Rates effective as of December 12, 2018.




Deposits


Share / Savings Rates

Product4 Min to Open/Obtain APY2 KEMBA Advantage APY1 Everyday APY2
Share Savings $5.00
Christmas Club $0.00
High Performance Checking3 $0 – $999.99
$1,000 – $9,999.99
$10,000 – $24,999.99
$25,000 – $49,999.99
$50,000 – $99,999.99
$100,000 – $249,999.99
$250,000 and greater
Money Market $1,000 – $9,999.99
$10,000 – $24,999.99
$25,000 – $49,999.99
$50,000 – $99,999.99
$100,000 – $249,999.99
$250,000 and greater
Health Savings Account3 $0 – $2,499.99
$2,500 – $9,999.99
$10,000 – $24,999.99
$25,000 and greater



Certificates

Product5 Min to Open/Obtain APY2 KEMBA Advantage APY1 Everyday APY2
3 Month Certificate $500
6 Month Certificate $500
12 Month Certificate $500
24 Month Certificate $500
36 Month Certificate $500
48 Month Certificate $500
60 Month Certificate $500
84 Month Certificate $500



Term IRA Accounts

Product5 Min to Open/Obtain APY2 KEMBA Advantage APY1 Everyday APY2
IRA Savings $1
Coverdell (ESA) Savings $1
3 Month Term IRA $250
6 Month Term IRA $250
12 Month Term IRA $250
24 Month Term IRA $250
36 Month Term IRA $250
48 Month Term IRA $250
60 Month Term IRA $250
84 Month Term IRA $250


Rates subject to change without notice. Fees may reduce earnings.

  

1KEMBA Advantage member special rate bonus. Click here for more details.
2Annual Percentage Yield
3Tiered rates only apply when you maintain an average daily balance required for each interest rate.
4These are variable rate accounts. Rates may change after opening.
5Penalties may be charged for early withdrawals.




Business Deposits


Business Share Accounts

Product Min to Open/Obtain APY2 KEMBA Advantage APY1 Everyday APY2
Business Savings3 $5.00
Business Money Market3 $1,000 – $9,999.99
$10,000 – $24,999.99
$25,000 – $49,999.99
$50,000 – $99,999.99
$100,000 – $249,999.99
$250,000 and greater
Business Value Checking $100.00 N/A N/A
Business Smart Checking3 $1,000.00/$5,000 or greater


Rates subject to change without notice. Fees may reduce earnings.

  

1KEMBA Advantage member special rate bonus. Click here for more details.
2Annual Percentage Yield
3These are variable rate accounts. Rates may change after opening.




Loans


Automobiles

Year KEMBA Advantage
Rate as low as1
Everyday Rate as low as
Rate APR2 Rate APR2
2018-2015
2014-2012
2011-2010
2009-Older



Boats/RV

Year Term KEMBA Advantage
Rate as low as1
Everyday Rate
as low as
Rate APR2 Rate APR2
2018-2015 Up to 120 mos.
2014-Older Up to 96 mos.



Undergraduate Student Loans

Maximum Credit Line Everyday APR as Low as
$75,000 Variable
$75,000 Fixed



Student Loan Refinancing

Maximum Loan Amount Available Terms Everyday APR as Low as
$125,000 5-Year Fixed Rate
$125,000 10-Year Fixed Rate
$125,000 10- & 15-Year Variable Rate



Signature Loans

Loan Product Minimum Amount KEMBA Advantage
Rate as low as1
Everyday Rate
as low as
Rate APR2 Rate APR2
Closed End Fixed Rate $500


Rates subject to change without notice.

APR=Annual Percentage Rate

Loan rates include 0.25% rate discount for automatic ACH payment withdrawal.

Actual rates may vary based on one or more of the following: credit rating, age and/or value of collateral (if any), term of loan, and method of payment.

Finance charges are calculated using the daily balance method.

1KEMBA Advantage member special rate bonus. Click here for more details.

2APRs shown are based on a $20,000 loan with a $124 doc prep fee. 2018-2016 loans are amortized over 48 months. 2010-2009 and 2008-Older loans are amortized over 36 months. Signature loans are based on a 60-month term.




Credit Cards


Visa Platinum Rewards Credit Card

Variable Rate Card1 Minimum Limit APR as Low as
Visa Platinum Rewards $500


Rates subject to change without notice.

APR=Annual Percentage Rate

Rates based on the Prime Rate as reported in the Wall Street Journal on the 20th day of the previous month.

To view a copy of KEMBA’s Platinum Rewards Credit Card Agreement, click here.




Home Equity Line-of-Credit


Variable Rate Home Equity Line-of-Credit3

Approved Credit Line KEMBA Advantage APR as low as1 Everyday APR as Low as Monthly Payment2
≥ $35,000 $100
< $34,999 $100


Rates subject to change without notice.

APR=Annual Percentage Rate

Actual rates may vary based on one or more of the following: credit rating, age and/or value of collateral (if any), term of loan, and method of payment.

Finance charges are calculated using the daily balance method.

Home equities and mortgage loans may be subject to additional fees for loans with credit scores less than 675, terms greater than 10 years, LTV’s greater than 80%, and loan amounts greater than $200,000.

1KEMBA Advantage member special rate bonus. Click here for more details.

2Or 1% of unpaid balance, whichever is greater.

3Rates based on the Prime Rate as reported in the Wall Street Journal on the 20th day of the month preceding the date of any annual rate adjustment. Maximum APR is 18 percent.




Mortgage Loans


Mortgage Rates

Rates subject to change without notice.


APR=Annual Percentage Rate


Rates apply to a maximum loan amount of $453,100. Amounts higher than this will be reviewed on a case by case basis.


Property that is listed “For Sale” will generally not be accepted for Mortgage Loans.


Home equities and mortgage loans may be subject to additional fees for loans with credit scores less than 675, terms greater than 10 years, LTV’s greater than 80%, and loan amounts greater than $200,000.


15- and 30-Year Mortgage Assumptions:

APR based on $150,000 loan and 5% down payment with the disclosed rates and terms.


10-Year Mortgage Assumptions:

The 10-Year fixed rate 1st lien program is currently 3.99% for Advantage members and 4.125% for non-advantage members. The rates can vary depending on qualifications. Please consult one of our licensed mortgage professionals for more details.


3/1, 5/1, and 7/1 Assumptions:

APR based on $150,000 loan and 5% down payment with the disclosed rates and terms over 360 months.


Fixed Home Equity Assumptions:

Actual rates may vary based on one or more of the following: credit rating, age and/or value of collateral (if any), term of loan, and method of payment.

Finance charges are calculated using the daily balance method.

KEMBA Advantage member special rate discount. Click here for more details.

APR based on $150,000 loan and 70% or less LTV with the disclosed rates and terms.