Rates

Competitive Loan Rates:

Loans APR*      
Auto Loan – 2015-newer

 as low as

2.840%

Calculator

Auto Loan – 2014 and Older

as low as

3.600%

Calculator

Personal Loans**

as low as

9.80%

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 2015 or newer

as low as

6.05%

 Motorcycle 2010-2014

as low as

7.05%

 Motorcycle 2009 and older

as low as

8.30%

 **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

11.75%-21.00% APR

Member Select

10.65%-20.65% APR

Member Secure

20.65% 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 and 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

0.200

0.200

n/a

IRA Club $5,000-$24,999

0.300

0.300

n/a

IRA Club $25,000+

0.350

0.350

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

0.200

0.200

n/a

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

0.200

0.200

n/a

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

0.250

0.250

n/a

Super Saver Club $100,000+

0.300

0.300

n/a

Money Market $0-$2,499

0.000

0.000

n/a

Money Market $2,500-$9,999

0.250

0.250

n/a

Money Market $10,000-$49,999

0.300

0.300

n/a

Money Market $50,000+

0.350

0.350

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

22 Month Certificate Special – $5000 Minimum

0.750

0.750

22

$500 Minimum 3 Months

0.100

0.100

3

$500 Minimum 6 Months

0.150

0.150

6

$500 Minimum 12 Months

0.250

0.250

12

$500 Minimum 18 Months

0.300

0.300

18

$500 Minimum 24 Months

0.500

0.500

24

$500 Minimum 30 Months

0.550

0.550

30

$500 Minimum 36 Months

0.650

0.650

36

$500 Minimum 48 Months

0.950

0.950

48

$500 Minimum 60 Months

1.140

1.150

60

$500 Minimum 3 Year Investment Certificate

0.900

0.900

36

$500 Minimum 4 Year Investment Certificate

1.190

1.200

48

$500 Minimum 5 Year Investment Certificate

1.440

1.450

60

*APY = Annual Percentage Yield.

An early withdrawal penalty may apply if funds are withdrawn prior to maturity.  Rates are subject to change.