Primary Savings Account


Your Primary Savings Account, along with your first $5.00 deposit, establishes your ownership in KEMBA Financial Credit Union, and is a great way to start saving for the future. Let us help you transfer business from another financial institution or set up periodic deposits. Make regular contributions by payroll deduction or Direct Deposit, at KEMBA or Shared Branching locations, online, or by telephone.


  • Minimum balance requirement of only $5.00.

  • Monthly fee of $5.00 is waived for the first 12 months of membership. After 12 months, meeting one of these requirements can waive the fee:1

    1. Become an Advantage member.2
    2. Have an active Checking account or Loan.
    3. Maintain an Average Daily Balance of $250.00 in combined household deposits and loans.
    4. Be younger than 24 years of age.

Minimum Balance Requirements: To be a member and maintain accounts with us, you must purchase one share in the Credit Union. The par value of a share in this Credit Union is $5.00. If the balance in your primary share account drops below one share ($5.00), for a period of six months or more, we may, at our option, close your account.




For full Membership Agreements and Disclosures, please click here.


1This monthly fee is waived entirely for the first twelve months of membership. Other service fees may apply. Fees could reduce earnings. Click here for our fee schedule.


2To 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.


3This is a variable rate account. Rates are subject to change. For the current dividend rate and corresponding Annual Percentage Yield (APY), refer to the account disclosure rate supplement or our current rates 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