on hold for maybe a minute. Super easy and very straight forward. Great work!
Elizabeth Wilks
Apr 23, 2021
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Clackamas has always been there 100% for myself and my family! When they say they have your back they mean it. Always doing good for our community and their members 100 times over would recommend them every time!!!
