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Kemba Financial Credit Union

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Kemba Financial Credit Union Rates & Review November 2026

Q: What are the current interest rates at Kemba Financial Credit Union?

Current rates for Kemba Financial Credit Union include: 12-Month CD: 3.50%, 24-Month CD: 3.50%, 60-Month CD: 3.70%, Savings: 0.85%, MMA: 2.55%

Q: What CD terms does Kemba Financial Credit Union offer?

Kemba Financial Credit Union CD rates are 4.00% APY for a 12 month CD, 4.00% APY for a 2 year CD, 4.10% APY for a 3 year CD, 4.10% APY for a 4 year CD and 4.20% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Kemba Financial Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Kemba Financial Credit Union's 60 Month CD rates are at 4.20%, 36 Month CD rates are at 4.10%, 48 Month CD rates are at 4.10%, 12 Month CD rates are at 4.00%, 24 Month CD rates are at 4.00%. Kemba Financial Credit Union's savings rates are at 0.85%. Kemba Financial Credit Union's money market rates are at 2.55%. Kemba Financial Credit Union's checking rates are as high as 0.30%. Kemba Financial Credit Union's Personal Loan Rates are as low as 9.66%. Kemba Financial Credit Union's Credit Card Rates are at 11.74%. Kemba Financial Credit Union's CD rates are 45% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Kemba Financial Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.32%. Rates last updated and verified on 10/29/2026.

Kemba Financial Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Kemba Financial Credit Union? Share your experience about Kemba Financial Credit Union by leaving a review below, or read customer reviews before you decide to use Kemba Financial Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.32%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Kemba Financial Credit Union
Corporate

555 Officenter Pl
Gahanna, OH 43230-5314

https://www.kemba.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Kemba Financial Credit Union CD Rates

Product	Rate	APY	Term
60 Month Certificate	-	4.20%	60 Months
Min Deposit $500 Details KEMBA Advantage APY; Advantage status required to earn higher rates Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80% Oct 9, 20264.20%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
60 Month Term IRA	-	4.20%	60 months
Min Deposit $250 Details KEMBA Advantage APY; Advantage status required to earn higher rates; early withdrawal penalties may apply Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80% Oct 9, 20264.20%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
36 Month Certificate	-	4.10%	36 Months
Min Deposit $500 Details KEMBA Advantage APY; Advantage status required to earn higher rates Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80% Oct 9, 20264.10%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
36 Month Term IRA	-	4.10%	36 months
Min Deposit $250 Details KEMBA Advantage APY; Advantage status required to earn higher rates; early withdrawal penalties may apply Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80% Oct 9, 20264.10%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
48 Month Certificate	-	4.10%	48 Months
Min Deposit $500 Details KEMBA Advantage APY; Advantage status required to earn higher rates Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85% Oct 9, 20264.10%▲ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
48 Month Term IRA	-	4.10%	48 months
Min Deposit $250 Details KEMBA Advantage APY; Advantage status required to earn higher rates; early withdrawal penalties may apply Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85% Oct 9, 20264.10%▲ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
12 Month Certificate	-	4.00%	12 Months
Min Deposit $500 Details KEMBA Advantage APY; Advantage status required to earn higher rates Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90% Oct 9, 20264.00%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
12 Month Term IRA	-	4.00%	12 months
Min Deposit $250 Details KEMBA Advantage APY; Advantage status required to earn higher rates; early withdrawal penalties may apply Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90% Oct 9, 20264.00%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
24 Month Certificate	-	4.00%	24 Months
Min Deposit $500 Details KEMBA Advantage APY; Advantage status required to earn higher rates Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80% Oct 9, 20264.00%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
24 Month Term IRA	-	4.00%	24 months
Min Deposit $250 Details KEMBA Advantage APY; Advantage status required to earn higher rates; early withdrawal penalties may apply Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80% Oct 9, 20264.00%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
6 Month Certificate	-	4.00%	6 Months
Min Deposit $500 Details KEMBA Advantage APY; Advantage status required to earn higher rates Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90% Oct 9, 20264.00%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
6 Month Term IRA	-	4.00%	6 months
Min Deposit $250 Details KEMBA Advantage APY; Advantage status required to earn higher rates; early withdrawal penalties may apply Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90% Oct 9, 20264.00%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
60 Month Certificate	-	3.70%	60 Months
Min Deposit $500 Details Everyday APY Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 3.70% ▼ 0.10 pts · high 3.80% / low 3.70% Oct 9, 20263.70%▼ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
60 Month Term IRA	-	3.70%	60 months
Min Deposit $250 Details Everyday APY; early withdrawal penalties may apply Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 3.70% ▼ 0.10 pts · high 3.80% / low 3.70% Oct 9, 20263.70%▼ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
36 Month Certificate	-	3.60%	36 Months
Min Deposit $500 Details Everyday APY Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 3.60% ▼ 0.20 pts · high 3.80% / low 3.60% Oct 9, 20263.60%▼ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
36 Month Term IRA	-	3.60%	36 months
Min Deposit $250 Details Everyday APY; early withdrawal penalties may apply Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 3.60% ▼ 0.20 pts · high 3.80% / low 3.60% Oct 9, 20263.60%▼ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
48 Month Certificate	-	3.60%	48 Months
Min Deposit $500 Details Everyday APY Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 3.60% ▼ 0.25 pts · high 3.85% / low 3.60% Oct 9, 20263.60%▼ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
48 Month Term IRA	-	3.60%	48 months
Min Deposit $250 Details Everyday APY; early withdrawal penalties may apply Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 3.60% ▼ 0.25 pts · high 3.85% / low 3.60% Oct 9, 20263.60%▼ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
12 Month Certificate	-	3.50%	12 Months
Min Deposit $500 Details Everyday APY Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 3.50% ▼ 0.40 pts · high 3.90% / low 3.50% Oct 9, 20263.50%▼ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
12 Month Term IRA	-	3.50%	12 months
Min Deposit $250 Details Everyday APY; early withdrawal penalties may apply Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.50% ▲ 0.10 pts · high 3.50% / low 3.40% Oct 9, 20263.50%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
24 Month Certificate	-	3.50%	24 Months
Min Deposit $500 Details Everyday APY Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 3.50% ▼ 0.30 pts · high 3.80% / low 3.50% Oct 9, 20263.50%▼ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
24 Month Term IRA	-	3.50%	24 months
Min Deposit $250 Details Everyday APY; early withdrawal penalties may apply Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.50% ▲ 0.20 pts · high 3.50% / low 3.30% Oct 9, 20263.50%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
3 Month Certificate	-	3.50%	3 Months
Min Deposit $500 Details KEMBA Advantage APY; Advantage status required to earn higher rates Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
3 Month Term IRA	-	3.50%	3 months
Min Deposit $250 Details KEMBA Advantage APY; Advantage status required to earn higher rates; early withdrawal penalties may apply Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
6 Month Certificate	-	3.50%	6 Months
Min Deposit $500 Details Everyday APY Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 3.50% ▼ 0.40 pts · high 3.90% / low 3.50% Oct 9, 20263.50%▼ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
6 Month Term IRA	-	3.50%	6 months
Min Deposit $250 Details Everyday APY; early withdrawal penalties may apply Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.50% ▲ 0.10 pts · high 3.50% / low 3.40% Oct 9, 20263.50%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
3 Month Certificate	-	3.00%	3 Months
Min Deposit $500 Details Everyday APY Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.00% ▼ 0.50 pts · high 3.50% / low 3.00% Oct 9, 20263.00%▼ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
3 Month Term IRA	-	3.00%	3 months
Min Deposit $250 Details Everyday APY; early withdrawal penalties may apply Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Kemba Financial Credit Union Savings Rates

Product	Rate	APY
Health Savings Account - KEMBA Advantage	-	0.85%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99; KEMBA Advantage APY Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Health Savings Account - KEMBA Advantage	-	0.85%
Min Balance $25,000 Details Balance: $25,000 and greater; KEMBA Advantage APY Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Health Savings Account - KEMBA Advantage	-	0.55%
Min Balance $0 Details Balance: $0.01 - $2,499.99; KEMBA Advantage APY Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Health Savings Account - KEMBA Advantage	-	0.55%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99; KEMBA Advantage APY Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Health Savings Account - Everyday	-	0.50%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Everyday APY Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Health Savings Account - Everyday	-	0.50%
Min Balance $25,000 Details Balance: $25,000 and greater; Everyday APY Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Health Savings Account - Everyday	-	0.25%
Min Balance $0 Details Balance: $0.01 - $2,499.99; Everyday APY Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Health Savings Account - Everyday	-	0.25%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99; Everyday APY Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
IRA Savings	-	0.25%
Details KEMBA Advantage APY; Advantage status required to earn higher rates Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Christmas Club	-	0.20%
Min Balance $0 Details KEMBA Advantage APY; Min. to Earn APY $0.01; Variable rate account Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
IRA Savings	-	0.15%
Details Everyday APY Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Primary Savings	-	0.15%
Min Deposit $5 Min Balance $0 Details KEMBA Advantage APY; Min. to Earn APY $0.01; Variable rate account Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Secondary Savings	-	0.15%
Min Balance $0 Details KEMBA Advantage APY; Min. to Earn APY $0.01; Variable rate account Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Christmas Club	-	0.10%
Min Balance $0 Details Everyday APY; Min. to Earn APY $0.01; Variable rate account Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 0.20% → 0.10% ▼ 0.10 pts · high 0.20% / low 0.10% Sep 22, 20260.10%▼ from 0.20% Sep 14, 20260.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Primary Savings	-	0.05%
Min Deposit $5 Min Balance $0 Details Everyday APY; Min. to Earn APY $0.01; Variable rate account Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Secondary Savings	-	0.05%
Min Balance $0 Details Everyday APY; Min. to Earn APY $0.01; Variable rate account Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Kemba Financial Credit Union Business Savings Rates

Product	Rate	APY
Business Savings Account	-	0.15%
Min Deposit $5 Min Balance $5 Details KEMBA Advantage APY Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Business Savings Account	-	0.05%
Min Deposit $5 Min Balance $5 Details Everyday APY Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 0.15% → 0.05% ▼ 0.10 pts · high 0.15% / low 0.05% Oct 13, 20260.05%▼ from 0.15% Sep 14, 20260.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Kemba Financial Credit Union Money Market Rates

Product	Rate	APY
Money Market	-	2.55%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 - $249,999.99; KEMBA Advantage APY; Advantage status required to earn higher rates Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Money Market	-	2.55%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000 and greater; KEMBA Advantage APY; Advantage status required to earn higher rates Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Money Market	-	2.10%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000 - $49,999.99; KEMBA Advantage APY; Advantage status required to earn higher rates Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Money Market	-	2.10%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 - $99,999.99; KEMBA Advantage APY; Advantage status required to earn higher rates Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Money Market	-	2.05%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Everyday APY Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 2.55% → 2.05% ▼ 0.50 pts · high 2.55% / low 2.05% Oct 13, 20262.05%▼ from 2.55% Sep 18, 20262.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Money Market	-	2.05%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000 and greater; Everyday APY Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 2.55% → 2.05% ▼ 0.50 pts · high 2.55% / low 2.05% Oct 13, 20262.05%▼ from 2.55% Sep 18, 20262.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Money Market	-	1.95%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $9,999.99; KEMBA Advantage APY; Advantage status required to earn higher rates Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.95% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Money Market	-	1.95%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - $24,999.99; KEMBA Advantage APY; Advantage status required to earn higher rates Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.95% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Money Market	-	1.60%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Everyday APY Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 2.10% → 1.60% ▼ 0.50 pts · high 2.10% / low 1.60% Oct 13, 20261.60%▼ from 2.10% Sep 18, 20262.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Money Market	-	1.60%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Everyday APY Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 2.10% → 1.60% ▼ 0.50 pts · high 2.10% / low 1.60% Oct 13, 20261.60%▼ from 2.10% Sep 18, 20262.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Money Market	-	1.45%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $9,999.99; Everyday APY Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 1.95% → 1.45% ▼ 0.50 pts · high 1.95% / low 1.45% Oct 13, 20261.45%▼ from 1.95% Sep 18, 20261.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Money Market	-	1.45%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Everyday APY Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 1.95% → 1.45% ▼ 0.50 pts · high 1.95% / low 1.45% Oct 13, 20261.45%▼ from 1.95% Sep 18, 20261.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Kemba Financial Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	-	2.55%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Advantage status required; Tiered variable rates Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.55% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Business Money Market	-	2.55%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000 and greater; Advantage status required; Tiered variable rates Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.55% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Business Money Market	-	2.10%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Advantage status required; Tiered variable rates Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Business Money Market	-	2.10%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Advantage status required; Tiered variable rates Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Business Money Market	-	2.05%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Everyday APY; Tiered variable rates Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 2.55% → 2.05% ▼ 0.50 pts · high 2.55% / low 2.05% Oct 13, 20262.05%▼ from 2.55% Sep 18, 20262.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Business Money Market	-	2.05%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000 and greater; Everyday APY; Tiered variable rates Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 2.55% → 2.05% ▼ 0.50 pts · high 2.55% / low 2.05% Oct 13, 20262.05%▼ from 2.55% Sep 18, 20262.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Business Money Market	-	1.95%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $9,999.99; Advantage status required; Tiered variable rates; Tier one rates apply to balances less than $1,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.95% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Business Money Market	-	1.95%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Advantage status required; Tiered variable rates Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.95% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Business Money Market	-	1.60%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Everyday APY; Tiered variable rates Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 2.10% → 1.60% ▼ 0.50 pts · high 2.10% / low 1.60% Oct 13, 20261.60%▼ from 2.10% Sep 18, 20262.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Business Money Market	-	1.60%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Everyday APY; Tiered variable rates Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 2.10% → 1.60% ▼ 0.50 pts · high 2.10% / low 1.60% Oct 13, 20261.60%▼ from 2.10% Sep 18, 20262.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Business Money Market	-	1.45%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $9,999.99; Everyday APY; Tiered variable rates; Tier one rates apply to balances less than $1,000 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 1.95% → 1.45% ▼ 0.50 pts · high 1.95% / low 1.45% Oct 19, 20261.45%▼ from 1.95% Sep 18, 20261.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Business Money Market	-	1.45%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Everyday APY; Tiered variable rates Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 1.95% → 1.45% ▼ 0.50 pts · high 1.95% / low 1.45% Oct 13, 20261.45%▼ from 1.95% Sep 18, 20261.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Kemba Financial Credit Union Checking Rates

Product	Rate	APY
High Performance Checking - KEMBA Advantage	-	0.30%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99; KEMBA Advantage APY Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
High Performance Checking - KEMBA Advantage	-	0.30%
Min Balance $250,000 Details Balance: $250,000 and greater; KEMBA Advantage APY Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
High Performance Checking - KEMBA Advantage	-	0.20%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99; KEMBA Advantage APY Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
High Performance Checking - KEMBA Advantage	-	0.20%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99; KEMBA Advantage APY Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
High Performance Checking - KEMBA Advantage	-	0.20%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99; KEMBA Advantage APY Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
High Performance Checking - Everyday	-	0.15%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Everyday APY Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
High Performance Checking - Everyday	-	0.15%
Min Balance $250,000 Details Balance: $250,000 and greater; Everyday APY Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
High Performance Checking - KEMBA Advantage	-	0.15%
Min Balance $0 Details Balance: $0.01 - $999.99; KEMBA Advantage APY Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
High Performance Checking - KEMBA Advantage	-	0.15%
Min Balance $1,000 Details Balance: $1,000 - $9,999.99; KEMBA Advantage APY Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
High Performance Checking - Everyday	-	0.05%
Min Balance $0 Details Balance: $0.01 - $999.99; Everyday APY Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
High Performance Checking - Everyday	-	0.05%
Min Balance $1,000 Details Balance: $1,000 - $9,999.99; Everyday APY Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
High Performance Checking - Everyday	-	0.05%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Everyday APY Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
High Performance Checking - Everyday	-	0.05%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Everyday APY Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
High Performance Checking - Everyday	-	0.05%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Everyday APY Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Kemba Financial Credit Union Business Checking Rates

Product	Rate	APY
Business Smart Checking	-	0.15%
Min Deposit $1,000 Min Balance $5,000 Details KEMBA Advantage APY Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Business Smart Checking	-	0.05%
Min Deposit $1,000 Min Balance $5,000 Details Everyday APY Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 0.15% → 0.05% ▼ 0.10 pts · high 0.15% / low 0.05% Oct 13, 20260.05%▼ from 0.15% Sep 14, 20260.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Kemba Financial Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Variable Rate HELOC - KEMBA Advantage	-	-	6.50%
Details As Low As; Approved credit line >= $35,000; Minimum; Variable-rate HELOC can change quarterly based on Prime Rate; maximum APR 18% Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 6.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Variable Rate HELOC - KEMBA Advantage	-	-	6.74%
Details As Low As; Approved credit line < $34,999; Minimum; Variable-rate HELOC can change quarterly based on Prime Rate; maximum APR 18% Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 6.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Variable Rate HELOC - Everyday	-	-	7.00%
Details As Low As; Approved credit line >= $35,000; Minimum; Variable-rate HELOC can change quarterly based on Prime Rate; maximum APR 18% Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Variable Rate HELOC - Everyday	-	-	7.24%
Details As Low As; Approved credit line < $34,999; Minimum; Variable-rate HELOC can change quarterly based on Prime Rate; maximum APR 18% Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 7.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Fixed Rate HELOC - KEMBA Advantage	-	-	7.50%
Details As Low As; Approved credit line >= $35,000; Minimum; Fixed-rate HELOC APR remains steady over the life of loan Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 7.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Fixed Rate HELOC - KEMBA Advantage	-	-	7.74%
Details As Low As; Approved credit line < $34,999; Minimum; Fixed-rate HELOC APR remains steady over the life of loan Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 7.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Fixed Rate HELOC - Everyday	-	-	8.00%
Details As Low As; Approved credit line >= $35,000; Minimum; Fixed-rate HELOC APR remains steady over the life of loan Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 8.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Fixed Rate HELOC - Everyday	-	-	8.24%
Details As Low As; Approved credit line < $34,999; Minimum; Fixed-rate HELOC APR remains steady over the life of loan Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 8.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Kemba Financial Credit Union Auto Loan Rates

Product	Rate	Points	APR
Auto Loan - KEMBA Advantage	5.24%	-	5.54%
Details As Low As; Model Year: 2023 & Newer; Rates subject to Advantage status; APRs based on $20,000 loan with $124 doc prep fee; Vehicle loans amortized over 51 months Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.54% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Automobile Loan - KEMBA Advantage	5.24%	-	5.54%
Details As Low As; Model Year: 2023 & Newer Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.54% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Auto Loan - Everyday	5.74%	-	6.04%
Details As Low As; Model Year: 2023 & Newer; APRs based on $20,000 loan with $124 doc prep fee; Vehicle loans amortized over 51 months Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.04% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Automobile Loan - Everyday	5.74%	-	6.04%
Details As Low As; Model Year: 2023 & Newer Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.04% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Auto Loan - KEMBA Advantage	6.49%	-	6.79%
Details As Low As; Model Year: 2020-2022; Rates subject to Advantage status; APRs based on $20,000 loan with $124 doc prep fee; Vehicle loans amortized over 51 months Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.79% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Automobile Loan - KEMBA Advantage	6.49%	-	6.79%
Details As Low As; Model Year: 2022-2020 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.79% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Auto Loan - KEMBA Advantage	6.74%	-	7.04%
Details As Low As; Model Year: 2019 & Older; Rates subject to Advantage status; APRs based on $20,000 loan with $124 doc prep fee; Vehicle loans amortized over 51 months Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.04% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Automobile Loan - KEMBA Advantage	6.74%	-	7.04%
Details As Low As; Model Year: 2019 & Older Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.04% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Auto Loan - Everyday	6.99%	-	7.29%
Details As Low As; Model Year: 2020-2022; APRs based on $20,000 loan with $124 doc prep fee; Vehicle loans amortized over 51 months Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.29% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Automobile Loan - Everyday	6.99%	-	7.29%
Details As Low As; Model Year: 2022-2020 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.29% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Auto Loan - Everyday	7.24%	-	7.54%
Details As Low As; Model Year: 2019 & Older; APRs based on $20,000 loan with $124 doc prep fee; Vehicle loans amortized over 51 months Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.54% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Automobile Loan - Everyday	7.24%	-	7.54%
Details As Low As; Model Year: 2019 & Older Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.54% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Kemba Financial Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boats/RVs - KEMBA Advantage Loan	8.74%	9.04%	Up to 120 months
Details As Low As; Model Year: 2023 & Newer; Advantage status required for this rate Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 9.04% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Boats/RVs - Everyday Loan	9.24%	9.55%	Up to 120 months
Details As Low As; Model Year: 2023 & Newer Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 9.55% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Boats/RVs - KEMBA Advantage Loan	9.74%	10.05%	Up to 96 months
Details As Low As; Model Year: 2022 & Older; Advantage status required for this rate Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 10.05% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Boats/RVs - Everyday Loan	10.24%	10.55%	Up to 96 months
Details As Low As; Model Year: 2022 & Older Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 10.55% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Kemba Financial Credit Union Student Loan Rates

Product	Rate	Points	APR	Term
Student Loan Refinancing - 10-Year Variable Rate	-	-	6.99%	10-Year
Details As Low As; Everyday APR; Maximum Loan Amount: $50,000 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Student Loan Refinancing - 10-Year Fixed Rate	-	-	7.24%	10-Year
Details As Low As; Everyday APR; Maximum Loan Amount: $50,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.74% → 7.24% ▲ 0.50 pts · high 7.24% / low 6.74% Oct 26, 20267.24%▲ from 6.74% Sep 14, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Student Loan Refinancing - 15-Year Variable Rate	-	-	7.24%	15-Year
Details As Low As; Everyday APR; Maximum Loan Amount: $50,000 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Undergraduate Student Loans - Variable	-	-	7.74%
Details As Low As; Everyday APR; Maximum Credit Line: $50,000 Variable Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Student Loan Refinancing - 15-Year Fixed Rate	-	-	8.74%	15-Year
Details As Low As; Everyday APR; Maximum Loan Amount: $50,000 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Undergraduate Student Loans - Fixed	-	-	8.99%
Details As Low As; Everyday APR; Maximum Credit Line: $50,000 Fixed Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 8.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Kemba Financial Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum Rewards	-	11.74%
Details As Low As; Variable Rate Card; Minimum Limit: $500 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 11.49% → 11.74% ▲ 0.25 pts · high 11.74% / low 11.49% Oct 9, 202611.74%▲ from 11.49% Sep 14, 202611.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Visa Signature	-	13.74%
Details As Low As; Variable Rate Card; Minimum Limit: $500 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 13.49% → 13.74% ▲ 0.25 pts · high 13.74% / low 13.49% Oct 9, 202613.74%▲ from 13.49% Sep 14, 202613.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Kemba Financial Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature/Personal Loans - Closed End Fixed Rate	9.66%
Details As Low As; KEMBA Advantage; Minimum Amount: $500; APRs shown are based on a 36-month term Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 9.66% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Signature/Personal Loans - Closed End Fixed Rate - Everyday	10.16%
Details As Low As; Everyday Rate; Minimum Amount: $500; APRs shown are based on a 36-month term Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 10.16% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Visa Signature	13.74%
Details As Low As; Variable Rate Card; Minimum Limit: $500 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 13.49% → 13.74% ▲ 0.25 pts · high 13.74% / low 13.49% Oct 9, 202613.74%▲ from 13.49% Sep 14, 202613.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Kemba Financial Credit Union Other Rates

Product	Rate	Points	APY/APR
Coverdell (ESA) Savings	-	-	0.25%
Details KEMBA Advantage APY; Advantage status required to earn higher rates Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Coverdell (ESA) Savings	-	-	0.15%
Details Everyday APY Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Kemba Financial Credit Union’s Texas Ratio rose from 2.01% in Q3 2023 to 3.32% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$2.5B	3.32%	5.0	A+
March 31, 2026	$2.4B	3.49%	5.0	A+
December 31, 2025	$2.4B	3.52%	5.0	A+
September 30, 2025	$2.4B	3.65%	5.0	A+
June 30, 2025	$2.4B	3.05%	5.0	A+
March 31, 2025	$2.3B	2.26%	5.0	A+
December 31, 2024	$2.3B	3.03%	5.0	A+
September 30, 2024	$2.3B	2.84%	5.0	A+
June 30, 2024	$2.3B	2.81%	5.0	A+
March 31, 2024	$2.2B	2.91%	5.0	A+
December 31, 2023	$2.1B	3.13%	5.0	A+
September 30, 2023	$2.1B	2.01%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Kemba Financial Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Kemba Financial Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Kemba Financial Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Kemba Financial Credit Union

Website https://www.kemba.org

Address 555 Officenter Pl, Gahanna, OH 43230-5314

Phone 614-235-2395

Fax 614-338-3542

President Mike Slaper

CEO Donna Grimmett

Full-Time Employees 357

Part-Time Employees 5

Branch Locations 13

ATM Locations 13

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.32%

Return on Assets (ROA)

0.4626%

Return on Equity (ROE)

3.6789%

Non-Performing Loans Ratio (NPL)

0.58%

Total Assets

2,473,978,703

Total Amount of Shares and Deposits

2,057,454,247

Total Shares and Deposits < 1 Year

1,893,248,228

Total Shares and Deposits 1 3 Years

142,873,538

Total Shares and Deposits > 3 Years

21,332,481

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

138,919,465

Total Uninsured Shares and Deposits > $250K (F+J)

138,919,465

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,918,534,782

Total Interest Expense (Sum of items 6 8)

23,715,753

Share Certificates

14,534

Number of Accounts for Share Drafts

85,561

IRA KEOGH Accounts

5,484

Number of Accounts for Regular Shares

211,217

All other shares

3,789

Non Member Deposits

161

Money Market Shares

24,944

Net Income (unless the amount is already included in Undivided Earnings)

11,444,102

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

58,609,014

Total Liabilities

2,174,560,795

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Kemba Financial Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Kemba Financial Credit Union

Does Kemba Financial Credit Union offer CDs?

Yes. Kemba Financial Credit Union current CD rates include its 60 Month CD at 4.20% APY, its 36 Month CD at 4.10% APY and its 48 Month CD at 4.10% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Kemba Financial Credit Union NCUA insured?

Yes. Kemba Financial Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Kemba Financial Credit Union?

The highest Kemba Financial Credit Union CD rate is its 60 Month CD at 4.20% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Kemba Financial Credit Union offer?

Kemba Financial Credit Union CD rates are 4.00% APY for a 12 month CD, 4.00% APY for a 2 year CD, 4.10% APY for a 3 year CD, 4.10% APY for a 4 year CD and 4.20% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Kemba Financial Credit Union for its full lineup.

What is the highest savings rate at Kemba Financial Credit Union?

The highest Kemba Financial Credit Union savings rate is its Health Savings Account - KEMBA Advantage at 0.85% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Kemba Financial Credit Union?

The highest Kemba Financial Credit Union money market rate is its Business Money Market at 2.55% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Kemba Financial Credit Union?

The highest Kemba Financial Credit Union checking rate is its High Performance Checking - KEMBA Advantage at 0.30% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at Kemba Financial Credit Union?

The lowest Kemba Financial Credit Union auto loan rate is its Auto Loan - KEMBA Advantage at 5.24%, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Kemba Financial Credit Union?

The lowest Kemba Financial Credit Union personal loan rate is its Signature/Personal Loans - Closed End Fixed Rate at 9.24%, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at Kemba Financial Credit Union?

The lowest Kemba Financial Credit Union credit card APR is its Visa Platinum Rewards Credit Card at 11.74% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Kemba Financial Credit Union operate?

Kemba Financial Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Kemba Financial Credit Union?

Yes, to access services at Kemba Financial Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Kemba Financial Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Kemba Financial Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Kemba Financial Credit Union offer online and mobile banking?

Most modern institutions like Kemba Financial Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.kemba.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Kemba Financial Credit Union rates compare?

Kemba Financial Credit Union's CD rates are 45% higher than the MonitorBankRates national average, and it has an A+ health rating. Kemba Financial Credit Union's top rates are its 60 Month CD at 4.20% APY, its Health Savings Account - KEMBA Advantage at 0.85% APY, its Business Money Market at 2.55% APY, its High Performance Checking - KEMBA Advantage at 0.30% APY, its Signature/Personal Loans - Closed End Fixed Rate at 9.66% APR and its Visa Platinum Rewards Credit Card at 11.74% APR, verified by MonitorBankRates on October 29, 2026.

Current Kemba Financial Credit Union Rates

12-Month CD3.50%
24-Month CD3.50%
60-Month CD3.70%
Savings0.85%
MMA2.55%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Kemba Financial Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

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Kemba Financial Credit Union Texas Ratio

Kemba Financial Credit Union Health Trend

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Kemba Financial Credit Union Savings Rates

Kemba Financial Credit Union Business Savings Rates

Kemba Financial Credit Union Money Market Rates

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Kemba Financial Credit Union Checking Rates

Kemba Financial Credit Union Business Checking Rates

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Kemba Financial Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Kemba Financial Credit Union

Does Kemba Financial Credit Union offer CDs?

Are CDs from Kemba Financial Credit Union NCUA insured?

What is the highest CD rate at Kemba Financial Credit Union?

What CD terms does Kemba Financial Credit Union offer?

What is the highest savings rate at Kemba Financial Credit Union?

What is the highest money market rate at Kemba Financial Credit Union?

What is the highest checking rate at Kemba Financial Credit Union?

What is the lowest auto loan rate at Kemba Financial Credit Union?

What is the lowest personal loan rate at Kemba Financial Credit Union?

What is the lowest credit card APR at Kemba Financial Credit Union?

How many branches does Kemba Financial Credit Union operate?

Is a member application needed to join Kemba Financial Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Kemba Financial Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Kemba Financial Credit Union rates compare?

Current Kemba Financial Credit Union Rates

Compare to Other Credit Unions