*Based on the national average of 0.78% APY for a 12-month certificate as of 9.22.22 from bankrate.com.
APY = Annual Percentage Yield. Rates are valid as of 10.1.22 and subject to change. Earn 3.25%APY for a 13-month Certificate or 3.50%APY for an 13-month Certificate with KEMBA Advantage Status. $500 minimum deposit required to open and earn stated APY. Certificates must be funded at time of opening. New money required (new money defined as money not on deposit with KEMBA in the past 12 months). Money currently on deposit at KEMBA is not eligible for this offer. 0.25% rate bump available only to KEMBA Advantage members meeting program requirements for the full life of the certificate. If member has multiple accounts, members are only permitted one promotion Certificate in total. Not available with any other special offers or promotions. Early withdrawal penalties apply. Withdrawal and fees may reduce earnings. KEMBA reserves the right to change or cancel offer at any time. 13-month Certificate will automatically renew to a 12-month term at maturity, and earn stated APY at that time. Visit kemba.org for Advantage program details. KEMBA reserves the right to change or cancel the Advantage program at any time. KEMBA funds federally insured by NCUA. KEMBA membership required. Rates available through 10.31.22.