Certificates for Kids

Two kids laughing and running under a sprinkler.

A good way to teach kids that patience pays off.

It's only natural. If you give money to young people, their instinct is to spend it. That makes opening a Certificate for the kids in your life a good teaching moment. It's a chance to explain to young children or teens how their deposits can earn sizable dividends and provide even more money in the future to do all the things they want to do.

  • Savings periods of 3 months to 7 years
  • Secure a rate for this pre-determined period of time
  • Certificates feature higher dividend rates than most traditional savings accounts and, in general,
  • Certificates with longer terms pay dividends at a higher interest rate
  • Track earnings through Digital Banking tools
  • Save for future expenses, education costs, travel opportunities, first cars and more
  • Early withdrawal penalty may apply
  • Certificates automatically renew at maturity
  • Adult required to be on the account with the child

Choose an option below to open one today!

Purple cell phone icon

Call 800.282.6420, option 4.

Purple location icon

Visit a local branch today

Purple financial meeting icon

Speak with our experts

Purple digital banking icon

Current members: Apply within KEMBA's Digital Banking

Speak With Our Experts

For full Membership Agreement and Disclosures, please click here(Opens in a new Window).

The minimum balance required to open this Account is $500.00. You must maintain a balance equal to the minimum balance required to open Your Account each day to obtain the disclosed annual percentage yield and to keep Your Account open. For the current dividend rate and corresponding Annual Percentage Yield (APY), refer to the account disclosure rate supplement or our current rates page.
Your Account will mature after the term indicated on the accompanying account disclosure rate supplement. Your Account will renew automatically at maturity. You will have a grace period of 10 calendar days following the Maturity Date to make withdrawals and/or deposits without penalty.
Early Withdrawal Provisions: We will impose a penalty if you withdraw any of the principal funds before the maturity date. The penalty imposed will equal the greater of: (i) 50.00% of the dividends accrued on the principal amount withdrawn; (ii) 7 days’ dividends accrued on the principal amount withdrawn; or (iii) $25.00.
Transaction Limitations: Once your account is established, you may not make deposits into your account until the maturity of your account. If you exceed this limitation, your account may be subject to closure by the Credit Union.

happy woman in group
KEMBA Careers

KEMBA is a great place to work, and we’re hiring!

Would you like to join a company that pays above market salaries with phenomenal benefits? Then it is time to join KEMBA Financial Credit Union!
Become a member

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

Get started