Money Market Accounts

Money Market Accounts


A KEMBA Money Market Account allows you to earn more competitive dividend rates than a traditional savings account, with access to your funds any time.1 Boost your earning potential by transferring funds from another financial institution and achieve a savings goal to get to the next savings tier!


  • Tiered Variable Rate2

    1. $1,000 - $9,999.99
    2. $10,000 - $24,999.99
    3. $25,000 - $49,999.99
    4. $50,000 - $99,999.99
    5. $100,000 - $249,999.99
    6. $250,000 and up
  • No monthly fees with an Average Daily Balance of $1,000 or more.

  • There is a $10 monthly fee if the minimum balance of $1,000 is not met.3

  • Earn a higher Annual Percentage Yield (APY) with our exclusive Advantage membership!4

For full Membership Agreements and Disclosures, please click here.


1 Subject to transaction limits.


2This 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. For current dividend rate and corresponding Annual Percentage Yield (APY), refer to the current rates page.


3Other service fees may apply. Fees could reduce earnings.  Click here for our fee schedule.


4To 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.

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Hassle-Free C... High Performa... Fresh Start
Tiered interest rates No No
Earn monthly dividends No No No
Free rewards package No No No