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), and Individual Retirement Accounts (IRAs). 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 September 1, 2023 .


Deposits

Share / Savings Open an account


Product Min to Open/Obtain APY KEMBA Advantage APY Everyday APY
Share Savings $5.00 0.15% 0.05%
Christmas Club $0.00 0.20% 0.10%
High Performance Checking $0 – $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 – $2,499.99 0.55% 0.35%

$2,500 – $9,999.99 0.55% 0.35%

$10,000 – $24,999.99 0.85% 0.60%

$25,000 and greater 0.85% 0.60%
 
 

Money Market Accounts Learn more


Product Min to Open/Obtain APY KEMBA Advantage APY Everyday APY
Money Market $1,000 – $9,999.99 2.65% 2.15%

$10,000 – $24,999.99 2.65% 2.15%

$25,000 – $49,999.99 2.80% 2.30 %

$50,000 – $99,999.99 2.80% 2.30%

$100,000 – $249,999.99 3.30% 2.80%

$250,000 and greater 3.30% 2.80%
 

Certificates Learn more


Product Min to Open/Obtain APY KEMBA Advantage APY Everyday APY
3 Month Certificate $500 4.00% 3.50%
6 Month Certificate $500 5.25% 4.75%
12 Month Certificate $500 5.25% 4.75%
24 Month Certificate $500 4.45% 3.95%
24 Month Rate Bump Certificate $500 4.30% 3.80%
36 Month Certificate $500 4.30% 3.80%
48 Month Certificate $500 4.20% 3.70%
60 Month Certificate $500 4.20% 3.70%
84 Month Certificate $500 4.20% 3.70%


Term IRA Accounts Learn more


Product Min to Open/Obtain APY KEMBA Advantage APY Everyday APY
IRA Savings $1 0.25% 0.15%
Coverdell (ESA) Savings $1 0.25% 0.15%
3 Month Term IRA $250 4.00 % 3.50 %
6 Month Term IRA $250 5.25 % 4.75 %
12 Month Term IRA $250 5.25 % 4.75 %
24 Month Term IRA $250 4.45 % 3.95 %
24 Month Rate Bump Term IRA $250 4.30% 3.80%
36 Month Term IRA $250 4.30 % 3.80 %
48 Month Term IRA $250 4.20 % 3.70 %
60 Month Term IRA $250 4.20 % 3.70 %
84 Month Term IRA $250 4.20 % 3.70 %


APY = Annual Percentage Yield. Share Savings, Christmas Club, High Performance Checking, Money Market, 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.
 



Business Deposits

Business Share Accounts Learn more


Product Min to Open/Obtain APY KEMBA Advantage APY Everyday APY
Business Plus Savings $5.00 0.15% 0.05%
Business Money Market $1,000 – $9,999.99 2.65% 2.15%

$10,000 – $24,999.99 2.65% 2.15%

$25,000 – $49,999.99 2.80% 2.30%

$50,000 – $99,999.99 2.80% 2.30%

$100,000 – $249,999.99 3.30% 2.80%

$250,000 and greater 3.30% 2.80%
Business Value Checking $100.00 N/A N/A
Business Smart Checking $1,000 to open/$5,000 or greater 0.15% 0.05%

APY = Annual Percentage Yield. Rates subject to change without notice. Business Plus Savings, Business Money Market, 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.
 



















Credit Card and Loan Rates

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











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Money Markets Learn more


Product Min to Open/Obtain APY KEMBA Advantage APY Everyday APY
Money Market $1,000 – $9,999.99 2.65% 2.15%

$10,000 – $24,999.99 2.65% 2.15%

$25,000 – $49,999.99 2.80% 2.30 %

$50,000 – $99,999.99 2.80% 2.30%

$100,000 – $249,999.99 3.30% 2.80%

$250,000 and greater 3.30% 2.80%
 
Rates effective as of April 1, 2023.


At KEMBA Financial Credit Union, we offer personal banking solutions for Central Ohio residents, as well as a full suite of personal banking products and services with low fees, competitive rates on credit cards, home mortgages and home equity loans, auto loans, personal and student loans, and financial wellness and counseling services.

To learn more, call us 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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