Savings
























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, we offer more than those words of encouragement - we also offer a variety of savings tools that can help you leap life's hurdles and embrace everything it has to offer, plus expert guidance you can rely on.






Establish your 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

Certificates


In life, timing can be everything. With Certificates, you can save on your own schedule, ensuring that your extra money will be available right when you need it.

  • 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


Give your savings portfolio some added punch. Money Markets pay more than traditional savings accounts while keeping your funds in easy reach.

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

IRA


After you leave the working world, you'll have a lot more free time. Make sure you have all the money you need to cover living expenses and enjoy retirement.

  • 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


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 an HSA, you can set aside money for future medical care.

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

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 each November 1st
Youth Accounts

Youth Solutions


Accounts for youths 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.

  • 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.



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.


 

















Disclosures


Woman with coffee in hand looking at KEMBA website on computer.
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.


Open an account