Credit union · NCUA insured
Kemba Roanoke FCU Savings Rates
Kemba Roanoke FCU’s best savings rate is 0.10% APY on $10,000, with its Money Market Savings Account. Rates checked October 22, 2026.
How Kemba Roanoke FCU’s savings 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
0.10%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $10
Money Market Savings Account
Top rate
Beacon Credit Union
4.00%APY
- Minimum
- $100
- Earns on $10,000 a year
- $400
2nd-highest rate
Freedom First
3.25%APY
- Minimum
- $5,000
- Earns on $10,000 a year
- $325
Kemba Roanoke FCU savings score
64
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.30%
- QualifiedQualified0.10%
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 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 Savings Account
0.10%APY
Requires credit union membership including purchase and maintenance of minimum required membership share. Minimum balance to open and maintain account is $2,500.00.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $49,999Tier 1 ($2,500 - $49,999). Minimum balance to avoid service fee is $2,500. Dividends compounded and credited monthly. | 0.10% | $10 | Tier 1 ($2,500 - $49,999). Minimum balance to avoid service fee is $2,500. Dividends compounded and credited monthly. |
| $50,000 – $99,999Tier 2 ($50,000 - $99,999). Minimum balance to avoid service fee is $2,500. Dividends compounded and credited monthly. | 0.20% | — | Tier 2 ($50,000 - $99,999). Minimum balance to avoid service fee is $2,500. Dividends compounded and credited monthly. |
| $100,000 and upTier 3 ($100,000 and Up). Minimum balance to avoid service fee is $2,500. Dividends compounded and credited monthly. | 0.30% | — | Tier 3 ($100,000 and Up). Minimum balance to avoid service fee is $2,500. Dividends compounded and credited monthly. |
Share (Savings) Account
0.05%APY
Automatically provided upon joining KEMBA. No minimum balance required to maintain account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited monthly. Minimum deposit required to earn dividends varies.Any balance | 0.05% | $5 | Dividends compounded and credited monthly. Minimum deposit required to earn dividends varies. |
Special-purpose accounts
Christmas Club Savings Account
0.05%APY
Funds are transferred to share account on October 1. Early withdrawal fees apply. Can be set up for automatic monthly transfers from share account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited monthly. Minimum deposit required to earn dividends varies. Dividend period runs October 1 through September 30.Any balance | 0.05% | $5 | Dividends compounded and credited monthly. Minimum deposit required to earn dividends varies. Dividend period runs October 1 through September 30. |
Sources (3)
All captured Sep 19, 2026
Vacation Club Savings Account
0.05%APY
Funds are transferred to share account on June 1. Early withdrawal fees apply. Can be set up for automatic monthly transfers from share account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited monthly. Minimum deposit required to earn dividends varies.Any balance | 0.05% | $5 | Dividends compounded and credited monthly. Minimum deposit required to earn dividends varies. |
Sources (3)
All captured Sep 19, 2026
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.