Money Market Account

Confident family enjoying the outdoors, reflecting financial peace of mind with a strong money market strategy.























For smart savers, it’s the next step up.

Those words – “Money Market Rates” – aren’t necessarily part of everyone’s financial vocabulary. But they should be. This popular interest-bearing savings account gives your finances an upward kick by out-earning most traditional savings accounts. Money Market accounts are insured and guaranteed by the NCUA, making it a safe and secure high interest savings account option.

Our traditional Money Market Account offers:
  • Access funds through Digital Banking, or at your local Ohio KEMBA Financial Credit Union branches¹
  • No monthly fees with an average daily balance of $1,000 or more
  • $10 monthly fee if the minimum balance of $1,000 is not met²
  • Earn an even higher Annual Percentage Yield (APY)3 with our exclusive Advantage4 membership
  • Secure savings with all deposits insured by National Credit Union Administration (NCUA)5



Tiered Rate Structure

A money market account is like a savings and checking account rolled into one. However, there are added benefits which set a money market account apart. A money market account provides a higher interest rate of return than a standard savings or checking account, meaning you earn more interest on your money. Plus, the more you save, the more you earn. Rates are based on the savings tiers below.

Savings Tiers* KEMBA Advantage APY Everyday APY
$1,000 – $9,999.99 2.10% 1.60%
$10,000 – $24,999.99 2.10% 1.60%
$25,000 – $49,999.99 2.25% 1.75 %
$50,000 – $99,999.99
 2.25% 1.75%
$100,000 – $249,999.99
 2.70% 2.20%
$250,000 and greater
 2.70% 2.20%
*Minimum balance to open a traditional Money Market Account is $1,000. Money Market Account Rates accurate as of October 1, 2025.

Choose an option below to open an account with us today!

With a money market account, your money is completely liquid, so you can make deposits and withdrawals with just a few requirements to keep in mind, like minimum balance and transaction limits.

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Call 800.282.6420, option 4.



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Visit a local Ohio branch today



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Speak with our experts



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Current members: Apply within KEMBA's Digital Banking































At KEMBA Financial Credit Union, we provide trusted personal banking services in Central Ohio, as well as a full suite of personal banking products and services tailored to meet the financial needs of individuals and families. Our offerings include: low-rate credit cards with rewards, competitive-rate mortgages, home equity loans and refinancing options, low-interest auto loans in Central Ohio, personal and student loans, and financial wellness blogs and counseling services.

Discover why more Central Ohioans are searching for "best credit union near me" and choosing KEMBA.

To learn more, call us today 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
For full Membership Agreement and Disclosures, click here.
¹ Subject to transaction limits.
² Other service fees may apply. Fees could reduce earnings. Click here for our fee schedule.
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. Tier one rates apply to balances less than $1,000. For current dividend rate and corresponding Annual Percentage Yield (APY), refer to the current rates page.
4 To 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 NCUA-Insured up to $250,000.
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