Rates

Loan Rates

Loans APR*  
Auto Loan: 2016 – current model year

 as low as   3.09%

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Auto Loan: 2015 and Older

as low as   3.80%

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Personal Loans**

as low as   10.05%

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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   4.75%

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 Motorcycle: 2016 – current model year

as low as   6.30%

 
 Motorcycle: 2011-2015

as low as   7.30%

 
 Motorcycle: 2010 and older

as low as   8.55%

 

 **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

12.75% to 21.00%

 
 Member Classic

11.65% to 21.00%

 
 Member Secured

21.00%

 

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

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

0.300

0.300

n/a

IRA Club $5,000-$24,999

0.400

0.400

n/a

IRA Club $25,000+

0.450

0.450

n/a

Super Saver Club $0-$4,999

0.150

0.150

n/a

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

0.200

0.200

n/a

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

0.350

0.350

n/a

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

0.350

0.350

n/a

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

0.400

0.400

n/a

Super Saver Club $100,000+

0.500

0.500

n/a

Money Market $0-$2,499

0.000

0.000

n/a

Money Market $2,500-$9,999

0.400

0.400

n/a

Money Market $10,000-$49,999

0.500

0.500

n/a

Money Market $50,000+

0.600

0.600

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

14 Month Anniversary Certificate Special – $5000 Minimum

1.840

1.850

14

3 Months

0.200

0.200

 3

6 Months

0.400

0.400

6

12 Months

0.500

0.500

12

18 Months

0.600

0.600

18

24 Months

0.850

0.850

24

30 Months

0.900

0.900

30

36 Months

1.000

1.000

36

48 Months

1.290

1.300

48

60 Months

1.540

1.550

60

3 Year Investment Certificate

1.240

1.250

36

4 Year Investment Certificate

1.590

1.600

48

5 Year Investment Certificate

1.880

1.900

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 10/18/2018