Credit union · Privately insured
KEMBA Indianapolis Credit Union Savings Rates
KEMBA Indianapolis Credit Union’s best savings rate is 1.25% APY on $10,000, with its Money Market. Rates checked October 15, 2026.
How KEMBA Indianapolis Credit Union’s savings 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
1.25%APY
- Minimum
- —
- Earns on $10,000 a year
- $125
Money Market
Top rate
CFBank
4.25%APY
- Minimum
- —
- Earns on $10,000 a year
- $425
2nd-highest rate
Northwest Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
KEMBA Indianapolis Credit Union savings score
87
Savings score
Higher than 76% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0001.25%
- $100,000 balance$100,0002.00%
- QualifiedQualified1.25%
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 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.
Money Market
1.25%APY
Tiered dividends starting with deposits of $2,500 or more. Up to six withdrawals per calendar month, with three of those withdrawals by check; excessive withdrawal fee applies for more than six withdrawals.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,499 | 0.00% | — |
| $2,500 – $9,999 | 0.75% | — |
| $10,000 – $49,999 | 1.25% | $125 |
| $50,000 – $99,999 | 1.75% | — |
| $100,000 and up | 2.00% | — |
Sources (2)
All captured Sep 18, 2026
Super Saver
0.40%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $4,999Requires a $50 min. daily balance to earn dividends. | 0.20% | — | Requires a $50 min. daily balance to earn dividends. |
| $5,000 – $9,999 | 0.30% | — | |
| $10,000 – $24,999 | 0.40% | $40 | |
| $25,000 – $49,999 | 0.50% | — | |
| $50,000 – $99,999 | 1.00% | — | |
| $100,000 and up | 1.25% | — |
Sources (1)
- mykemba.org/wp-content/uploads…apolis-Deposit-Rates.pdf · captured Oct 15, 2026
Membership Savings Account
0.05%APY
All KEMBA members have this account; represents ownership share in KEMBA. Minimum balance of $5 is required. Balances of $50 or more earn monthly dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upRequires a $50 minimum daily balance to earn dividends. Minimum balance of $5 required to open/maintain account.$50 and up | 0.05% | $5 | Requires a $50 minimum daily balance to earn dividends. Minimum balance of $5 required to open/maintain account. |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA Club
0.75%APY
Traditional IRA, Roth IRA, and Education Savings Accounts options available.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $4,999Requires a $50 min. daily balance to earn dividends. | 0.50% | — | Requires a $50 min. daily balance to earn dividends. |
| $5,000 – $24,999 | 0.75% | $75 | |
| $25,000 and up | 1.00% | — |
Sources (2)
All captured Sep 18, 2026
Special Club
0.20%APY
Withdraw up to two times per year without penalty; early withdrawals beyond that may result in a fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upRequires a $50 minimum daily balance to earn dividends. Up to two withdrawals per year without penalty.$50 and up | 0.20% | $20 | Requires a $50 minimum daily balance to earn dividends. Up to two withdrawals per year without penalty. |
Sources (2)
All captured Oct 15, 2026
Holiday Club
0.15%APY
Build savings a little at a time; automatically transfers funds to checking or savings account at the end of September. Early withdrawals made before the club distribution date are subject to a $15 fee. Balances of $50 or more earn monthly dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upRequires a $50 minimum daily balance to earn dividends. Automatically transfers funds at end of September. Early withdrawal subject to $15 fee.$50 and up | 0.15% | $15 | Requires a $50 minimum daily balance to earn dividends. Automatically transfers funds at end of September. Early withdrawal subject to $15 fee. |
Sources (2)
All captured Oct 15, 2026
Vacation Club
0.15%APY
Withdraw funds up to 4 times per calendar year. Excessive withdrawals are subject to a $15 fee. Balances of $50 or more earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upRequires a $50 minimum daily balance to earn dividends. Withdraw up to 4 times per calendar year without penalty; excessive withdrawals subject to $15 fee.$50 and up | 0.15% | $15 | Requires a $50 minimum daily balance to earn dividends. Withdraw up to 4 times per calendar year without penalty; excessive withdrawals subject to $15 fee. |
Sources (2)
All captured Oct 15, 2026
Who can join KEMBA Indianapolis Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.