Credit union · Privately insured
KEMBA Indianapolis Credit Union CD Rates
KEMBA Indianapolis Credit Union’s best CD rate is 3.25% APY on a 3-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How KEMBA Indianapolis Credit Union’s CD rates compare
Compared with banks and credit unions near Indianapolis, IN, where KEMBA Indianapolis Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
KEMBA Indianapolis Credit Union
3.25%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $161
Share Certificate
Top rate
IU Credit Union
4.50%APY
- Term
- 6 months
- Minimum
- $2,000
- Earns on $10,000
- $223
2nd-highest rate
Elements Financial
4.50%APY
- Term
- 8 months
- Minimum
- $1,000
- Earns on $10,000
- $298
KEMBA Indianapolis Credit Union CD score
71
CD score
Higher than 28% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo3.25%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo3.25%
- QualifiedQualified3.25%
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 Indianapolis Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Investment Certificate
3.25%APY · 3 terms
Certificates require a $500 minimum deposit. Early withdrawal penalty calculation for Investment Certificates is substantially higher than regular certificate penalty calculation.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 months | 3.25% | $1,007 |
| 48 months | 3.25% | $1,365 |
| 60 months | 3.25% | $1,734 |
Sources (2)
All captured Oct 15, 2026
Share Certificate
Up to 3.25%APY · 9 terms
Certificates require a $500 minimum deposit unless otherwise specified. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.75% | $19 |
| 6 months | 3.25% | $161 |
| 12 months | 3.25% | $325 |
| 18 months | 2.50% | $377 |
| 24 months | 3.00% | $609 |
| 30 months | 2.00% | $508 |
| 36 months | 3.15% | $975 |
| 48 months | 3.00% | $1,255 |
| 60 months | 2.76% | $1,458 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
18th Birthday Certificate
5.50%APY
The primary account owner must be between the ages of 8 and 18. The certificate automatically matures on the child's 18th Birthday. Certificate must remain on deposit the full term to earn any dividends. Maximum deposit amount of $1,000.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Primary account owner must be between ages 8 and 18; term varies and automatically matures on the child's 18th birthday; must remain on deposit full term to earn dividends; maximum deposit $1,000.Up to $1,000 | 5.50% | — | Primary account owner must be between ages 8 and 18; term varies and automatically matures on the child's 18th birthday; must remain on deposit full term to earn dividends; maximum deposit $1,000. |
Sources (1)
- mykemba.org/wp-content/uploads…apolis-Deposit-Rates.pdf · captured Oct 15, 2026
IRA Certificate
Up to 3.25%APY · 9 terms
Certificates (share or IRA) require a $500 minimum deposit. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.75% | $19 |
| 6 months | 3.25% | $161 |
| 12 months | 3.25% | $325 |
| 18 months | 2.50% | $377 |
| 24 months | 3.00% | $609 |
| 30 months | 2.00% | $508 |
| 36 months | 3.15% | $975 |
| 48 months | 3.00% | $1,255 |
| 60 months | 2.76% | $1,458 |
Sources (2)
All captured Oct 15, 2026
IRA Investment Certificate
3.25%APY · 3 terms
Certificates (share or IRA) require a $500 minimum deposit. Early withdrawal penalty calculation for Investment Certificates is substantially higher than regular certificate penalty calculation.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 months | 3.25% | $1,007 |
| 48 months | 3.25% | $1,365 |
| 60 months | 3.25% | $1,734 |
Sources (2)
All captured Oct 15, 2026
Who can join KEMBA Indianapolis Credit Union
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