Kemba Credit Union’s Top CD Rates

Kemba Credit Union’s top CD rate is 1.250% APY. This rate is offered on the credit union’s 60-month CD with a minimum deposit of $500. The dividend rate for this CD is 1.242%. Early withdrawals can be penalized, which may impact your earnings.

You can also go with the 48-month CD as opposed to the 60-month CD. With this option, you get a 1.150% APY and a dividend rate of 1.143%, with a minimum deposit of $500. Do not withdraw your money early as it can be subject to penalty. Kemba Credit Union promises that investing in a CD lets you earn higher dividends than you would in a regular savings account.

If you’re looking for short-term options, Kemba Credit Union offers a 3-month plan with a rate of 0.400% APY and a dividend rate of 0.399%. You don’t need to pay any fees to open this account, simply have a minimum of $500 to deposit in your account. 

You can choose from eight different CDs, including short term-term and long-term ones. They start at three months, which are better for people looking to invest short term. They go up to 60-months which is good for people who have the financial means to invest for longer periods of time. The APY starts at 0.400% APY and goes up until 1.150% APY.


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 smoothly as possible.

Branches in Ohio

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

Bank Overview

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 have the ability to 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 their members.