Rates

Loan Rates

Loans APR*  
Auto Loan: 2019- Current Model Year

 as low as 2.89%

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Auto Loan: 2014-2018

as low as 3.19%

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Auto Loan: 2013 and Older

as low as 5.99%

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Personal Loans**

as low as 7.95%

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Personal Line of Credit**

Flexible rates and Terms Available

 
Home Equity Line of Credit

Flexible rates and Terms Available

 
 Motorcycle: 2019 – current model year

as low as 5.99%

 
 Motorcycle: 2014-2018

as low as 7.49%

 
 Motorcycle: 2013 and older

as low as 8.79%

 

 **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

10.75% to 20.75%

 
 Member Classic

9.65% to 19.65%

 
 Member Secured

19.65%

 

Become a new card member today to take advantage of our introductory rate offers!  Visit the KEMBA Visa Credit Card page for more information about our great offers!

*APR = Annual Percentage Rate.  Rates, Terms and conditions are subject to change without notice.  All loans are subject to credit approval and underwriting criteria.  Rates listed above include a .25% discount for automatic payment.   Rates may vary based on creditworthiness.

Mortgages

Start your quote today to see your rate options.

Deposit & Savings Rates

Deposits

Dividend Rate

APY*

Term

Checking

0.000

0.000

n/a

Premium Checking $0 – $5,000.00

0.250

0.250

n/a

Premium Checking $5,000.00+

0.000

0.000

n/a

**Savings

0.050

0.050

n/a

**Vacation Club

0.050

0.050

n/a

**Holiday Club

0.050

0.050

n/a

Special K Club

0.100

0.100

n/a

IRA Club $0-$49.99

0.000

0.000

n/a

IRA Club $50-$4,999.99

0.100

0.100

n/a

IRA Club $5,000-$24,999

0.200

0.200

n/a

IRA Club $25,000+

0.250

0.250

n/a

Super Saver Club $0-$4,999

0.050

0.050

n/a

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

0.050

0.050

n/a

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

0.150

0.150

n/a

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

0.150

0.150

n/a

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

0.200

0.200

n/a

Super Saver Club $100,000+

0.250

0.250

n/a

Money Market $0-$2,499

0.000

0.000

n/a

Money Market $2,500-$9,999

0.100

0.100

n/a

Money Market $10,000-$49,999

0.200

0.200

n/a

Money Market $50,000+

0.300

0.300

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

Dividend Rate

APY*

Term

No certificate special at this time

0.000

0.000

00

3 Months

0.050

0.050

 3

6 Months

0.150

0.150

6

12 Months

0.250

0.250

12

18 Months

0.300

0.300

18

24 Months

0.350

0.350

24

30 Months

0.400

0.400

30

36 Months

0.450

0.450

36

48 Months

0.550

0.550

48

60 Months

0.650

0.650

60

3 Year Investment Certificate

0.550

0.550

36

4 Year Investment Certificate

0.650

0.650

48

5 Year Investment Certificate

0.750

0.750

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.  Rates effective 09/01/2021