Credit union · NCUA insured
Kemba Credit Union Savings Rates
Kemba Credit Union’s best savings rate is 2.00% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Kemba Credit Union’s savings 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
2.00%APY
- Minimum
- $0
- Earns on $10,000 a year
- $200
Money Market Account
Top rate
General Electric Credit Union
4.25%APY
- Minimum
- $0
- Earns on $10,000 a year
- $425
2nd-highest rate
CFBank
4.25%APY
- Minimum
- —
- Earns on $10,000 a year
- $425
Kemba Credit Union savings score
88
Savings score
Higher than 84% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0002.00%
- $100,000 balance$100,0002.50%
- QualifiedQualified2.00%
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 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.
Ohio Homebuyer Plus Savings
5.25%APY
Available to Ohio residents at least 18 years of age with primary residence in Ohio. Proceeds must be used toward down payment and/or mortgage closing costs of a primary residence in Ohio within 5 years (or within 12 months once contributions reach $100,000). Maximum contribution of $100,000. Must maintain a minimum balance of at least $500 ($100 for accounts opened prior to 4/1/2025); balances falling below $500 are transferred to Regular Savings and account is closed.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Applies to balance tier $0.00 - $5,000.00. | 6.25% | — | Applies to balance tier $0.00 - $5,000.00. |
| $5,000 – $10,000Applies to balance tier $5,000.01 - $10,000.00. | 5.25% | $525 | Applies to balance tier $5,000.01 - $10,000.00. |
| $10,000 – $100,000Applies to balance tier $10,000.01 - $100,000.00. | 4.25% | — | Applies to balance tier $10,000.01 - $100,000.00. |
| Over $100,000Applies to balance tier $100,000.01 and up. | 0.05% | — | Applies to balance tier $100,000.01 and up. |
Sources (3)
- kemba.com/bank/personal-savings/homebuyer-plus.html
- kemba.com/tools/rates.html
- kemba.com/bank/personal-savings
All captured Oct 6, 2026
Money Market Account
2.00%APY
No minimum deposit to open. No monthly service fee. 6 free transactions per month. Dividends calculated by the daily balance method.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $24,999 | 2.00% | $200 |
| $25,000 – $74,999 | 2.25% | — |
| $75,000 – $149,999 | 2.50% | — |
| $150,000 – $249,999 | 2.75% | — |
| $250,000 and up | 3.00% | — |
Sources (2)
All captured Oct 6, 2026
Regular Savings Account
0.05%APY
Earns dividends on balances of $100 or more. Establishes membership with Kemba Credit Union.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upRate applies to balances of $100 or more.$100 and up | 0.05% | $5 | Rate applies to balances of $100 or more. |
Sources (3)
- kemba.com/bank/personal-saving…lar-savings-account.html
- kemba.com/tools/rates.html
- kemba.com/bank/personal-savings
All captured Oct 6, 2026
Secondary Savings
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (1)
- kemba.com/tools/rates.html · captured Oct 6, 2026
Special-purpose accounts
Holiday Club
0.05%APY
Funds automatically distributed into any one Kemba account on October 1st. Early withdrawal subject to penalty.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upEarns dividends on balances of $100 or more.$100 and up | 0.05% | $5 | Earns dividends on balances of $100 or more. |
Sources (3)
- kemba.com/bank/personal-saving…lub-savings-account.html
- kemba.com/tools/rates.html
- kemba.com/bank/personal-savings
All captured Oct 6, 2026
Vacation Club
0.05%APY
Early withdrawal subject to penalty.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upEarns dividends on balances of $100 or more.$100 and up | 0.05% | $5 | Earns dividends on balances of $100 or more. |
Sources (3)
- kemba.com/bank/personal-saving…lub-savings-account.html
- kemba.com/tools/rates.html
- kemba.com/bank/personal-savings
All captured Oct 6, 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.