Credit union · NCUA insured
Kemba Roanoke FCU CD Rates
Kemba Roanoke FCU’s best CD rate is 1.10% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Kemba Roanoke FCU’s CD rates compare
Compared with banks and credit unions near Roanoke, VA, where Kemba Roanoke FCU has the most branches. $10,000, best rate first.
This credit union’s best
Kemba Roanoke FCU
1.10%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $562
Share Certificates
Top rate
Freedom First
4.65%APY
- Term
- 13 months
- Minimum
- $5,000
- Earns on $10,000
- $505
2nd-highest rate
Beacon Credit Union
4.35%APY
- Term
- 6 months
- Minimum
- $2,500
- Earns on $10,000
- $215
Kemba Roanoke FCU CD score
61
CD score
Higher than 4% of U.S. banks and credit unions
- 3–8 months3–8 mo0.55%
- 9–15 months9–15 mo0.70%
- 16–30 months16–30 mo0.80%
- 31–60 months31–60 mo1.10%
- QualifiedQualified1.10%
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 Roanoke FCU 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.
Share Certificates
Up to 1.10%APY · 6 terms
Additional Deposits not allowed. Withdrawals allowed. Dividends compounded and credited monthly. Penalties may apply for early withdrawal. Rates subject to change without notice. Minimum deposit required to earn dividends varies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.55% | $27 |
| 12 months | 0.70% | $70 |
| 24 months | 0.80% | $161 |
| 36 months | 0.90% | $272 |
| 48 months | 1.00% | $406 |
| 60 months | 1.10% | $562 |
Sources (1)
- kembafcu.org/savings-rates-1 · captured Sep 19, 2026
Special-purpose accounts
IRA Certificates
Up to 1.10%APY · 4 terms
Additional Deposits not allowed. Withdrawals allowed. Dividends compounded and credited monthly. Penalties may apply for early withdrawal. Rates subject to change without notice. Minimum deposit required to earn dividends varies. Traditional and Roth IRA options available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 months | 0.80% | $161 |
| 36 months | 0.90% | $272 |
| 48 months | 1.00% | $406 |
| 60 months | 1.10% | $562 |
Who can join Kemba Roanoke FCU
This may be incomplete or out of date, so check with the credit union before you apply.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 in the state of Virginia can join KEMBA through the Virginia Consumer Council at no cost.
Employers and groups
- Individuals who are currently employed, retired, members, or volunteers at one of the listed Select Employee Groups are eligible for membership.
Family and household
- Individuals related to or living in the same household as an existing member, or related to an employee, retired employee, or volunteer of a Select Employee Group, are eligible for membership.
Membership information collected October 4, 2026.