Better rates than
a traditional bank.

Rates effective as of August 22, 2017.

 
Deposits  | Business Deposits  | Loans  | Credit Cards |Home Equity Line-of-Credit  | Mortgage Loans  | Compare our rates



 

Deposits


Share / Savings Rates

Product4 Min to Open/Obtain APY2 KEMBA Advantage APY1 Everyday APY2
Share Savings $5.00 0.25% 0.15%
Christmas Club $0.00 0.25% 0.15%
High Performance Checking3 $0 - $999.99 0.20% 0.10%
$1,000 - $9,999.99 0.20% 0.10%
$10,000 - $24,999.99 0.25% 0.15%
$25,000 - $49,999.99 0.50% 0.40%
$50,000 - $99,999.99 0.65% 0.55%
$100,000 - $249,999.99 0.70% 0.60%
$250,000 and greater 0.75% 0.65%
Money Market $1,000 - $9,999.99 0.25% 0.15%
$10,000 - $24,999.99 0.30% 0.20%
$25,000 - $49,999.99 0.60% 0.45%
$50,000 - $99,999.99 0.75% 0.60%
$100,000 - $249,999.99 0.80% 0.65%
$250,000 and greater 0.90% 0.75%
Health Savings Account3 $0 - $2,499.99 1.10% 0.35%
$2,500 - $9,999.99 1.35% 0.50%
$10,000 - $24,999.99 1.60% 0.70%
$25,000 and greater 2.10% 0.85%


Certificates

Product5 Min to Open/Obtain APY2 KEMBA Advantage APY1 Everyday APY2
3 Month Certificate $500 0.65% 0.55%
6 Month Certificate $500 0.75% 0.65%
12 Month Certificate $500 1.00% 0.75%
24 Month Certificate $500 1.25% 1.00%
36 Month Certificate $500 1.50% 1.25%
48 Month Certificate $500 1.85% 1.60%
60 Month Certificate $500 2.10% 1.85%
84 Month Certificate $500 2.25% 2.00%


Term IRA Accounts

Product5 Min to Open/Obtain APY2 KEMBA Advantage APY1 Everyday APY2
IRA Savings $1 0.25% 0.15%
Coverdell (ESA) Savings $1 0.25% 0.15%
3 Month Term IRA $250 0.65% 0.55%
6 Month Term IRA $250 0.75% 0.65%
12 Month Term IRA $250 1.00% 0.75%
24 Month Term IRA $250 1.25% 1.00%
36 Month Term IRA $250 1.50% 1.25%
48 Month Term IRA $250 1.85% 1.60%
60 Month Term IRA $250 2.10% 1.85%
84 Month Term IRA $250 2.25% 2.00%

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

1 KEMBA Advantage Member Special Rate Bonus. Click here for more details.
2 Annual Percentage Yield
3 Tiered rates only apply when you maintain an average daily balance required for each interest rate.
4 These are variable rate accounts. Rates may change after opening.
5 Penalties 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 0.25% 0.15%
Business Money Market3 $1,000 - $9,999.99 0.25% 0.15%
$10,000 - $24,999.99 0.30% 0.20%
$25,000 - $49,999.99 0.60% 0.45%
$50,000 - $99,999.99 0.75% 0.60%
$100,000 - $249,999.99 0.80% 0.65%
$250,000 and greater 0.90% 0.75%
Business Value Checking $100.00 N/A N/A
Business Smart Checking3 $1,000.00/$5,000.00 or greater 0.25% 0.15%

Rates subject to change without notice.
1 KEMBA Advantage Member Special Rate Bonus. Click here for more details.
2 Annual Percentage Yield
3 These are variable rate accounts. Rates may change after opening.


Loans


Automobile

Year KEMBA Advantage
Rate as low as1
Everyday Rate as low as
Rate APR2 Rate APR2
2017-20152.24%2.49%2.74%2.99%
2014-20103.49%3.74%3.99%4.24%
2009-20083.74%3.99%4.24%4.49%
2007-Older3.99%4.32%4.49%4.82%


Boats/RV

Year Term KEMBA Advantage
Rate as low as1
Everyday Rate
as low as
Rate APR Rate APR
2017-2015Up to 120 mos.5.99%6.24%6.49%6.60%
2014-OlderUp to 96 mos.6.99%7.33%7.49%7.63%


Undergraduate Student Loans

Maximum Credit Line Everyday Rate as Low as
$75,0005.75% APR


Student Loan Consolidation

Maximum Loan Amount Available Terms Everyday Rate as Low as
$125,00010- & 15-Year5.75% APR3


Signature Loans

Loan Product Minimum Amount KEMBA Advantage
Rate as low as1
Everyday Rate
as low as
Rate APR Rate APR
Closed End Fixed Rate$5009.74%9.95%10.24%10.46%


Share Secured and Certificate Secured Loans

Term Everyday Rate
Up to 120 mos.Share Dividend + 2.00%
Share Secured Visa10.99%



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.
1 KEMBA Advantage Member Special Rate Discount. Click here for more details.
2 APRs shown are based on a $20,000 loan with a $99 doc prep fee. 2017-2015 loans are amortized over 48 months. 2009-2008 and 2007-Older loans are amortized over 36 months. Signature loans are based on a 60-month term.
3 Includes 0.25% rate discount for automatic ACH payment withdrawal.


Credit Cards


Variable Rate Cards

Variable Rate Cards1 Minimum Limit Rate as low as
Share Secured Visa $500 10.99% APR
Visa Platinum Rewards $500 8.99% APR


Rates subject to change without notice.
APR=Annual Percentage Rate.
1 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
Rate as low as1
Everyday Rate
as low as
Monthly Payment2
≥ $35,000 3.99% 4.49% $100
< $34,999 4.49% 4.99% $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.
1 KEMBA Advantage Member Special Rate Discount. Click here for more details.
2 Or 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.

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, 5% down payment, and $1,950 in closing costs with the disclosed terms, rates.

10-Year Mortgage Assumptions:
Promotional Rate for qualifying members. APR based on $50,000 loan and $426 in closing costs with the disclosed terms and rates for qualifying Advantage members. Qualifying non-Advantage members will receive an APR of 3.275% based on $50,000 loan and $676 in closing costs with the disclosed terms and rates. Non-qualifying Advantage members will receive a rate of 3.490% with an APR of 3.671% based on a $50,000 loan and $426 in closing costs with the disclosed terms and rates. Click here for more details on the KEMBA Advantage. Non-qualifying non-Advantage members will receive a rate of 3.990% with an APR of 4.281% based on a $50,000 loan and $676 in closing costs with the disclosed terms and rates.

3/1, 5/1, and 7/1 ARM Assumptions:
APR based on $150,000 loan, 5% down payment, and $1,950 in closing costs amortized 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. Visit kemba.org for Advantage details and qualifications.
APR based on $150,000 loan, $426 ($676 for Everyday Rate) in closing costs, and 70% or less LTV with the disclosed terms, rates.

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Tiered interest rates No No No
Earn monthly dividends No No No
Free rewards package No No No