Credit union · NCUA insured
Kemba Credit Union CD Rates
Kemba Credit Union’s best CD rate is 4.35% APY on a 40-month share certificate (CD). Terms run from 19 months to 40 months. Rates checked October 16, 2026.
How Kemba Credit Union’s CD rates compare
Compared with banks and credit unions near Cincinnati, OH-KY-IN, where Kemba Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Kemba Credit Union
4.35%APY
- Term
- 40 months
- Minimum
- $500
- Earns on $10,000
- $1,525
Certificates
Top rate
Peoples Exchange Bank
4.50%APY
- Term
- 13 months
- Minimum
- —
- Earns on $10,000
- $488
2nd-highest rate
Community Savings Bank
4.50%APY
- Term
- 36 months
- Minimum
- $5,000
- Earns on $10,000
- $1,412
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates
Up to 4.35%APY · 2 terms
Fixed rate certificates with terms from 3 months to 5 years. No setup or maintenance fees. Early withdrawals subject to penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 19 months19 Month Special. Minimum balance to open and earn dividends: $500.00. Early withdrawals subject to penalty | 4.25% | $681 |
| 40 months40 Month Special. Minimum balance to open and earn dividends: $500.00. Early withdrawals subject to penalty | 4.35% | $1,525 |
Sources (1)
- kemba.com/bank/personal-savings/certificates.html · captured Sep 26, 2026
Who can join Kemba 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This may be incomplete or out of date, so check with the credit union before you apply.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 live or work in specified Indiana counties (Dearborn, Fayette, Franklin, Rush, Union, Wayne, or Wells) are eligible.
- Persons who live, work, worship, or attend school in specified Kentucky counties (Boone, Campbell, Carroll, Gallatin, Grant, Kenton, Owen, or Pendleton) are eligible.
- Persons who live, work, worship, or attend school in specified Ohio counties (Adams, Brown, Butler, Clark, Clermont, Clinton, Darke, Fayette, Greene, Hamilton, Highland, Miami, Montgomery, Preble, or Warren) are eligible.
Employers and groups
- Employees of any of the more than 600 partner companies are eligible for membership.
Family and household
- Immediate family members of an existing Kemba Credit Union member are eligible to join.
Other ways
- Anyone who lives in the Greater Cincinnati area and holds a Kroger Plus Card (or whose local Kroger store is in Northern Kentucky or Southeast Indiana) is eligible to join.
Cost to join
- Membership requires maintaining a $5 minimum balance in a savings account.
Membership information collected October 5, 2026.