Credit union · Privately insured
KH Credit Union CD Rates
Top CarrotKH Credit Union’s best CD rate is 4.00% APY on a 4-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How KH Credit Union’s CD rates compare
Compared with banks and credit unions near Dayton, OH, where KH Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
KH Credit Union
3.90%APY
- Term
- 48 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,654
Share Certificates
Top rate
Bridge Credit Union
4.40%APY
- Term
- 15 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $553
2nd-highest rate
Treadwell Credit Union
4.30%APY
- Term
- 18 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $652
KH Credit Union CD score
85
CD score
Higher than 71% of U.S. banks and credit unions
- 3–8 months3–8 mo3.79%
- 9–15 months9–15 mo3.79%
- 16–30 months16–30 mo3.79%
- 31–60 months31–60 mo3.90%
- QualifiedQualified3.90%
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 KH 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.
Share Certificates
Up to 3.90%APY · 6 terms
Minimum deposit is $500.00. Early withdrawal penalty: 90 days interest for maturities up to and including 12 months; 365 days interest for maturities greater than 12 months. Insured up to $250,000 by American Share Insurance.
| Term | APY · Any balance | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 3.79% | — | 3.79% | $188 |
| 6 monthsJumbo rate ($50,000+) | — | 3.90% | —3.90% from $50k | — |
| 12 months | 3.79% | — | 3.79% | $379 |
| 12 monthsJumbo rate ($50,000+) | — | 3.90% | —3.90% from $50k | — |
| 24 months | 3.79% | — | 3.79% | $772 |
| 24 monthsJumbo rate ($50,000+) | — | 3.90% | —3.90% from $50k | — |
| 36 months | 3.85% | — | 3.85% | $1,200 |
| 36 monthsJumbo rate ($50,000+) | — | 3.95% | —3.95% from $50k | — |
| 48 months | 3.90% | — | 3.90% | $1,654 |
| 48 monthsJumbo rate ($50,000+) | — | 4.00% | —4.00% from $50k | — |
| 60 months | 3.90% | — | 3.90% | $2,108 |
| 60 monthsJumbo rate ($50,000+) | — | 4.00% | —4.00% from $50k | — |
Special-purpose accounts
IRA Share Certificates
Up to 3.90%APY · 5 terms
Traditional and Roth IRAs offered. Minimum deposit is $500.00. Early withdrawal penalty: 90 days interest for maturities up to and including 12 months; 365 days interest for maturities greater than 12 months. Insured up to $250,000 by American Share Insurance.
| Term | APY · Any balance | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 months | 3.79% | — | 3.79% | $379 |
| 12 monthsJumbo rate ($50,000+) | — | 3.90% | —3.90% from $50k | — |
| 24 months | 3.79% | — | 3.79% | $772 |
| 24 monthsJumbo rate ($50,000+) | — | 3.90% | —3.90% from $50k | — |
| 36 months | 3.85% | — | 3.85% | $1,200 |
| 36 monthsJumbo rate ($50,000+) | — | 3.95% | —3.95% from $50k | — |
| 48 months | 3.90% | — | 3.90% | $1,654 |
| 48 monthsJumbo rate ($50,000+) | — | 4.00% | —4.00% from $50k | — |
| 60 months | 3.90% | — | 3.90% | $2,108 |
| 60 monthsJumbo rate ($50,000+) | — | 4.00% | —4.00% from $50k | — |
Who can join KH Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to employees of contractors and vendors of Kettering Health.
- Membership is open to physicians and staff of Kettering Health ACO.
- Membership is open to employees of Kettering Health Affiliates.
- Membership is open to employees, physicians, residents, and volunteers of Kettering Health.
- Membership is open to physicians and staff of Kettering Physicians Partners.
- Membership is open to pastors and staff within the Ohio Conference of Seventh-Day Adventists.
4 more ways to join
Employers and groups
- Membership is open to Kettering Affiliated Health Services, DBA Kettering Health Senior Living.
- Membership is open to members of Kettering Health Years Ahead.
Military, government and schools
- Membership is open to employees and students of Kettering College.
Family and household
- Credit Union members in good standing may sponsor immediate family members (spouse, father, mother, brother, sister, son, daughter, grandmother, grandfather, grandchildren, parents-in-law, step-parents, step-children, and step-sibling) for membership.
Membership information collected October 5, 2026.