# KEMBA Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/kemba-credit-union
Institution: Kemba Credit Union (NCUA 61810)
Aliases: 
Status: live
Last verified: 2026-10-22T16:23:08.000Z (October 22, 2026)
Official source: https://www.kemba.com/tools/rates.html
Coverage: Membership required. Share certificates from 3 to 60 months plus 19- and 40-month specials. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate | standard | 3 months | $500 | 3.95% | Not ZIP-priced | −0.34% | 2026-10-22T16:23:08.000Z | [Snapshot 368](https://apyledger.com/snapshots/368) |
| Certificate | standard | 6 months | $500 | 4.00% | Not ZIP-priced | −0.40% | 2026-10-22T16:23:08.000Z | [Snapshot 368](https://apyledger.com/snapshots/368) |
| Certificate | standard | 12 months | $500 | 4.05% | Not ZIP-priced | −0.52% | 2026-10-22T16:23:08.000Z | [Snapshot 368](https://apyledger.com/snapshots/368) |
| Certificate | standard | 18 months | $500 | 4.05% | Not ZIP-priced | −0.67% | 2026-10-22T16:23:08.000Z | [Snapshot 368](https://apyledger.com/snapshots/368) |
| Certificate Special | promotional | 19 months | $500 | 4.25% | Not ZIP-priced | −0.49% | 2026-10-22T16:23:08.000Z | [Snapshot 368](https://apyledger.com/snapshots/368) |
| Certificate | standard | 24 months | $500 | 4.10% | Not ZIP-priced | −0.77% | 2026-10-22T16:23:08.000Z | [Snapshot 368](https://apyledger.com/snapshots/368) |
| Certificate | standard | 30 months | $500 | 4.10% | Not ZIP-priced | −0.81% | 2026-10-22T16:23:08.000Z | [Snapshot 368](https://apyledger.com/snapshots/368) |
| Certificate | standard | 36 months | $500 | 4.15% | Not ZIP-priced | −0.80% | 2026-10-22T16:23:08.000Z | [Snapshot 368](https://apyledger.com/snapshots/368) |
| Certificate Special | promotional | 40 months | $500 | 4.35% | Not ZIP-priced | −0.61% | 2026-10-22T16:23:08.000Z | [Snapshot 368](https://apyledger.com/snapshots/368) |
| Certificate | standard | 48 months | $500 | 4.20% | Not ZIP-priced | −0.78% | 2026-10-22T16:23:08.000Z | [Snapshot 368](https://apyledger.com/snapshots/368) |
| Certificate | standard | 60 months | $500 | 4.25% | Not ZIP-priced | −0.76% | 2026-10-22T16:23:08.000Z | [Snapshot 368](https://apyledger.com/snapshots/368) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.