Rates

Current Loan Rates:

Loans APR*  
Auto Loan – 2016-newer

 as low as   3.190%

Calculator

Auto Loan – 2015 and Older

as low as   3.900%

Calculator

Personal Loans**

as low as   10.15%

Calculator

Personal Line of Credit**

Flexible rates and Terms Available

 
Home Equity Line of Credit

Flexible rates and Terms Available

 
Fixed Rate Second Mortgage (certain restrictions apply)

as low as   4.750%

Calculator

 Motorcycle 2016 or newer

as low as   6.40%

 
 Motorcycle 2011-2015

as low as   7.40%

 
 Motorcycle 2010 and older

as low as   8.65%

 

 **There is a $25 application fee for unsecured loan products.  Funds must be on deposit at the time of application.  If approved, we can add the $25 fee to your loan.  See a KEMBA Representative for complete details.

Visa Credit Cards- APR*  
Member Rewards

12.50%-21.00% APR

 
Member Classic

11.40%-21.00% APR

 
Member Secure

21.00% APR

 

Take advantage of intro rate offers!  Visit the KEMBA Visa Credit Card page for more information about our great offer!

*APR = Annual Percentage Rate.

•Rates, Terms and conditions are subject to change without notice

•Subject to credit approval and underwriting criteria

•Rates listed above include a .25% discount for automatic payment.

•Rates may vary based on creditworthiness.

Mortgages

Please click here to see the most current mortgage rates.

Deposit & Savings Rates

Deposits

Dividend Rate

APY*

Term

Checking

0.000

0.000

n/a

Premium Checking $0 – $5,000.00

1.500

1.510

n/a

Premium Checking $5,000.00+

0.000

0.000

n/a

**Savings

0.150

0.150

n/a

**Vacation Club

0.150

0.150

n/a

**Holiday Club

0.150

0.150

n/a

Special K Club

0.200

0.200

n/a

IRA Club $0-$49.99

0.000

0.000

n/a

IRA Club $50-$4,999.99

0.250

0.250

n/a

IRA Club $5,000-$24,999

0.350

0.350

n/a

IRA Club $25,000+

0.400

0.400

n/a

Super Saver Club $0-$4,999

0.150

0.150

n/a

Super Saver Club $5,000-$9,999

0.150

0.150

n/a

Super Saver Club $10,000-$24,999

0.250

0.250

n/a

Super Saver Club $25,000-$49,999

0.250

0.250

n/a

Super Saver Club $50,000-$99,999

0.300

0.300

n/a

Super Saver Club $100,000+

0.350

0.350

n/a

Money Market $0-$2,499

0.000

0.000

n/a

Money Market $2,500-$9,999

0.300

0.300

n/a

Money Market $10,000-$49,999

0.350

0.350

n/a

Money Market $50,000+

0.400

0.400

n/a

*APY = Annual Percentage Yield. **Savings accounts require a $50 minimum daily balance to earn dividend.  Rates may vary after account is opened.  Fees may reduce earnings.

Certificates

Interest Rate

APY*

Term

35 Month Certificate Special – $5000 Minimum

1.350

1.360

35

3 Months

0.150

0.150

 3

6 Months

0.250

0.250

6

12 Months

0.350

0.350

12

18 Months

0.400

0.400

18

24 Months

0.650

0.650

24

30 Months

0.700

0.700

30

36 Months

0.80

0.800

36

48 Months

1.100

1.110

48

60 Months

1.350

1.360

60

3 Year Investment Certificate

1.050

1.060

36

4 Year Investment Certificate

1.350

1.360

48

5 Year Investment Certificate

1.650

1.660

60

*APY = Annual Percentage Yield.  An early withdrawal penalty may apply if funds are withdrawn prior to maturity.  $500 minimum deposit required with the exception of the certificate special.

Rates are subject to change without notice.  Revised 07/01/2018