Christmas Club

mother and young child window shopping during winter holidays























Get into the spirit every season of the year.


Special gifts. Delicious food. Fun festivities. The cash to cover winter holiday costs doesn’t just drop down the chimney. One way to pay for it all is to make year-round deposits in a special account. Your money grows with the help of regular dividend payments, allowing you to bring extra joy to your world and all the people in it.
  • No minimum balance requirement
  • Make easy deposits through payroll deduction or Direct Deposit
  • Track progress with Digital Banking or our mobile app
  • Earn competitive dividends at a variable rate¹
  • Advantage members can get exclusive rate bonuses²
  • Funds become available each November 1 when they’re automatically moved to your primary savings account.
  • $10 fee for early withdrawal³





































Apply Within KEMBA's Digital Banking




Disclosures
For full Membership Agreements and Disclosures, please click here.
 
¹This is a variable rate account. Rates may change after opening. For current dividend rates and corresponding Annual Percentage Yield (APY), refer to KEMBA’s current 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. Find more information on our Advantage page.
 
³Your Account will renew automatically at maturity, the 1st day of November each year for this account, and there is no grace period following the maturity date to make withdrawals without penalty. Upon maturity, your entire balance on deposit at that time will automatically be transferred to your Primary Savings Account. We will impose a penalty if you withdraw any funds before the maturity date. The penalty imposed will equal $10.00.

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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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