Deposit Rates

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The hard work is all you. But we're happy to pitch in.

Discipline. Dedication. Willpower.
It takes all the above to grow your savings these days. At KEMBA Financial Credit Union, your local central Ohio credit union, our goal is to reward your efforts by paying competitively high interest rates on traditional savings, Money Market accounts, Certificate accounts, Health Savings accounts (HSAs), Individual Retirement Accounts (IRAs), and Ohio Homebuyer Plus savings accounts. Plus, you never have to worry about the safety of your money, your funds are federally insured by the NCUA.

Explore our high yield savings account options below and schedule an appointment, call us, or visit your local branch to open an account.



Rates effective as of May 1, 2025 .

Deposits

Savings Accounts Open an account


Product Minimum to Open Min. to Earn APY KEMBA Advantage APY Everyday APY
Primary Savings
 $5.00 $0.01 0.15% 0.05%
Secondary Savings — $0.01 0.15% 0.05%
$500 $0.01 6.25% 6.25%
Christmas Club — $0.01 0.20% 0.10%
 
 

Tiered Share & Savings Open an account


Product Savings Tiers to Earn APY KEMBA Advantage APY Everyday APY
High Performance Checking $0.01 – $999.99 0.15% 0.05%

$1,000 – $9,999.99 0.15% 0.05%

$10,000 – $24,999.99 0.20% 0.05%

$25,000 – $49,999.99 0.20% 0.05%

$50,000 – $99,999.99 0.20% 0.05%

$100,000 – $249,999.99 0.30% 0.15%

$250,000 and greater 0.30% 0.15%
Health Savings Account $0.01 – $2,499.99 0.55% 0.25%

$2,500 – $9,999.99 0.55% 0.25%

$10,000 – $24,999.99 0.85% 0.50%

$25,000 and greater 0.85% 0.50%


Certificates Learn more


Product Minimum to Open KEMBA Advantage APY Everyday APY
3 Month Certificate $500 3.90% 3.40%
6 Month Certificate $500 3.85% 3.35%
12 Month Certificate $500 3.70% 3.20%
24 Month Certificate $500 3.60% 3.10%
24 Month Rate Bump Certificate $500 3.45% 2.95%
36 Month Certificate $500 3.60% 3.10%
48 Month Certificate $500 3.65% 3.15%
60 Month Certificate $500 3.65% 3.15%
84 Month Certificate $500 3.80% 3.30%


Term IRA Accounts Learn more


Product Minimum to Open KEMBA Advantage APY Everyday APY
IRA Savings — 0.25% 0.15%
Coverdell (ESA) Savings — 0.25% 0.15%
3 Month Term IRA $250 3.90 % 3.40 %
6 Month Term IRA $250 3.85 % 3.35 %
12 Month Term IRA $250 3.70 % 3.20 %
24 Month Term IRA $250 3.60 % 3.10 %
24 Month Rate Bump Term IRA $250 3.45% 2.95%
36 Month Term IRA $250 3.60 % 3.10 %
48 Month Term IRA $250 3.65 % 3.15 %
60 Month Term IRA $250 3.65 % 3.15 %
84 Month Term IRA $250 3.80 % 3.30 %

APY = Annual Percentage Yield. Share Savings, Christmas Club, High Performance Checking, and Health Savings Accounts are variable rate accounts. Tiered rates only apply when you maintain the average daily balance required for each interest rate. Rates subject to change without notice. Fees may reduce earnings. Advantage status required to earn higher rates. Click here for more on achieving Advantage status. Certificates and Term IRAs may have penalties charged for early withdrawals.

 

Money Market Accounts Learn more


Product Minimum to Open Savings Tiers to Earn APY KEMBA Advantage APY Everyday APY
Money Market $1,000 $1,000 – $9,999.99 2.20% 1.70%


$10,000 – $24,999.99 2.20% 1.70%


$25,000 – $49,999.99 2.35% 1.85 %


$50,000 – $99,999.99 2.35% 1.85%


$100,000 – $249,999.99 2.80% 2.30%


$250,000 and greater 2.80% 2.30%
 
APY = Annual Percentage Yield. Money Market Account is a variable rate account. Rates may change after opening. Tiered Variable Rates only apply when you maintain an average daily balance required for each interest rate. Tier one rates apply to balances less than $1,000. Advantage status required to earn higher rates. Click here for more on achieving Advantage status.




Business Deposits

Business Share Accounts Learn more


Product Minimum to Open Min. to Earn APY KEMBA Advantage APY Everyday APY
Business Plus Savings $5.00 $5.00 0.15% 0.05%
Business Value Checking $100 $100 N/A N/A
Business Smart Checking $1,000 $5,000 0.15% 0.05%

APY = Annual Percentage Yield. Rates subject to change without notice. Business Plus Savings and Business Smart Checking are variable rate accounts and rates may change after opening. Fees may reduce earnings. Advantage status required to earn higher rates. Click here for more on achieving Advantage status.


Business Money Market Accounts Learn more


Product Minimum to Open Savings Tiers to Earn APY KEMBA Advantage APY Everyday APY
Business Money Market $1,000 $1,000 – $9,999.99 2.20% 1.70%


$10,000 – $24,999.99 2.20% 1.70%


$25,000 – $49,999.99 2.35% 1.85%


$50,000 – $99,999.99 2.35% 1.85%


$100,000 – $249,999.99 2.80% 2.30%


$250,000 and greater 2.80% 2.30%

APY = Annual Percentage Yield. Business Money Market is a variable rate account. Rates may change after opening. Tiered Variable Rates only apply when you maintain an average daily balance required for each interest rate. Tier one rates apply to balances less than $1,000. Advantage status required to earn higher rates. Click here for more on achieving Advantage status.
 



















Credit Card and Loan Rates

We also have competitive rates on mortgage loans, credit cards, auto loans, home equity loans, and more.
 











Speak with an expert about your KEMBA account

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Our Team is
Here to Help



At KEMBA Financial Credit Union, we provide trusted personal banking services in Central Ohio, as well as a full suite of personal banking products and services tailored to meet the financial needs of individuals and families. Our offerings include: low-rate credit cards with rewards, competitive-rate mortgages, home equity loans and refinancing options, low-interest auto loans in Central Ohio, personal and student loans, and financial wellness blogs and counseling services.

Discover why more Central Ohioans are searching for "best credit union near me" and choosing KEMBA.

To learn more, call us today at 614.235.2395, option 4, or visit one of our local branches in Pickerington, Gahanna, Bellefontaine, Clintonville, Grove City, Hamilton Quarter, Hilliard, Lewis Center, Powell, Reynoldsburg, Westerville or Whitehall. Our dedicated associates will help you navigate your individual financial situation and help you discover why KEMBA is a better way to bank.

Disclosures


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