KEMBA Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, KEMBA Credit Union's highest tracked CD (share certificate) rate is 4.35% APY on a 40-month promotional CD ($500 minimum). That is 3.1 times the FDIC national average for 36-month CDs (1.39%). Standard CD rates range from 3.95% to 4.25% APY.
Tracking began .
KEMBA Credit Union CD & share certificate rates
Membership required. Share certificates from 3 to 60 months plus 19- and 40-month specials. Early withdrawal penalties may apply.
| Term | Product | APY |
|---|---|---|
| 3 months | Certificate | 3.95%Top 8% · $10k reference sampleVerified October 22, 2026 |
| 6 months | Certificate | 4.00%Top 23% · $10k reference sampleVerified October 22, 2026 |
| 12 months | Certificate | 4.05%Top 24% · $10k reference sampleVerified October 22, 2026 |
| 18 months | Certificate | 4.05%Top 26% · $10k reference sampleVerified October 22, 2026 |
| 19 months | Certificate Special Promotional | 4.25%Verified October 22, 2026 |
| 24 months | Certificate | 4.10%Top 21% · $10k reference sampleVerified October 22, 2026 |
| 30 months | Certificate | 4.10%Verified October 22, 2026 |
| 36 months | Certificate | 4.15%Top 14% · $10k reference sampleVerified October 22, 2026 |
| 40 months | Certificate Special Promotional | 4.35%Verified October 22, 2026 |
| 48 months | Certificate | 4.20%Top 14% · $10k reference sampleVerified October 22, 2026 |
| 60 months | Certificate | 4.25%Top 16% · $10k reference sampleVerified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 4.35% APY (40 months). The standard rate for a similar term is 4.15% APY (36 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $20 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are KEMBA Credit Union's best CD rates by term?
KEMBA Credit Union's best rate is 4.35% APY on 40 months, verified October 22, 2026.
- 3 mo3.95%
- 6 mo4.00%
- 12 mo4.05%
- 18 mo4.05%
- 19 mo4.25%
- 24 mo4.10%
- 30 mo4.10%
- 36 mo4.15%
- 40 mo4.35%
- 48 mo4.20%
- 60 mo4.25%
How much interest could a KEMBA Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$1,525.46 interest · $11,525.46 at maturity on $10,000.00.
4.35% APY · 40 months · Certificate Special · Promotional · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $48.533.95% APY · Certificate · Standard | $97.053.95% APY · Certificate · Standard | $242.633.95% APY · Certificate · Standard | $485.263.95% APY · Certificate · Standard |
| 6 months | $99.294.00% APY · Certificate · Standard | $198.594.00% APY · Certificate · Standard | $496.474.00% APY · Certificate · Standard | $992.934.00% APY · Certificate · Standard |
| 12 months | $202.504.05% APY · Certificate · Standard | $405.004.05% APY · Certificate · Standard | $1,012.504.05% APY · Certificate · Standard | $2,025.004.05% APY · Certificate · Standard |
| 18 months | $307.094.05% APY · Certificate · Standard | $614.194.05% APY · Certificate · Standard | $1,535.474.05% APY · Certificate · Standard | $3,070.944.05% APY · Certificate · Standard |
| 19 months | $340.664.25% APY · Certificate Special · Promotional | $681.314.25% APY · Certificate Special · Promotional | $1,703.284.25% APY · Certificate Special · Promotional | $3,406.564.25% APY · Certificate Special · Promotional |
| 24 months | $418.404.10% APY · Certificate · Standard | $836.814.10% APY · Certificate · Standard | $2,092.024.10% APY · Certificate · Standard | $4,184.054.10% APY · Certificate · Standard |
| 30 months | $528.674.10% APY · Certificate · Standard | $1,057.344.10% APY · Certificate · Standard | $2,643.354.10% APY · Certificate · Standard | $5,286.714.10% APY · Certificate · Standard |
| 36 months | $648.694.15% APY · Certificate · Standard | $1,297.384.15% APY · Certificate · Standard | $3,243.464.15% APY · Certificate · Standard | $6,486.914.15% APY · Certificate · Standard |
| 40 months | $762.734.35% APY · Certificate Special · Promotional | $1,525.464.35% APY · Certificate Special · Promotional | $3,813.664.35% APY · Certificate Special · Promotional | $7,627.324.35% APY · Certificate Special · Promotional |
| 48 months | $894.424.20% APY · Certificate · Standard | $1,788.834.20% APY · Certificate · Standard | $4,472.094.20% APY · Certificate · Standard | $8,944.174.20% APY · Certificate · Standard |
| 60 months | $1,156.734.25% APY · Certificate · Standard | $2,313.474.25% APY · Certificate · Standard | $5,783.674.25% APY · Certificate · Standard | $11,567.334.25% APY · Certificate · Standard |
How KEMBA Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 1217-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| KEMBA Credit Union (this institution) (highest tracked APY for this term)Certificate Special · Promotional | 40 months | $500 | Coverage: IN, KY, OH | 4.35% | October 22, 2026 |
| Treasury (APY-equivalent) | 40 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.96% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking KEMBA Credit Union on October 22, 2026.
About KEMBA Credit Union
- Legal name
- Kemba Credit Union
- Regulator ID
- NCUA 61810
- Headquarters
- West Chester, OH
- Available in
- IN, KY, OH
- Total assets
- $1.7 billion
- Also known as
- Website
- www.kemba.com
Source: rates read from https://www.kemba.com/tools/rates.html. See the page text we read.
Frequently asked questions
What is the highest CD rate at KEMBA Credit Union?
Among the rates we track, 4.35% APY on a 40-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a KEMBA Credit Union CD?
The lowest minimum we found is $500.
How does KEMBA Credit Union's best CD rate compare with Treasury yields?
4.35% APY is −0.61% versus the 40-month Treasury yield of 4.96% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.35% a good CD rate?
It is 3.1 times the FDIC national average for a similar term (1.39% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are KEMBA Credit Union CDs insured?
KEMBA Credit Union is a federally insured credit union (NCUA 61810). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at KEMBA Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check KEMBA Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from KEMBA Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with KEMBA Credit Union before opening an account. This page is not financial advice.