KEMBA Financial Credit Union High-Yield Savings & Money Market Rates

How KEMBA Financial Credit Union’s savings 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
1.95%APY
Requires
Monthly account activity
Minimum
$1,000
Earns on $10,000 a year
$195
Money Market
Top rate
CFBank
4.25%APY
Requires
None
Minimum
—
Earns on $10,000 a year
$425
CFBank rates
2nd-highest rate
Northwest Bank
4.00%APY
Requires
None
Minimum
$1
Earns on $10,000 a year
$400
Northwest Bank rates

Compare savings rates near you →

Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Ohio Homebuyer Plus Savings Account

6.25%APY$500 to open

Valid for both KEMBA Advantage and Everyday members. Must be an Ohio resident at least 18 years old with primary residence in Ohio. Proceeds must be used toward down payment or closing costs of a home purchased in Ohio within 5 years (or within 12 months of reaching $100,000 max balance for accounts opened on or after April 1, 2025). Variable rate account. Maximum contribution limit of $100,000. Rates effective August 1, 2026.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Up to $100,0006.25% APY. $500 minimum to open.Up to $100,000	6.25%	$625	6.25% APY. $500 minimum to open.

Sources (2)

All captured Oct 16, 2026

Rewards Savings

Up to 5.00%APY

High-yield savings account tied to credit card cash back rewards payouts. Rates current as of October 1, 2026.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceFor KEMBA Advantage members.Any balance	5.00%	$500	For KEMBA Advantage members.
Any balanceFor non-Advantage members.Any balance	1.00%	$100	For non-Advantage members.

Sources (2)

All captured Oct 16, 2026

Money Market

Up to 1.95%APYRequirements apply$1,000 to open

Variable rate account. Rates may change after opening. Tiered variable rates apply when maintaining the required average daily balance for each interest rate. Tier one rates apply to balances less than $1,000. Monthly fee of $10 is waived with an average daily balance of $1,000 or more.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$1,000 – $10,000KEMBA Advantage APY. Requires meeting KEMBA Advantage status requirements: active checking with at least 15 qualifying transactions/month, direct deposit of full payroll/Social Security/pension ($1,000+/month min), and eStatements. $10 monthly fee waived with average daily balance of $1,000 or more.	1.95%	—	KEMBA Advantage APY. Requires meeting KEMBA Advantage status requirements: active checking with at least 15 qualifying transactions/month, direct deposit of full payroll/Social Security/pension ($1,000+/month min), and eStatements. $10 monthly fee waived with average daily balance of $1,000 or more.
$1,000 – $10,000Everyday APY. $10 monthly fee waived with average daily balance of $1,000 or more.	1.45%	—	Everyday APY. $10 monthly fee waived with average daily balance of $1,000 or more.
$10,000 – $25,000KEMBA Advantage APY. Requires meeting KEMBA Advantage status requirements: active checking with at least 15 qualifying transactions/month, direct deposit of full payroll/Social Security/pension ($1,000+/month min), and eStatements. $10 monthly fee waived with average daily balance of $1,000 or more.	1.95%	$195	KEMBA Advantage APY. Requires meeting KEMBA Advantage status requirements: active checking with at least 15 qualifying transactions/month, direct deposit of full payroll/Social Security/pension ($1,000+/month min), and eStatements. $10 monthly fee waived with average daily balance of $1,000 or more.
$10,000 – $25,000Everyday APY. $10 monthly fee waived with average daily balance of $1,000 or more.	1.45%	$145	Everyday APY. $10 monthly fee waived with average daily balance of $1,000 or more.
$25,000 – $50,000KEMBA Advantage APY. Requires meeting KEMBA Advantage status requirements: active checking with at least 15 qualifying transactions/month, direct deposit of full payroll/Social Security/pension ($1,000+/month min), and eStatements. $10 monthly fee waived with average daily balance of $1,000 or more.	2.10%	—	KEMBA Advantage APY. Requires meeting KEMBA Advantage status requirements: active checking with at least 15 qualifying transactions/month, direct deposit of full payroll/Social Security/pension ($1,000+/month min), and eStatements. $10 monthly fee waived with average daily balance of $1,000 or more.
$25,000 – $50,000Everyday APY. $10 monthly fee waived with average daily balance of $1,000 or more.	1.60%	—	Everyday APY. $10 monthly fee waived with average daily balance of $1,000 or more.
$50,000 – $100,000KEMBA Advantage APY. Requires meeting KEMBA Advantage status requirements: active checking with at least 15 qualifying transactions/month, direct deposit of full payroll/Social Security/pension ($1,000+/month min), and eStatements. $10 monthly fee waived with average daily balance of $1,000 or more.	2.10%	—	KEMBA Advantage APY. Requires meeting KEMBA Advantage status requirements: active checking with at least 15 qualifying transactions/month, direct deposit of full payroll/Social Security/pension ($1,000+/month min), and eStatements. $10 monthly fee waived with average daily balance of $1,000 or more.
$50,000 – $100,000Everyday APY. $10 monthly fee waived with average daily balance of $1,000 or more.	1.60%	—	Everyday APY. $10 monthly fee waived with average daily balance of $1,000 or more.
$100,000 – $250,000KEMBA Advantage APY. Requires meeting KEMBA Advantage status requirements: active checking with at least 15 qualifying transactions/month, direct deposit of full payroll/Social Security/pension ($1,000+/month min), and eStatements. $10 monthly fee waived with average daily balance of $1,000 or more.	2.55%	—	KEMBA Advantage APY. Requires meeting KEMBA Advantage status requirements: active checking with at least 15 qualifying transactions/month, direct deposit of full payroll/Social Security/pension ($1,000+/month min), and eStatements. $10 monthly fee waived with average daily balance of $1,000 or more.
$100,000 – $250,000Everyday APY. $10 monthly fee waived with average daily balance of $1,000 or more.	2.05%	—	Everyday APY. $10 monthly fee waived with average daily balance of $1,000 or more.
$250,000 and upKEMBA Advantage APY. Requires meeting KEMBA Advantage status requirements: active checking with at least 15 qualifying transactions/month, direct deposit of full payroll/Social Security/pension ($1,000+/month min), and eStatements. $10 monthly fee waived with average daily balance of $1,000 or more.	2.55%	—	KEMBA Advantage APY. Requires meeting KEMBA Advantage status requirements: active checking with at least 15 qualifying transactions/month, direct deposit of full payroll/Social Security/pension ($1,000+/month min), and eStatements. $10 monthly fee waived with average daily balance of $1,000 or more.
$250,000 and upEveryday APY. $10 monthly fee waived with average daily balance of $1,000 or more.	2.05%	—	Everyday APY. $10 monthly fee waived with average daily balance of $1,000 or more.

Sources (2)

All captured Sep 17, 2026

Primary Savings

Up to 0.15%APYRequirements apply$5 to open

Establishes membership in KEMBA Financial Credit Union. Variable rate account. Rates effective August 1, 2026. Advantage status required to earn higher rates.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Over $0KEMBA Advantage APY. $5 minimum to open.Over $0	0.15%	$15	KEMBA Advantage APY. $5 minimum to open.
Over $0Everyday APY. $5 minimum to open.Over $0	0.05%	$5	Everyday APY. $5 minimum to open.

Sources (2)

All captured Oct 16, 2026

Secondary Savings

Up to 0.15%APYRequirements apply

Variable dividend rate account. No minimum balance requirement.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Over $0KEMBA Advantage APY. Requires meeting monthly Advantage status qualifications.Over $0	0.15%	$15	KEMBA Advantage APY. Requires meeting monthly Advantage status qualifications.
Over $0Everyday APY for non-Advantage members.Over $0	0.05%	$5	Everyday APY for non-Advantage members.

Sources (3)

All captured Oct 16, 2026

Special-purpose accounts

84 Month Term IRA

Up to 4.20%APY · 1 termIRARequirements applyFrom $250 to open

84-month term. $250 minimum to open. IRA certificate with early withdrawal penalties. APY = Annual Percentage Yield. Rates subject to change without notice. Rates effective August 1, 2026. Advantage status required to earn higher rates.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
84 months84-month term. $250 minimum to open. Advantage APY	4.20%	$3,337
84 months84-month term. $250 minimum to open. Everyday APY	3.70%	$2,896

Sources (1)

kemba.org/personal/learning/deposit-rates · captured Oct 16, 2026

36 Month Term IRA

Up to 4.10%APY · 1 termIRARequirements applyFrom $250 to open

36-month term. $250 minimum to open. IRA certificate with early withdrawal penalties. APY = Annual Percentage Yield. Rates subject to change without notice. Rates effective August 1, 2026. Advantage status required to earn higher rates.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
36 months36-month term. $250 minimum to open. Advantage APY	4.10%	$1,281
36 months36-month term. $250 minimum to open. Everyday APY	3.60%	$1,119

Sources (1)

kemba.org/personal/learning/deposit-rates · captured Oct 16, 2026

48 Month Term IRA

Up to 4.10%APY · 1 termIRARequirements applyFrom $250 to open

48-month term. $250 minimum to open. IRA certificate with early withdrawal penalties. APY = Annual Percentage Yield. Rates subject to change without notice. Rates effective August 1, 2026. Advantage status required to earn higher rates.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
48 months48-month term. $250 minimum to open. Advantage APY	4.10%	$1,744
48 months48-month term. $250 minimum to open. Everyday APY	3.60%	$1,520

Sources (1)

kemba.org/personal/learning/deposit-rates · captured Oct 16, 2026

12 Month Term IRA

Up to 4.00%APY · 1 termIRARequirements applyFrom $250 to open

12-month term. $250 minimum to open. IRA certificate with early withdrawal penalties. APY = Annual Percentage Yield. Rates subject to change without notice. Rates effective August 1, 2026. Advantage status required to earn higher rates.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
12 months12-month term. $250 minimum to open. Advantage APY	4.00%	$400
12 months12-month term. $250 minimum to open. Everyday APY	3.50%	$350

Sources (1)

kemba.org/personal/learning/deposit-rates · captured Oct 16, 2026

24 Month Term IRA

Up to 4.00%APY · 1 termIRARequirements applyFrom $250 to open

24-month term. $250 minimum to open. IRA certificate with early withdrawal penalties. APY = Annual Percentage Yield. Rates subject to change without notice. Rates effective August 1, 2026. Advantage status required to earn higher rates.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
24 months24-month term. $250 minimum to open. Advantage APY	4.00%	$816
24 months24-month term. $250 minimum to open. Everyday APY	3.50%	$712

Sources (1)

kemba.org/personal/learning/deposit-rates · captured Oct 16, 2026

6 Month Term IRA

Up to 4.00%APY · 1 termIRARequirements applyFrom $250 to open

6-month term. $250 minimum to open. IRA certificate with early withdrawal penalties. APY = Annual Percentage Yield. Rates subject to change without notice. Rates effective August 1, 2026. Advantage status required to earn higher rates.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
6 months6-month term. $250 minimum to open. Advantage APY	4.00%	$198
6 months6-month term. $250 minimum to open. Everyday APY	3.50%	$173

Sources (1)

kemba.org/personal/learning/deposit-rates · captured Oct 16, 2026

60 Month Term IRA

3.80%APY · 1 termIRARequirements applyFrom $250 to open

IRA certificate with early withdrawal penalties. APY = Annual Percentage Yield. Rates subject to change without notice. Advantage status required to earn higher rates.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
60 months60-month term. $250 minimum to open. Variable rate account. Advantage status required to earn higher rates	3.80%	$2,050

Sources (1)

kemba.org/personal/learning/deposit-rates · captured Sep 17, 2026

24 Month Rate Bump Term IRA

Up to 3.75%APY · 1 termIRARequirements applyFrom $250 to open

24-month term with one rate bump. $250 minimum to open. IRA certificate with early withdrawal penalties. APY = Annual Percentage Yield. Rates subject to change without notice. Rates effective August 1, 2026. Advantage status required to earn higher rates.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
24 months24-month term with one rate bump. $250 minimum to open. Advantage APY	3.75%	$764
24 months24-month term with one rate bump. $250 minimum to open. Everyday APY	3.25%	$661

Sources (1)

kemba.org/personal/learning/deposit-rates · captured Oct 16, 2026

3 Month Term IRA

Up to 3.50%APY · 1 termIRAFrom $250 to open

3-month term. $250 minimum to open. IRA certificate with early withdrawal penalties. APY = Annual Percentage Yield. Rates subject to change without notice. Rates effective August 1, 2026.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
3 months3-month term. $250 minimum to open. Advantage APY	3.50%	$86
3 months3-month term. $250 minimum to open. Everyday APY	3.00%	$74

Sources (1)

kemba.org/personal/learning/deposit-rates · captured Oct 16, 2026

Health Savings Account

Up to 0.85%APYHSA

Must be used in conjunction with a high-deductible health plan for qualified medical expenses. Variable rate tiered account. Average daily balance required for each rate tier. Rates effective August 1, 2026.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,500KEMBA Advantage APY. $0.01–$2,499.99 tier.	0.55%	—	KEMBA Advantage APY. $0.01–$2,499.99 tier.
Up to $2,500Everyday APY. $0.01–$2,499.99 tier.	0.25%	—	Everyday APY. $0.01–$2,499.99 tier.
$2,500 – $10,000KEMBA Advantage APY. $2,500–$9,999.99 tier.	0.55%	—	KEMBA Advantage APY. $2,500–$9,999.99 tier.
$2,500 – $10,000Everyday APY. $2,500–$9,999.99 tier.	0.25%	—	Everyday APY. $2,500–$9,999.99 tier.
$10,000 – $25,000KEMBA Advantage APY. $10,000–$24,999.99 tier.	0.85%	$85	KEMBA Advantage APY. $10,000–$24,999.99 tier.
$10,000 – $25,000Everyday APY. $10,000–$24,999.99 tier.	0.50%	$50	Everyday APY. $10,000–$24,999.99 tier.
$25,000 and upKEMBA Advantage APY. $25,000+ tier.	0.85%	—	KEMBA Advantage APY. $25,000+ tier.
$25,000 and upEveryday APY. $25,000+ tier.	0.50%	—	Everyday APY. $25,000+ tier.

Sources (2)

All captured Oct 16, 2026

Coverdell (ESA) Savings

Up to 0.25%APYIRA

Coverdell Education Savings Account savings.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceKEMBA Advantage APY.Any balance	0.25%	$25	KEMBA Advantage APY.
Any balanceEveryday APY.Any balance	0.15%	$15	Everyday APY.

Sources (1)

kemba.org/personal/learning/deposit-rates · captured Oct 16, 2026

IRA Savings

Up to 0.25%APYIRA

Individual Retirement Account savings.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceKEMBA Advantage APY.Any balance	0.25%	$25	KEMBA Advantage APY.
Any balanceEveryday APY.Any balance	0.15%	$15	Everyday APY.

Sources (2)

All captured Oct 16, 2026

Christmas Club

Up to 0.20%APYClubRequirements apply

Variable dividend rate account. Funds automatically become available each November 1 when moved to Primary Savings account.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Over $0KEMBA Advantage APY. Requires meeting monthly Advantage status qualifications.Over $0	0.20%	$20	KEMBA Advantage APY. Requires meeting monthly Advantage status qualifications.
Over $0Everyday APY for non-Advantage members.Over $0	0.10%	$10	Everyday APY for non-Advantage members.

Sources (3)

All captured Oct 16, 2026

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.

Check membership requirements ↗Branches and institution details

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