Certificates

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Time flies. And your savings soars.


When it comes to saving your money, a sure thing is hard to find. The good news is that our Certificates are an exception. Your first step is to decide on the savings period - from 3 months to 7 years. You'll earn larger dividends than those paid by standard savings accounts, without risk.

  • Fixed rate for the entire Certificate term¹
  • Advantage members receive exclusive rate bonuses²
  • Terms range from 3 months to 7 years
  • In general, longer term Certificates earn higher rates
  • Minimum balance requirement of only $500³
  • Early withdrawal penalty may apply
  • Accounts automatically renew at maturity4
 




Choose an option below to open one today!


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Call 800.282.6420, option 4.



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Visit a local branch today



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Speak with our experts



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Current members: Apply within KEMBA's Digital Banking






























Disclosures
For full Membership Agreements and Disclosures, please click here.

¹For the current dividend rate and corresponding Annual Percentage Yield (APY), refer to the account disclosure rate supplement or our current rates page.

²To 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.

³The minimum balance required to open this Account is $500.00. You must maintain a balance equal to the minimum balance required to open Your Account each day to obtain the disclosed annual percentage yield and to keep Your Account open.

4Your Account will mature after the term indicated on the accompanying account disclosure rate supplement. Your Account will renew automatically at maturity. You will have a grace period of 10 calendar days following the Maturity Date to make withdrawals and/or deposits without penalty.

Early Withdrawal Provisions: We will impose a penalty if you withdraw any of the principal funds before the maturity date. The penalty imposed will equal the greater of: (i) 50.00% of the dividends accrued on the principal amount withdrawn; (ii) 7 days’ dividends accrued on the principal amount withdrawn; or (iii) $25.00.
 
Transaction Limitations: Once your account is established, you may not make deposits into your account until the maturity of your account. If you exceed this limitation, your account may be subject to closure by the Credit Union.
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Get more perks as a KEMBA Advantage member.

Use KEMBA as your primary financial institution to enjoy rate bonuses on deposits and discounts on loans. Earn more, save more!

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