Credit union · NCUA insured
KEMBA Louisville Credit Union CD Rates
KEMBA Louisville Credit Union’s best CD rate is 3.82% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How KEMBA Louisville Credit Union’s CD rates compare
Compared with banks and credit unions near Louisville/Jefferson County, KY-IN, where KEMBA Louisville Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
KEMBA Louisville Credit Union
3.82%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $382
Certificates
Top rate
Commonwealth Credit Union
5.00%APY
- Term
- 24 months
- Minimum
- $5
- Earns on $10,000
- $1,025
2nd-highest rate
Lincoln National Bank
4.65%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $505
KEMBA Louisville Credit Union CD score
83
CD score
Higher than 61% of U.S. banks and credit unions
- 3–8 months3–8 mo3.55%
- 9–15 months9–15 mo3.82%
- 16–30 months16–30 mo3.46%
- 31–60 months31–60 mo3.82%
- QualifiedQualified3.82%
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 Louisville 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.
Certificates
Up to 3.82%APY · 9 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.02% | $51 |
| 6 months | 3.55% | $176 |
| 12 months | 3.82% | $382 |
| 18 months | 3.03% | $459 |
| 24 months | 3.46% | $704 |
| 30 months | 3.14% | $803 |
| 36 months | 3.56% | $1,106 |
| 48 months | 3.67% | $1,551 |
| 60 months | 3.82% | $2,062 |
Sources (3)
All captured Sep 19, 2026
Special-purpose accounts
IRA Certificates
Up to 3.46%APY · 3 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months | 3.03% | $459 |
| 24 months | 3.46% | $704 |
| 30 months | 3.14% | $803 |
Sources (3)
All captured Sep 19, 2026
Who can join KEMBA Louisville Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Family and household
- Family members of Kroger Plus Card Cardholders in the Kroger Louisville Marketing Division are eligible for membership.
Other ways
- Kroger Plus Card Cardholders in the Kroger Louisville Marketing Division are eligible for membership.
Membership information collected October 4, 2026.