# KEMBA Financial Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/kemba-financial-credit-union
Institution: Kemba Financial Credit Union (NCUA 61623)
Aliases: KEMBA Financial
Status: live
Last verified: 2026-10-23T02:10:17.000Z (October 22, 2026)
Official source: https://www.kemba.org/personal/saving/certificates-made-for-central-ohioans
Coverage: 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.
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 3 Month Certificate (KEMBA Advantage APY) | relationship | 3 months | $500 | 3.50% | Not ZIP-priced | −0.79% | 2026-10-23T02:10:17.000Z | [Snapshot 856](https://apyledger.com/snapshots/856) |
| 3 Month Certificate (Everyday APY) | standard | 3 months | $500 | 3.00% | Not ZIP-priced | −1.29% | 2026-10-23T02:10:17.000Z | [Snapshot 856](https://apyledger.com/snapshots/856) |
| 6 Month Certificate (KEMBA Advantage APY) | relationship | 6 months | $500 | 4.00% | Not ZIP-priced | −0.40% | 2026-10-23T02:10:17.000Z | [Snapshot 856](https://apyledger.com/snapshots/856) |
| 6 Month Certificate (Everyday APY) | standard | 6 months | $500 | 3.50% | Not ZIP-priced | −0.90% | 2026-10-23T02:10:17.000Z | [Snapshot 856](https://apyledger.com/snapshots/856) |
| 12 Month Certificate (KEMBA Advantage APY) | relationship | 12 months | $500 | 4.00% | Not ZIP-priced | −0.57% | 2026-10-23T02:10:17.000Z | [Snapshot 856](https://apyledger.com/snapshots/856) |
| 12 Month Certificate (Everyday APY) | standard | 12 months | $500 | 3.50% | Not ZIP-priced | −1.07% | 2026-10-23T02:10:17.000Z | [Snapshot 856](https://apyledger.com/snapshots/856) |
| 24 Month Certificate (KEMBA Advantage APY) | relationship | 24 months | $500 | 4.00% | Not ZIP-priced | −0.87% | 2026-10-23T02:10:17.000Z | [Snapshot 856](https://apyledger.com/snapshots/856) |
| 24 Month Rate Bump Certificate (KEMBA Advantage APY) | relationship | 24 months | $500 | 3.75% | Not ZIP-priced | −1.12% | 2026-10-23T02:10:17.000Z | [Snapshot 856](https://apyledger.com/snapshots/856) |
| 24 Month Certificate (Everyday APY) | standard | 24 months | $500 | 3.50% | Not ZIP-priced | −1.37% | 2026-10-23T02:10:17.000Z | [Snapshot 856](https://apyledger.com/snapshots/856) |
| 24 Month Rate Bump Certificate (Everyday APY) | standard | 24 months | $500 | 3.25% | Not ZIP-priced | −1.62% | 2026-10-23T02:10:17.000Z | [Snapshot 856](https://apyledger.com/snapshots/856) |
| 36 Month Certificate (KEMBA Advantage APY) | relationship | 36 months | $500 | 4.10% | Not ZIP-priced | −0.85% | 2026-10-23T02:10:17.000Z | [Snapshot 856](https://apyledger.com/snapshots/856) |
| 36 Month Certificate (Everyday APY) | standard | 36 months | $500 | 3.60% | Not ZIP-priced | −1.35% | 2026-10-23T02:10:17.000Z | [Snapshot 856](https://apyledger.com/snapshots/856) |
| 48 Month Certificate (KEMBA Advantage APY) | relationship | 48 months | $500 | 4.10% | Not ZIP-priced | −0.88% | 2026-10-23T02:10:17.000Z | [Snapshot 856](https://apyledger.com/snapshots/856) |
| 48 Month Certificate (Everyday APY) | standard | 48 months | $500 | 3.60% | Not ZIP-priced | −1.38% | 2026-10-23T02:10:17.000Z | [Snapshot 856](https://apyledger.com/snapshots/856) |
| 60 Month Certificate (KEMBA Advantage APY) | relationship | 60 months | $500 | 4.20% | Not ZIP-priced | −0.81% | 2026-10-23T02:10:17.000Z | [Snapshot 856](https://apyledger.com/snapshots/856) |
| 60 Month Certificate (Everyday APY) | standard | 60 months | $500 | 3.70% | Not ZIP-priced | −1.31% | 2026-10-23T02:10:17.000Z | [Snapshot 856](https://apyledger.com/snapshots/856) |
| 84 Month Certificate (KEMBA Advantage APY) | relationship | 84 months | $500 | 4.20% | Not ZIP-priced | −0.89% | 2026-10-23T02:10:17.000Z | [Snapshot 856](https://apyledger.com/snapshots/856) |
| 84 Month Certificate (Everyday APY) | standard | 84 months | $500 | 3.70% | Not ZIP-priced | −1.39% | 2026-10-23T02:10:17.000Z | [Snapshot 856](https://apyledger.com/snapshots/856) |

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.