*When compared to the national average of standard and high-yield Money Market account rates as reported by BankRate on 1/11/26.
¹APY = Annual Percentage Yield. Dividend rates are subject to change after account opening. This Money Market Account promotional rate of 3.75% APY for Advantage members, and 2.75% APY for non-Advantage members, is available to new and current members who open a new KEMBA Consumer Money Market or KEMBA Business Money Marketing Account during the promotional period. Minimum balance to open and earn stated APY is $5,000 and maximum balance for this promotional Money Market rate is $1,000,000. Tiered rates apply to this account and will be determined based on the daily balance maintained. The first tier of $0.01 to $1,000,000 balance will earn a 3.75% APY for Advantage members, and 2.75% APY for non-Advantage members. The APY earned for the second tier, deposits in excess of $1,000,000, will depend on Advantage status and range from 2.05% APY to 2.55% APY. For example, if you deposit $1,000,000.01 in this Money Market Account, you will earn 2.55% APY as an Advantage member, or 2.05% APY as a non-Advantage member on any amount over $1,000,000.
²Promotional offer valid on new money only (new money defined as money not on deposit with KEMBA in the past 12 months and/or has been deposited within the 5 prior business days with the following exceptions: all Certificates (promotional and standard terms) maturing during the special offer window (2.1.26 – 4.30.26) and prior Money Market rate specials that expired on 12.31.2025 or expire 3.31.2026 – said existing money is eligible for this special rate until 12.31.2026. Money currently on deposit at KEMBA is not eligible for this offer for the entire time the promotional rate is in effect, with previously stated exceptions (12.31.2026). Limit one Money Market Account offer per Primary member and Business member. Not available with any other special offers or promotions. Withdrawals and fees may reduce earnings. The special rate is accurate as of 2.1.2026 and will be available through 12.31.2026. For example, a Money Market Account opened 2.15.2026 would earn the special rate through 12.31. 2026. The rate for this promotional Money Market Account will revert to the prevailing Money Market Account rates and tiers on 1.1.2027. On or after that date, you may visit our rates page to find out the APY that will apply to your Money Market Account. KEMBA reserves the right to change or cancel this offer at any time. KEMBA membership required. Federally insured by NCUA. Offer ends 4.30.2026.
† Subject to transaction limits.
Visit kemba.org/advantage for Advantage program details. KEMBA reserves the right to change or cancel the Advantage program at any time.
KEMBA reserves the right to change or cancel this offer at any time. KEMBA membership required.
