Credit union · NCUA insured
KEMBA Financial Credit Union CD Rates
KEMBA Financial Credit Union’s best CD rate is 4.20% APY on a 5-year share certificate (CD), with extra requirements. Terms run from 3 months to 7 years. Rates checked October 16, 2026.
How KEMBA Financial Credit Union’s CD rates compare
Compared with banks and credit unions near Columbus, OH, where KEMBA Financial Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
KEMBA Financial Credit Union
4.20%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $2,284
Certificates
Top rate
Homeland Credit Union
5.15%APY
- Term
- 30 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,338
2nd-highest rate
Scott Associates Credit Union Inc
5.06%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,802
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates
Up to 4.20%APY · 8 terms
Requires maintaining the minimum opening balance of $500 each day to obtain APY and keep account open. Additional deposits not permitted during term. Early withdrawal penalty applies. Automatically renews at maturity with a 10-day grace period. Advantage status required for higher rate bonus.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEveryday APY | 3.00% | $74 |
| 3 monthsKEMBA Advantage APY. Requires active checking with 15 qualifying transactions, direct deposit ($1,000/mo min), and eStatements | 3.50% | $86 |
| 6 monthsEveryday APY | 3.50% | $173 |
| 6 monthsKEMBA Advantage APY. Requires active checking with 15 qualifying transactions, direct deposit ($1,000/mo min), and eStatements | 4.00% | $198 |
| 12 monthsEveryday APY | 3.50% | $350 |
| 12 monthsKEMBA Advantage APY. Requires active checking with 15 qualifying transactions, direct deposit ($1,000/mo min), and eStatements | 4.00% | $400 |
| 24 monthsEveryday APY | 3.50% | $712 |
| 24 monthsEveryday APY. Rate Bump Certificate allows one rate bump during the 24-month term upon member request | 3.25% | $661 |
| 24 monthsKEMBA Advantage APY. Rate Bump Certificate allows one rate bump during the 24-month term upon member request. Requires active checking with 15 qualifying transactions, direct deposit ($1,000/mo min), and eStatements | 3.75% | $764 |
| 24 monthsKEMBA Advantage APY. Requires active checking with 15 qualifying transactions, direct deposit ($1,000/mo min), and eStatements | 4.00% | $816 |
| 36 monthsEveryday APY | 3.60% | $1,119 |
| 36 monthsKEMBA Advantage APY. Requires active checking with 15 qualifying transactions, direct deposit ($1,000/mo min), and eStatements | 4.10% | $1,281 |
| 48 monthsEveryday APY | 3.60% | $1,520 |
| 48 monthsKEMBA Advantage APY. Requires active checking with 15 qualifying transactions, direct deposit ($1,000/mo min), and eStatements | 4.10% | $1,744 |
| 60 monthsEveryday APY | 3.70% | $1,992 |
| 60 monthsKEMBA Advantage APY. Requires active checking with 15 qualifying transactions, direct deposit ($1,000/mo min), and eStatements | 4.20% | $2,284 |
| 84 monthsEveryday APY | 3.70% | $2,896 |
| 84 monthsKEMBA Advantage APY. Requires active checking with 15 qualifying transactions, direct deposit ($1,000/mo min), and eStatements | 4.20% | $3,337 |
Sources (3)
- kemba.org/personal/learning/deposit-rates
- kemba.org/personal/saving/certificates
- kemba.org/personal/saving/rate-bump-certificate
All captured Oct 6, 2026
Special-purpose accounts
Term IRA Accounts
Up to 4.20%APY · 8 terms
Term IRA CD product available for Traditional and Roth IRAs. Minimum balance to open is $250. Early withdrawal penalties apply. Advantage status required to earn higher rates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEveryday APY | 3.00% | $74 |
| 3 monthsKEMBA Advantage APY. Requires active checking with 15 qualifying transactions, direct deposit ($1,000/mo min), and eStatements | 3.50% | $86 |
| 6 monthsEveryday APY | 3.50% | $173 |
| 6 monthsKEMBA Advantage APY. Requires active checking with 15 qualifying transactions, direct deposit ($1,000/mo min), and eStatements | 4.00% | $198 |
| 12 monthsEveryday APY | 3.50% | $350 |
| 12 monthsKEMBA Advantage APY. Requires active checking with 15 qualifying transactions, direct deposit ($1,000/mo min), and eStatements | 4.00% | $400 |
| 24 monthsEveryday APY | 3.50% | $712 |
| 24 monthsEveryday APY. Rate Bump Term IRA allows one rate bump during the 24-month term upon member request | 3.25% | $661 |
| 24 monthsKEMBA Advantage APY. Rate Bump Term IRA allows one rate bump during the 24-month term upon member request. Requires active checking with 15 qualifying transactions, direct deposit ($1,000/mo min), and eStatements | 3.75% | $764 |
| 24 monthsKEMBA Advantage APY. Requires active checking with 15 qualifying transactions, direct deposit ($1,000/mo min), and eStatements | 4.00% | $816 |
| 36 monthsEveryday APY | 3.60% | $1,119 |
| 36 monthsKEMBA Advantage APY. Requires active checking with 15 qualifying transactions, direct deposit ($1,000/mo min), and eStatements | 4.10% | $1,281 |
| 48 monthsEveryday APY | 3.60% | $1,520 |
| 48 monthsKEMBA Advantage APY. Requires active checking with 15 qualifying transactions, direct deposit ($1,000/mo min), and eStatements | 4.10% | $1,744 |
| 60 monthsEveryday APY | 3.70% | $1,992 |
| 60 monthsKEMBA Advantage APY. Requires active checking with 15 qualifying transactions, direct deposit ($1,000/mo min), and eStatements | 4.20% | $2,284 |
| 84 monthsEveryday APY | 3.70% | $2,896 |
| 84 monthsKEMBA Advantage APY. Requires active checking with 15 qualifying transactions, direct deposit ($1,000/mo min), and eStatements | 4.20% | $3,337 |
Who can join KEMBA Financial Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in specified Ohio counties are eligible for membership.
Employers and groups
- Employees of partner companies are eligible for membership.
Family and household
- Individuals who have a family member currently belonging to KEMBA Financial Credit Union are eligible for membership.
Cost to join
- Membership is established with an initial $5 deposit into a Primary Savings Account.
Membership information collected October 5, 2026.