KEMBA Indianapolis Credit Union will be closed on Monday, October 12th to observe Columbus Day.

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Accounts That Fit Your Life

At KEMBA Indianapolis Credit Union, we make managing your money easy and personal. Whether you’re saving, spending, or planning ahead, we have an account that fits your lifestyle.

Plus, every KEMBA account is designed to help you reach your goals faster—with local service, competitive rates, and a team that’s always here to help.

KEMBA Accounts for everyone!

KEMBA Indianapolis Credit Union has accounts for the whole family!

Explore the right fit for your financial journey:

 

  • Savings Accounts – Build a strong foundation for your goals.
  • Checking Accounts – Simplify everyday spending with convenient features.
  • Debit Cards – Enjoy secure, contactless payments anywhere you go.
  • Sprout & Grow Kids Club – Teach children the fun side of saving.
  • Level Up Teen Account – Give teens the tools to manage money wisely.
  • Membership Referral Program – Share KEMBA with friends and earn rewards.
 

Bank your way with KEMBA

 
In addition, every account includes the support of our friendly team—ready to help you choose the best fit for your goals and your stage of life.

Choose an Account to Learn More

Savings

Accounts

Checking

Accounts

Debit

Cards

Sprout & Grow

Kids Club

Level Up

Teen Account

Membership

Referral Program

Account Protection

Account

Protection Options

Man on laptop

Start Here!

Joining KEMBA is easy and convenient. First, choose the account that fits your needs and start your application online. If you prefer, you can also visit any of our branches in person. Either way, our friendly staff will guide you through every step of the process.

 

Ready to get started? Click below to open your account today.

 
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Deposit Rates

Effective November 1, 2026

Deposit Rates

Account TypeDividend RateAPY
Basic Checking0.00%0.00%
Savings0.05%0.05%
Vacation Club0.15%0.15%
Holiday Club0.15%0.15%
Special K Club0.20%0.20%

IRA Club

BalanceDividend RateAPY
$50 - $4,9990.50%0.50%
$5,000 - $24,9990.75%0.75%
$25,000 and up1.00%1.00%

Premium Checking

BalanceDividend RateAPY
$0 - $5,0000.25%0.25%
$5,001 and up0.00%0.00%

Money Market

BalanceDividend RateAPY
$0 - $2,4990.00%0.00%
$2,500 - $9,9991.00%1.00%
$10,000 - $49,9991.49%1.50%
$50,000 - $99,9991.74%1.75%
$100,000 and up2.23%2.25%

Super Saver

BalanceDividend RateAPY
$50 - $4,9990.20%0.20%
$5,000 - $9,9990.30%0.30%
$10,000 - $24,9990.40%0.40%
$25,000 - $49,9990.50%0.50%
$50,000 - $99,9991.00%1.00%
$100,000 and up1.24%1.25%

Certificate Special

4.25% APY
7-month certificate
4.17% dividend rate · $5,000 minimum deposit required

Share & IRA Certificates

Term / TypeDividend RateAPY
3 months1.00%1.00%
6 months3.44%3.50%
12 months3.44%3.50%
18 months2.96%3.00%
24 months3.69%3.75%
30 months1.98%2.00%
36 months3.10%3.15%
48 months2.96%3.00%
60 months2.72%2.76%
2 Year Gift (add $25 or more)2.96%3.00%

Share & IRA Investment Certificates

Term / TypeDividend RateAPY
3 years3.98%4.10%
4 years3.44%3.50%
5 years3.98%4.10%

Sprout & Grow / Level Up Certificate

Term / TypeDividend RateAPY
18th Birthday - term varies5.37%5.50%

The primary account owner must be between the ages of 8 and 18. The certificate automatically matures on the child’s 18th Birthday. Certificate must remain on deposit the full term to earn any dividends. With the exception of these rules, all other certificate rules and disclosures apply. Maximum deposit amount of $1,000. Speak with a KEMBA representative for complete details.

APY = Annual Percentage Yield. Note: The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal of interest before maturity will reduce earnings. Applicable withdrawal penalties will affect the amount of earnings that would otherwise be earned. Savings accounts require a $50 minimum daily balance to earn dividends. Certificates (share or IRA) require a $500 minimum deposit. Early withdrawal penalty calculation for Investment Certificates is substantially higher than our Regular Certificate penalty calculation. Premium Checking accounts require the disclosed criteria is met in order to earn stated rate. Rates are subject to change.

US Patriot act

Why We Ask for ID

In accordance with Section 326 of the USA Patriot Act, all new account applicants are required to provide current, valid identification that verifies identity. In some cases, additional documentation may be requested for existing account holders if original verification was not obtained when the account was opened.

 

At KEMBA, we take your privacy seriously. Protecting your identity and ensuring confidentiality are top priorities. As a result, we maintain strict standards to safeguard our members and uphold federal security requirements.

Apply for a Loan

Existing Members

Existing Members- Login to MyBranch online banking to complete the application.

Non Members

Not a member? Use this application to submit your loan request.

All loans are subject to credit approval and underwriting criteria. Membership with KEMBA is required. If you are a non member, applying for a loan will also initiate a membership application.