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Be the hero of your own financial journey.

In your heart, you know that saving money is the right move. Sure, it's not easy - but trust us, your efforts will pay off some day. At KEMBA Financial Credit Union, your local central OH credit union, we offer more than those words of encouragement - we also offer a variety of savings account tools which can help you leap life's hurdles and embrace everything it has to offer, plus expert financial guidance you can rely on.

Compare savings accounts for all your unique financial goals.

In addition to traditional savings accounts, KEMBA also offers other high yield savings account solutions to help you not only save your money, but also watch it grow. Your savings are safe and secure at KEMBA, and federally insured by the NCUA. Just as importantly, your funds stay within easy reach through Digital Banking, meaning you can tap into them whenever the situation calls for it.
Establish your Credit Union Membership

Savings Account

This is where good things get started. In addition to setting aside money for rainy days and brighter futures, opening this account establishes your membership in our Central Ohio credit union.

  • Only $5 needed to open
  • Earn competitive interest
  • Build balance through Direct Deposit and Payroll Deduction
Future Savings


In life, timing can be everything. With Certificate accounts, traditionally known as a CD, you can save on your own schedule, ensuring that your extra money will be available right when you need it. With current interest rates, our Certificates provide some of the best rates across all our savings account products.

  • Savings periods from 3 months to 7 years with a fixed interest rate
  • Higher earnings than traditional savings accounts
  • Low minimum balance of just $500
competitive dividend rates

Money Market Accounts

Give your savings portfolio some added punch. Money Market accounts pay more than traditional savings accounts while keeping your funds in easy reach. Your return (the interest earned) varies based on the account balance, so the higher the balance, the more you earn.

  • Tiered rate structure means bigger balances can earn more
  • Access funds through Digital Banking
  • Secure investment with deposits insured by NCUA
Investment Tool


After you leave the working world, you'll have a lot more free time. Fund your future with an Individual Retirement Account (IRA) and make sure you have all the money you need to cover living expenses and enjoy retirement in Ohio.

  • Traditional and Roth IRAs available
  • Benefit from a range of tax advantages (definitely consult your tax advisor on this one)
  • Contribute up to $6,000 annually ($7,000 if over age 50)
pre-taxed savings account

Health Savings Accounts (HSA)

Dealing with a serious illness or injury in the family is hard enough. The last thing you want to worry about is how to pay the bills. With a Health Savings account (HSA), you can set aside money for future medical expenses like braces, knee surgery, prescriptions, or just a regular visit to the doctor.

  • Pays for a wide range of medical, dental and vision care
  • Earns competitive interest
  • Features tax advantages (consult your tax advisor for advice)

Christmas Club Savings

The next holiday season starts now. By saving year-round, you'll have more money to deck the halls with everything that makes you happy.

  • Make easy deposits through payroll deduction or Direct Deposit
  • Earn competitive interest
  • Funds automatically become available on November 1st
Youth Accounts

Youth Solutions

Savings accounts for your children are a great place for birthday cash, weekly allowances and part-time job pay. But in the bigger picture, they're the first step on a lifetime financial journey and can be co-managed by a parent or guardian.

  • Savings Accounts
  • Money Market Accounts
  • Certificates
  • Elements Checking
saving for a purpose

Secondary Savings

Secondary Savings accounts can help you put money away for taxes, bills, emergencies, or to buy a special gift for you or a loved one, while keeping it separate from your day-to-day funds. You can set up a vacation account, a car account, and more.

Ohio Homebuyer Plus Savings Account

Saving for a new home in Ohio is faster and easier than ever with above-market average interest rates! Whether it’s your first home, your dream digs, an upgrade to fit a growing family, or your empty nester sanctuary…we will help you make your home ownership dreams a reality.
  • High-rate savings available to existing and aspiring homebuyers
  • Minimum contribution $100
  • Use towards closing costs or a down payment within 5 years

Learn More About Savings

To learn more about Savings and Deposits, please complete the fields below and a KEMBA Member Service representative will be in touch to help you get started.


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Earn more save more

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!

 Become a member

Come see why we're a better way to bank.

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