Could a Money Market Account Be Right for You?
A money market account is like a savings and checking account rolled into one. Rates are based on the savings tiers below. Click here for more details about Money Market Accounts.
Limited-Time Money Market Special Rate
Earn 4.00% APY1 Everyday Rate until May 2027
Plus, Advantage members earn more with 4.50% APY
Minimum balance of $5,000 is required to earn stated APY, with a $1,000,000 maximum
Money Markets provide higher returns than other savings accounts with immediate access to your money:
Compare our rate to the national average of 0.63% APY as reported on by the FDIC, October 2026, for standard Money Market Accounts*
- Maintain Flexibility: With a Money Market, you can access to your funds at any time
- Money not currently on deposit at KEMBA is required (with exceptions for select maturing deposit rates) ²
- Earn stated dividend rate until May 2027
- Take advantage of high-rate savings with online accessibility in Digital Banking†
Call 800.282.6420, option 4, schedule an appointment, or visit a local branch to open your account today.
Questions? Let's build a plan together.
We're here to help. Schedule an appointment with a local KEMBA representative, give us a call, or stop by your local branch.
Disclosures
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¹APY = Annual Percentage Yield. Money Market Share accounts must be opened between 11.1.2026 and 12.31.2026 to qualify for the promotional APY. Dividend rates are subject to change after account opening. This Money Market Account promotional rate of 4.50% APY for Advantage members, and 4.00% APY for non-Advantage members, is available to new and current members who open a new KEMBA Consumer Money Market or KEMBA Business Money Market Account during the promotional period. Minimum balance to open and earn stated APY is $5,000 and maximum balance for this promotional Money Market rate is $1,000,000. Tiered rates apply to this account and will be determined based on the daily balance maintained. The first tier of $0.01 to $1,000,000 balance will earn a 4.50% APY for Advantage members, and 4.00% APY for non-Advantage members. The APY earned for the second tier, deposits in excess of $1,000,000, will depend on Advantage status and range from 1.45% APY to 2.55% APY. For example, if you deposit $1,000,000.01 in this Money Market Account, you will earn 2.55% APY as an Advantage member, or 2.05% APY as a non-Advantage member on any amount over $1,000,000.
²Promotional offer valid on new money only (new money defined as money not on deposit with KEMBA in the past 12 months and/or has been deposited within the 5 prior business days) with the following exceptions: all Certificates (promotional and standard terms) maturing or within their 10-day grace period during the special offer window (11.1.2026 – 12.31.2026) and prior Money Market rate specials that expire on 12.31.2026 – said existing money is eligible for this special rate until 4.30.2027. Money currently on deposit at KEMBA is not eligible for this offer for the entire time the promotional rate is in effect (4.30.2027), with previously stated exceptions. Limit of one introductory rate Money Market Account offer per social security or tax ID number. Not available with any other promotions or offers for the same product type (Money Market Account). Withdrawals and fees may reduce earnings. The special rate is accurate as of 11.1.2026 and will be available through 4.30.2027. For example, a Money Market Account opened 11.15.2026 would earn the special rate through 4.30.2027. The rate for this promotional Money Market Account will revert to the prevailing Money Market Account rates and tiers on 5.1.2027. On or after that date, you may visit our rates page to find out the APY that will apply to your Money Market Account. KEMBA reserves the right to change or cancel this offer at any time. KEMBA membership required. Federally insured by NCUA. Offer ends 12.31.2026.
†Subject to transaction limits. Visit kemba.org/advantage for Advantage program details.
*Source: Federal Deposit Insurance Corporation (FDIC), National Rates and Rate Caps, October 2026 for standard Money Market Accounts. https://www.fdic.gov/national-rates-and-rate-caps