Credit union · NCUA insured
Kemba Charleston Federal Credit Union Savings Rates
Kemba Charleston Federal Credit Union’s best savings rate is 0.05% APY on $10,000, with its Primary Shares. Rates checked October 15, 2026.
How Kemba Charleston Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Charleston, WV, where Kemba Charleston Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Kemba Charleston Federal Credit Union
0.05%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $5
Primary Shares
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
West Virginia National Guard FCU
1.51%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $151
Kemba Charleston Federal Credit Union savings score
62
Savings score
Higher than 7% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.22%
- QualifiedQualified0.05%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Kemba Charleston Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Primary Shares
0.05%APY
Dividends are declared and paid quarterly on balances over $10.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and up$10.00 minimum balance to obtain the declared yield. Dividends are declared and paid quarterly on balances over $10.00.$10 and up | 0.05% | $5 | $10.00 minimum balance to obtain the declared yield. Dividends are declared and paid quarterly on balances over $10.00. |
Sources (2)
All captured Oct 15, 2026
Premium Share Account
0.05%APY on $10,000
Pays split-level rates on a 5-tier plan. Dividends calculated on day-of-deposit, day-of-withdrawal method and paid monthly. Withdrawals limited to 1 per calendar month. $500.00 minimum balance required.
| Part of the balance | Rate on that part |
|---|---|
| $500 – $10,000 | 0.05% |
| $10,001 – $25,000 | 0.10% |
| $25,001 – $50,000 | 0.20% |
| $50,001 – $75,000 | 0.25% |
| $75,001 and up | 0.35% |
On $10,000 the tiers blend to about 0.05% APY, earning $5 a year.
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA Traditional/Roth Share
0.60%APY
Traditional and Roth IRAs are available. Dividends are declared and paid quarterly on share-type accounts.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upTraditional and Roth IRA share-type accounts. No opening deposit required. $10.00 minimum balance to obtain declared yield. Dividends declared and paid quarterly.$10 and up | 0.60% | $60 | Traditional and Roth IRA share-type accounts. No opening deposit required. $10.00 minimum balance to obtain declared yield. Dividends declared and paid quarterly. |
Sources (2)
All captured Oct 15, 2026
Christmas Club
0.50%APY
No withdrawals allowed during the club year, unless closing. Early withdrawals before club year are $10.00 per withdrawal. Dividends are declared and paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upNo minimum deposit to open. $10.00 minimum balance to obtain declared yield. No withdrawals allowed during the club year unless closing ($10.00 fee per early withdrawal). Dividends declared and paid quarterly.$10 and up | 0.50% | $50 | No minimum deposit to open. $10.00 minimum balance to obtain declared yield. No withdrawals allowed during the club year unless closing ($10.00 fee per early withdrawal). Dividends declared and paid quarterly. |
Sources (2)
All captured Oct 15, 2026
Secondary Clubs
0.05%APY
Vacation accounts and special member-defined accounts. Dividends are declared and paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and up$10.00 minimum balance to obtain declared yield. Dividends declared and paid quarterly.$10 and up | 0.05% | $5 | $10.00 minimum balance to obtain declared yield. Dividends declared and paid quarterly. |
Sources (2)
All captured Oct 15, 2026
Who can join Kemba Charleston Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who reside, work, worship, or attend school, as well as business entities, in the towns of Dunbar, Institute, and Nitro, WV within zip codes 25064, 25112, or 25143 and census tracts 0101.00-0104.00 or 0106.00 are eligible for membership.
Employers and groups
- Employees of Kroger Co. are eligible for membership.
- Employees and members of designated select employee groups and affiliated organizations are eligible for membership.
Military, government and schools
- Employees of Kanawha County Emergency Ambulance Authority who work in or are paid from Charleston, WV are eligible for membership.
Family and household
- Families of Kroger Co. employees are eligible for membership.
Cost to join
- Opening a primary share account requires a minimum share deposit of $5.00 (par value $5.00).
Membership information collected October 4, 2026.