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Source: https://www.kemba.com/tools/rates.html
Read: 2026-10-22T16:23:08.000Z

Rates | Kemba CU | Cincinnati, OH - West Chester, OH - Florence, KY - Bluffton, IN - Richmond, IN and tags on every page of your site. -->
*APY = Annual Percentage Yield. All deposit rates are accurate as of 10/01/2026 . Rates, terms, and conditions are subject to change. APY is accurate as of the last dividend declaration date. Fees may reduce earnings on the account. Rate may change after account opening
Product | APR as low as*
Personal Loan | 13.12%
*APR = Annual Percentage Rate. Minimum credit score of 710+ required. Example loan in the amount of $10,000.00 for 60 months, would have a monthly payment of $227.10, with an interest rate of 12.90% and an APR of 13.122%. Upon approved credit. All loans are subject to approval. Rates, terms, and conditions are subject to change. This rate is accurate as of 10/17/2023.
Product | APR as low as*
Home Equity Line of Credit (80% LTV - Max) | 7.00%
Prime Rate 7.00% as of 9/22/2026
Model Year | Term | APR as low as*
2023-2027 | Up to 63 Months | 5.55%
*APR = Annual Percentage Rate. Model years 2023 - 2027. Minimum credit score of 750+ required. Maximum term of 63 months. Example loan in the amount of $25,000.00 for 63 months, would have a monthly payment of $456.55, with an interest rate of 5.39% and an APR of 5.55%. New money only. Upon approved credit. Kemba refinances do not apply. Rates subject to change. This rate is accurate as of 10/22/2026.
Product | APR* | Disclosures
Visa (Variable) | 13.99% (Prime + 6.99%) | Disclosure
Visa Gold (Variable) | 11.74% (Prime + 4.74%) | Disclosure
Visa Platinum | 9.90% | Disclosure
Prime Rate 7.00% as of 10/19/2026
*APR = Annual Percentage Rate. Transaction fee for balance transfers and cash advances: 2% of each advance; minimum of $2, maximum $50. Foreign currency transaction fee 1%. Approval is based upon credit worthiness. Terms and conditions may apply for loan approval. Not everyone will qualify for the credit terms advertised.
Term | APY* | Dividend Rate
3 Months | 3.95% | 3.874%
6 Months | 4.00% | 3.922%
12 Months | 4.05% | 3.970%
18 Months | 4.05% | 3.970%
24 Months | 4.10% | 4.018%
30 Months | 4.10% | 4.018%
36 Months | 4.15% | 4.066%
48 Months | 4.20% | 4.114%
60 Months | 4.25% | 4.162%
Term | APY* | Dividend Rate
19 Month Special | 4.25% | 4.162%
40 Month Special | 4.35% | 4.258%
*APY = Annual Percentage Yield. All deposit rates are accurate as of 10/20/2026. Rates, terms, and conditions are subject to change. APY is accurate as of the last dividend declaration date. Fees may reduce earnings on the account. Rate may change after account opening
Product | Balance | APY* | Dividend Rate
Business Plus | $2,500.00+ | 0.00% | 0.00%
Business Prestige | $2,500.00 - $24,999.99 | 0.25% | 0.25%
Business Platinum | $25,000.00+ | 0.30% | 0.30%
Product | APY* | Dividend Rate
Regular Savings | 0.05% | 0.05%
Secondary Savings | 0.05% | 0.05%
Holiday Club | 0.05% | 0.05%
Vacation Club | 0.05% | 0.05%
Balance | APY* | Dividend Rate
$0.00 - $5,000.00 | 6.250% | 6.078%
$5,000.01 - $10,000.00 | 5.250% | 5.128%
$10,000.01 - $100,000.00 | 4.250% | 4.169%
$100,000.01 and up | 0.050% | 0.050%
*APY = Annual Percentage Yield. Program available to eligible members and non-members. Non-members will need to establish a Kemba membership. An Ohio Homebuyer Plus Savings Account requires a $500 opening deposit and must maintain a minimum balance of at least $500; or $100 for Accounts opened prior to 4/1/2025. Accounts opened prior to 4/1/2025 may remain below the $500 minimum starting deposit. Balances falling below $500 will be transferred to a Regular Savings account and the Ohio Homebuyer Plus Account will be closed. Maximum contribution to the account is $100,000. Ohio Homebuyer Plus accounts are individual accounts only, however, two individuals who are legally married may be eligible to open and fund individual Accounts held under their own membership. Funds must be used within five years of account opening. Once accounts opened on or after 4/1/2025 reach the contribution maximum of $100,000, program requirements indicate the member must use the funds for purchase of a primary residence within 12 months. Members shall hold not more than one Ohio Homebuyer Savings Program account at any time except as allowed in the Ohio Homebuyer Savings Plus Participation Statement. Balances in the account will earn Dividend Rates and Annual Percentage Yields via a tiered balance schedule. Dividend rates accurate as of 4/1/2025. Dividend rates are subject to change. Program terms and/or program deposit requirements or limits are subject to change or termination at any time, without prior notice, at the sole discretion of the Treasurer of the State of Ohio or Kemba Credit Union, Inc. Member will need to apply and certify information to the State of Ohio, to be approved for participation. Federally insured by NCUA.
Balance | APY* | Dividend Rate
$0 - $15,000 | 4.00% | 3.92%
$15,000+ | 0.15% | 0.15%
Qualifications not met | 0.05% | 0.05%
Balance | APY* | Dividend Rate
$2,500 - $24,999 | 2.00% | 1.980%
$25,000 - $74,999 | 2.25% | 2.225%
$75,000 - $149,999 | 2.50% | 2.469%
$150,000 - $249,999 | 2.75% | 2.713%
$250,000 and up | 3.00% | 2.956%
Balance | APY* | Dividend Rate
$100 - $2,499 | 0.75% | 0.75%
$2,500 - $24,999 | 1.50% | 1.49%
$25,000 - $99,999 | 2.00% | 1.98%
$100,000 and up | 2.50% | 2.47%