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 Kemba Indianapolis Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 30, 2026
Kemba Indianapolis Credit Union's 12 Month CD rates are at 3.25%, 3 Year CD rates are at 3.25%, 4 Year CD rates are at 3.25%, 5 Year CD rates are at 3.25%, 6 Month CD rates are at 3.25%. Kemba Indianapolis Credit Union's Auto Loan Rates are as low as 5.29%. Kemba Indianapolis Credit Union's Credit Card Rates are at 13.15%. Kemba Indianapolis Credit Union's CD rates are 1% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Kemba Indianapolis Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.21%. Rates last updated and verified on 10/30/2026. Kemba Indianapolis 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 Indianapolis Credit Union? Share your experience about Kemba Indianapolis Credit Union by leaving a review below, or read customer reviews before you decide to use Kemba Indianapolis Credit Union. Kemba Indianapolis Credit Union
Main Office 444 S Shortridge Rd
https://www.mykemba.org Indianapolis, IN 46219 Privately insuredNot NCUA Customer Reviews
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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 Indianapolis Credit Union CD Rates
Kemba Indianapolis Credit Union Savings Rates
Kemba Indianapolis Credit Union Checking Rates
Kemba Indianapolis Credit Union Auto Loan Rates
Kemba Indianapolis Credit Union RV, Boat and Powersport Loan Rates
Kemba Indianapolis Credit Union Credit Card Rates
Kemba Indianapolis Credit Union Other Rates
Financial Health HistoryKemba Indianapolis Credit Union’s Texas Ratio rose from 1.58% in Q3 2023 to 2.21% 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
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Kemba Indianapolis 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 Indianapolis 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 Indianapolis Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Kemba Indianapolis Credit Union
Website
https://www.mykemba.org
Address
444 S Shortridge Rd,
Indianapolis, IN 46219
Phone
317-351-5235
Fax
317-351-5244
President
Paul Sahm
CEO
Jennifer Mulligan
Full-Time Employees
14
Part-Time Employees
1
Branch Locations
1
ATM Locations
1
NCUA Insured
No, not federally insured
Private Share Insurance
Not federally insured by the NCUA. Deposits are covered by private share insurance instead; contact the credit union for its insurer and coverage limits
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.21%
Return on Assets (ROA)
0.4196%
Return on Equity (ROE)
2.6196%
Non-Performing Loans Ratio (NPL)
1.04%
Total Assets
82,256,898
Total Amount of Shares and Deposits
68,573,481
Total Shares and Deposits < 1 Year
67,572,828
Total Shares and Deposits 1 3 Years
699,450
Total Shares and Deposits > 3 Years
301,203
Total Interest Expense (Sum of items 6 8)
269,246
Share Certificates
314
Number of Accounts for Share Drafts
3,456
IRA KEOGH Accounts
217
Number of Accounts for Regular Shares
5,621
Money Market Shares
219
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)
9,596,592
Total Liabilities
69,080,988
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Add Your Rating and Review for Kemba Indianapolis Credit Union
Frequently Asked Questions About Kemba Indianapolis Credit UnionDoes Kemba Indianapolis Credit Union offer CDs?Yes. Kemba Indianapolis Credit Union current CD rates include its 12 Month CD at 3.25% APY, its 3 Year CD at 3.25% APY and its 4 Year CD at 3.25% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Kemba Indianapolis Credit Union NCUA insured?No. Kemba Indianapolis Credit Union is privately insured rather than federally insured, so its CDs are not covered by the NCUA. Deposits are covered by Not federally insured by the NCUA. Deposits are covered by private share insurance instead; contact the credit union for its insurer and coverage limits. Check the coverage terms with the credit union before you open an account. What is the highest CD rate at Kemba Indianapolis Credit Union?The highest Kemba Indianapolis Credit Union CD rate is its 12 Month CD at 3.25% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Kemba Indianapolis Credit Union offer?Kemba Indianapolis Credit Union CD rates are 3.25% APY for a 6 month CD, 3.25% APY for a 12 month CD, 2.50% APY for an 18 month CD, 3.00% APY for a 2 year CD, 3.25% APY for a 3 year CD, 3.25% APY for a 4 year CD and 3.25% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Kemba Indianapolis Credit Union for its full lineup. What is the lowest auto loan rate at Kemba Indianapolis Credit Union?The lowest Kemba Indianapolis Credit Union auto loan rate is its New and Used Auto Loans - 2024-current model year at 5.29% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at Kemba Indianapolis Credit Union?The lowest Kemba Indianapolis Credit Union credit card APR is its VISA Credit Card - Member Classic at 13.15% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does Kemba Indianapolis Credit Union operate?Kemba Indianapolis 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 Indianapolis Credit Union?Yes, to access services at Kemba Indianapolis 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 Indianapolis 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 Indianapolis Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Kemba Indianapolis Credit Union offer online and mobile banking?Most modern institutions like Kemba Indianapolis 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.mykemba.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 Indianapolis Credit Union rates compare?Kemba Indianapolis Credit Union's CD rates are 1% lower than the MonitorBankRates national average, and it has an A+ health rating. Kemba Indianapolis Credit Union's top rates are its 12 Month CD at 3.25% APY, its New and Used Auto Loans - 2024-current model year at 5.29% APR and its VISA Credit Card - Member Classic at 13.15% APR, verified by MonitorBankRates on October 30, 2026. Current Kemba Indianapolis Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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