Open a Money Market

Secure high-rate savings during high-cost times!


We’re all thinking about the increasing prices for goods and services, like those grocery store receipts, yikes. How can you prepare? Park your money in an account where you’ll earn as much interest as possible…save more for the things that matter most, and your everyday needs, as prices continue to climb.


  • Excellent way to save during inflation and a possible recession on the horizon

    1. Earn more than a traditional savings account
    2. Potentially less risky than traditional investments in an uncertain market1
    3. Make it your rainy day fund, or move money sitting in your checking account not earning interest
    4. No monthly fees with an average daily balance of $1000 or more2
  • Tiered Variable Rates3

    1. The more you deposit, the more you earn
    2. Compare our rates
    3. Exclusive Advantage rate bonus4
  • Flexibility

    1. Enjoy easy access to you cash while earning high interest
    2. As rates continue to rise, you'll earn more and more
    3. Deposit and withdraw money as needed5 vs. a fixed period of time

Become a Member Today


Schedule an Appointment


Already a member? Open a money market in Digital Banking! It’s easy to do both online and in the mobile app. Go to your accounts and click Add an Account. If you have more questions, call us at 800.282.6420, option 4, schedule an appointment, or visit a branch to open today!

For full Membership Agreements and Disclosures, please click here.


1Consult your financial advisor.


2$10 monthly fee if minimum balance of $1000 is not met.


3 This 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. For current dividend rate and corresponding Annual Percentage Yield (APY), refer to the current rates page. Other service fees may apply. Fees could reduce earnings. Click here for our fee schedule.


4To earn KEMBA Advantage member status, the following requirements must be met each month: (1) Have an active checking account and make at least 15 qualifying transactions, which include any combination of the following: cleared checks, Debit Card transactions, online bill payments, electronic loan payments made from your KEMBA checking account, automatic deposits or withdrawals, and Virtual Deposits; (2) Have Direct Deposit of your entire payroll, Social Security, or pension check (minimum of $1,000/month); (3) Receive eStatements. If you meet the qualifications during a given calendar month, you will enjoy KEMBA Advantage benefits the next month. Members with a KEMBA business relationship can enjoy Advantage benefits for both your personal and business accounts when you meet the following requirements: (1) Make monthly deposits of at least $2,000 into your  business checking or personal checking account; (2) Have at least 15 qualifying checking transactions into your business checking or personal checking, which include any of the following: cleared checks, Debit Card transactions, online bill payments, electronic loan payments made from your KEMBA checking account, automatic deposits or withdrawals, and Virtual Deposits; (3) Receive eStatements. Loan rate discount and Certificate rate bonuses available only to KEMBA Advantage members meeting program requirements for the full life of the loan or Certificate; otherwise the rate will be adjusted. Actual rate bonuses and discounts will vary and are subject to change. Free box of checks is limited to standard Regal check design. KEMBA reserves the right to change or cancel this program at any time. Learn more on our Advantage page.


5 Subject to transaction limits.

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Hassle-Free C... High Performa... Fresh Start
Tiered interest rates No No
Earn monthly dividends No No No
Free rewards package No No No