Certificate of Deposit rates directly influences the returns individuals receive on their invested funds over a fixed period, reflecting the credit union’s competitiveness and stability. In this regard, the importance of Kemba Credit Union CD rates extends beyond mere numerical values. This embodies a key factor that shapes financial strategies.

Let’s find out the deeper analysis next;

Kemba Credit Union CD Rates Offers

The authenticity of the CD offers can be judged through the following offers;

6 Month Certificate

  • Min to Open/Obtain APY: $500
  • KEMBA Advantage APY: 5.00%
  • Everyday APY: 4.50%


This short-term option offers a competitive Advantage APY of 5.00%, making it an attractive choice for those seeking a quick turnaround on their investment.

Pros & Cons

Short-term commitmentLower APY compared to longer-term options
Quick access to invested fundsLimited potential for higher returns

12 Month Certificate

  • Min to Open/Obtain APY: $500
  • KEMBA Advantage APY: 5.00%
  • Everyday APY: 4.50%


This term provides a slightly longer investment horizon for those seeking a balance between a competitive rate and a reasonable timeframe, making it a versatile choice for short to mid-term financial planning.

Pros & Cons

Moderate term for investmentLonger commitment than the 6-month option
Competitive Advantage APYMay have lower APY compared to shorter terms

24 Month Rate Bump Certificate

  • Min to Open/Obtain APY: $500
  • KEMBA Advantage APY: 4.30%
  • Everyday APY: 3.80%


The 24-month Rate Bump Certificate offers flexibility with the ability to bump up the interest rate once during its term.

Pros & Cons

Rate bump flexibilityInitial APY is lower than shorter-term CDs
Suitable for anticipating rate hikesRequires a longer commitment than short-term

48 Month Certificate

  • Min to Open/Obtain APY: $500
  • KEMBA Advantage APY: 4.20%
  • Everyday APY: 3.70%


This option suits individuals looking for a stable and secure investment with a moderate risk profile, striking a balance between attractive returns and a more extended maturity period.

Pros & Cons

Competitive Advantage APYLonger commitment than shorter-term options
Provides stability and security

Are Kemba Credit Union CD Rates Competitive?

Kemba Credit Union’s CD rates exhibit a competitive edge in the financial landscape. The 6-month and 12-month certificates stand out with a noteworthy Advantage APY of 5.00%, appealing to those seeking short to mid-term commitments with attractive returns.

While the 24-month Rate Bump Certificate starts with a slightly lower APY of 4.30%, its unique feature of allowing a rate bump adds flexibility and adaptability to changing market conditions.

For individuals comfortable with longer-term commitments, the 48-month certificate offers a stable and secure option with a competitive Advantage APY of 4.20%.

Other than all this, Kemba Credit Union’s CD offerings present a range of terms catering to various investment preferences, and their competitive APYs make them a compelling choice for savers looking to optimize returns within a credit union framework.

Overview Kemba Credit Union

Kemba Credit Union aims to help you get the most out of your hard-earned savings. By investing in a fixed-rate CD, you’ll be able to earn a much higher dividend than you with a regular savings account. You don’t have to fear losing money, as Kemba Credit Union promises a fixed rate.

A CD can help you save for the future, whether you’re planning on buying a home or a car, or simply saving for a rainy day. If you’re interested in opening one, simply fill out a form on Kemba Credit Union’s website and one of their representatives will reach out to you to finish the process. 

Being a member of Kemba Credit Union means you’re ensured the best customer service, products, and technology that they have to offer. You also can check your account 24/7 via online banking. This feature allows you to keep track of your finances from wherever you are without having to ever set foot in a bank. 

Kemba Credit Union promises to provide quality service for all of its members. 


In order to open up a CD account you need to first have a checking or savings account with Kemba Credit Union. Make sure you have a copy of your credit report and any other information the credit union will require in order to make the process as smooth as possible.

Locations Kemba Credit Union 

Branches in Ohio

The branches in Ohio are:

Amelia, Blue Ash, Bridgetown, Kroger Building, West Chester, College Hill, Florence, Harrison, Peyton, Queensgate, and Springdale.

Frequently Asked Questions

Is the interest earned on Kemba CDs compounded?

Yes, Kemba Credit Union compounds interest on CDs, helping your investment grow over time.

Are there any special features for the 24-month Rate Bump Certificate?

Yes, the 24-month Rate Bump Certificate allows for a one-time rate bump during its term, providing flexibility if interest rates rise.

How often are Kemba CD interest rates updated?

CD interest rates at Kemba Credit Union are typically set at the time of account opening and remain fixed for the duration of the CD term.

What happens when a CD reaches maturity?

Upon maturity, you have the option to withdraw the funds, renew the CD, or transfer the funds to another account.

Are Kemba Credit Union CDs federally insured?

Yes, Kemba Credit Union CDs are federally insured by the National Credit Union Administration (NCUA) for up to $250,000 per depositor, providing a secure investment option.