KEMBA will be closed on Thursday, November 27, 2025 to observe Thanksgiving. We are thankful for your membership with KEMBA!

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Your Goals, Your Savings, Your Way!

When you join KEMBA Indianapolis Credit Union, you become more than a customer—you become a member-owner. Opening a Membership Savings Account with just a $5 deposit gives you access to all the benefits of KEMBA membership for life.

 

From there, you can add extra savings accounts to help you reach your goals, whether you’re saving for vacation, holiday expenses, or big purchases. With flexible account options and local support, saving with KEMBA is easy, personal, and built around you.

Find the Right Way to Save at KEMBA

Membership Savings Account

All KEMBA members have this account. Your membership savings represents your ownership share in KEMBA. Once you open this account, you can access all other products and services. A minimum balance of $5 is required.

With $50 or more on deposit, you’ll also earn monthly dividends. Plus, this account gives you full access to your KEMBA membership benefits.

Holiday Club

Save for the holidays with less stress. This account lets you build your savings a little at a time and automatically transfers funds to your checking or savings account each September.

 

In addition, early withdrawals made before the club distribution date are subject to a $15 fee. If you have $50 or more on deposit, you’ll earn monthly dividends.

Vacation Club

Make saving for travel or special projects easier with a Vacation Club account. You can withdraw funds once per calendar year, and any early withdrawals are subject to a $15 fee.

 

As a result, you can plan ahead and save for your next adventure while earning dividends on deposits of $50 or more.

Miscellaneous Savings

This flexible savings option helps you set aside money for personal purchases or unexpected expenses. With this account, you can easily track your goals and manage your savings separately from other accounts.

 

There are no limits on withdrawals, and balances of $50 or more earn monthly dividends.

Certificate of Deposit

You’ve worked hard for your money—now let it work for you. With a variety of certificate terms available, you can plan your savings and earn a higher return.

 

We offer:

Money Market

Earn higher dividends while keeping your funds accessible. This account offers tiered dividends starting with deposits of $2,500 or more. You can withdraw up to six times per calendar month, with three of those withdrawals by check.

 

However, more than six withdrawals in one month will result in an excessive withdrawal fee.

Special K Club

Our Special Club helps you plan for unique projects or seasonal needs. You can withdraw up to two times per year without penalty, and early withdrawals beyond that may result in a fee.

 

It’s a simple way to save for taxes, vacations, or other one-time expenses while keeping your funds separate and easy to manage.

IRA (Individual Retirement Account)

With a variety of options, KEMBA can help you save for retirement or education expenses. You can even set up automatic deposits from your payroll for easier saving.

 

We offer:

Talk to your tax advisor to see which IRA account type best fits your needs and future goals.

If you need assistance please contact us or call 317-351-5235.  A KEMBA representative will be happy to help you.