KEMBA Financial Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, KEMBA Financial Credit Union's highest tracked CD (share certificate) rate is 4.20% APY on a 60-month relationship CD ($500 minimum). That is 3.0 times the FDIC national average for 60-month CDs (1.41%). Standard CD rates range from 3.00% to 3.70% APY.
Tracking began .
With $10,000 and no relationship requirement: 3.70% on 60 months
KEMBA Financial Credit Union CD & share certificate rates
Membership required. Certificates from 3 to 84 months ($500 minimum), including a 24-month Rate Bump certificate, quoted at an Everyday APY and a higher KEMBA Advantage APY for members who meet the Advantage requirements. Early withdrawal penalties apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | 3 Month Certificate (KEMBA Advantage APY) Relationship | $500 | 3.50% | −0.79% | Top 26% of tracked 3-month CDs · Verified October 22, 2026 |
| 3 months | 3 Month Certificate (Everyday APY) | $500 | 3.00% | −1.29% | Top 48% of tracked 3-month CDs · Verified October 22, 2026 |
| 6 months | 6 Month Certificate (KEMBA Advantage APY) Relationship | $500 | 4.00% | −0.40% | Top 19% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | 6 Month Certificate (Everyday APY) | $500 | 3.50% | −0.90% | Top 47% of tracked 6-month CDs · Verified October 22, 2026 |
| 12 months | 12 Month Certificate (KEMBA Advantage APY) Relationship | $500 | 4.00% | −0.57% | Top 27% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | 12 Month Certificate (Everyday APY) | $500 | 3.50% | −1.07% | Top 57% of tracked 12-month CDs · Verified October 22, 2026 |
| 24 months | 24 Month Certificate (KEMBA Advantage APY) Relationship | $500 | 4.00% | −0.87% | Top 25% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | 24 Month Rate Bump Certificate (KEMBA Advantage APY) Relationship | $500 | 3.75% | −1.12% | Top 37% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | 24 Month Certificate (Everyday APY) | $500 | 3.50% | −1.37% | Top 50% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | 24 Month Rate Bump Certificate (Everyday APY) | $500 | 3.25% | −1.62% | Top 56% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | 36 Month Certificate (KEMBA Advantage APY) Relationship | $500 | 4.10% | −0.85% | Top 14% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | 36 Month Certificate (Everyday APY) | $500 | 3.60% | −1.35% | Top 34% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | 48 Month Certificate (KEMBA Advantage APY) Relationship | $500 | 4.10% | −0.88% | Top 13% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | 48 Month Certificate (Everyday APY) | $500 | 3.60% | −1.38% | Top 29% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | 60 Month Certificate (KEMBA Advantage APY) Relationship | $500 | 4.20% | −0.81% | Top 14% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | 60 Month Certificate (Everyday APY) | $500 | 3.70% | −1.31% | Top 31% of tracked 60-month CDs · Verified October 22, 2026 |
| 84 months | 84 Month Certificate (KEMBA Advantage APY) Relationship | $500 | 4.20% | −0.89% | Verified October 22, 2026 |
| 84 months | 84 Month Certificate (Everyday APY) | $500 | 3.70% | −1.39% | Verified 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.
What are KEMBA Financial Credit Union's best CD rates by term?
KEMBA Financial Credit Union's best rate is 4.20% APY on 60 months, verified October 22, 2026.
- 3 mo3.50%
- 6 mo4.00%
- 12 mo4.00%
- 24 mo4.00%
- 36 mo4.10%
- 48 mo4.10%
- 60 mo4.20%
- 84 mo4.20%
How much interest could a KEMBA Financial 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.
$2,283.97 interest · $12,283.97 at maturity on $10,000.00.
4.20% APY · 60 months · 60 Month Certificate (KEMBA Advantage APY) · Relationship · 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 | $43.073.50% APY · 3 Month Certificate (KEMBA Advantage APY) · Relationship | $86.143.50% APY · 3 Month Certificate (KEMBA Advantage APY) · Relationship | $215.343.50% APY · 3 Month Certificate (KEMBA Advantage APY) · Relationship | $430.683.50% APY · 3 Month Certificate (KEMBA Advantage APY) · Relationship |
| 6 months | $99.294.00% APY · 6 Month Certificate (KEMBA Advantage APY) · Relationship | $198.594.00% APY · 6 Month Certificate (KEMBA Advantage APY) · Relationship | $496.474.00% APY · 6 Month Certificate (KEMBA Advantage APY) · Relationship | $992.934.00% APY · 6 Month Certificate (KEMBA Advantage APY) · Relationship |
| 12 months | $200.004.00% APY · 12 Month Certificate (KEMBA Advantage APY) · Relationship | $400.004.00% APY · 12 Month Certificate (KEMBA Advantage APY) · Relationship | $1,000.004.00% APY · 12 Month Certificate (KEMBA Advantage APY) · Relationship | $2,000.004.00% APY · 12 Month Certificate (KEMBA Advantage APY) · Relationship |
| 24 months | $408.004.00% APY · 24 Month Certificate (KEMBA Advantage APY) · Relationship | $816.004.00% APY · 24 Month Certificate (KEMBA Advantage APY) · Relationship | $2,040.004.00% APY · 24 Month Certificate (KEMBA Advantage APY) · Relationship | $4,080.004.00% APY · 24 Month Certificate (KEMBA Advantage APY) · Relationship |
| 36 months | $640.564.10% APY · 36 Month Certificate (KEMBA Advantage APY) · Relationship | $1,281.124.10% APY · 36 Month Certificate (KEMBA Advantage APY) · Relationship | $3,202.804.10% APY · 36 Month Certificate (KEMBA Advantage APY) · Relationship | $6,405.604.10% APY · 36 Month Certificate (KEMBA Advantage APY) · Relationship |
| 48 months | $871.824.10% APY · 48 Month Certificate (KEMBA Advantage APY) · Relationship | $1,743.654.10% APY · 48 Month Certificate (KEMBA Advantage APY) · Relationship | $4,359.114.10% APY · 48 Month Certificate (KEMBA Advantage APY) · Relationship | $8,718.234.10% APY · 48 Month Certificate (KEMBA Advantage APY) · Relationship |
| 60 months | $1,141.984.20% APY · 60 Month Certificate (KEMBA Advantage APY) · Relationship | $2,283.974.20% APY · 60 Month Certificate (KEMBA Advantage APY) · Relationship | $5,709.914.20% APY · 60 Month Certificate (KEMBA Advantage APY) · Relationship | $11,419.834.20% APY · 60 Month Certificate (KEMBA Advantage APY) · Relationship |
| 84 months | $1,668.744.20% APY · 84 Month Certificate (KEMBA Advantage APY) · Relationship | $3,337.494.20% APY · 84 Month Certificate (KEMBA Advantage APY) · Relationship | $8,343.724.20% APY · 84 Month Certificate (KEMBA Advantage APY) · Relationship | $16,687.444.20% APY · 84 Month Certificate (KEMBA Advantage APY) · Relationship |
How KEMBA Financial 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 1825-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 51 of 367 tracked institutions with fresh 1825-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| KEMBA Financial Credit Union (this institution)60 Month Certificate (KEMBA Advantage APY) · Relationship | 60 months | $500 | Membership required · branches in OH | 4.20% | October 22, 2026 |
| Popular DirectCD · Standard | 60 months | $10,000 | Available nationwide | 5.00% | October 22, 2026 |
| Seven Seventeen Credit UnionJumbo Certificate · Promotional | 60 months | $250,000 | Membership required · branches in OH | 5.00% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 60 months | Not stated | Available nationwide | 4.80% | October 22, 2026 |
| Tower Federal Credit Union (highest tracked APY for this term)Mini-Jumbo Share Certificate · Standard | 60 months | $20,000 | Membership required · branches in MD | 5.05% | October 22, 2026 |
| Treasury (APY-equivalent) | 60 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 5.01% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking KEMBA Financial Credit Union on October 22, 2026.
About KEMBA Financial Credit Union
- Legal name
- Kemba Financial Credit Union
- Regulator ID
- NCUA 61623
- Headquarters
- Gahanna, OH
- Available in
- OH
- Total assets
- $2.5 billion
- Also known as
- KEMBA Financial
- Website
- www.kemba.org
Source: rates read from https://www.kemba.org/personal/saving/certificates-made-for-central-ohioans. See the page text we read.
Frequently asked questions
What is the highest CD rate at KEMBA Financial Credit Union?
Among the rates we track, 4.20% APY on a 60-month relationship CD, as of October 22, 2026.
What is the minimum deposit for a KEMBA Financial Credit Union CD?
The lowest minimum we found is $500.
How does KEMBA Financial Credit Union's best CD rate compare with Treasury yields?
4.20% APY is −0.81% versus the 60-month Treasury yield of 5.01% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.20% a good CD rate?
It is 3.0 times the FDIC national average for a similar term (1.41% 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 Financial Credit Union CDs insured?
KEMBA Financial Credit Union is a federally insured credit union (NCUA 61623). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at KEMBA Financial 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 Financial 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 Financial Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with KEMBA Financial Credit Union before opening an account. This page is not financial advice.