Certificates

Open a limited time,
7-Month Certificate at up to 4.50% APY

Time flies. And your savings soar.

When it comes to saving your money, a sure thing is hard to find. At KEMBA Financial Credit Union, your local central Ohio credit union, our Certificate accounts are an exception. If you have money sitting in a traditional savings account – and you don’t expect to access it in the near future – a Certificate, more commonly known as a CD, could be a great way to grow your money relatively hands off and risk free. Just as importantly, your funds stay within easy reach through Digital Banking, meaning you can tap into them whenever the situation calls for it.

Fixed rate for the entire term of traditional Certificates¹
Advantage members receive exclusive rate bonuses²
Terms range from 3 months to 7 years
One time rate bump available on our 24-month Rate Bump Certificate
In general, longer term Certificates earn higher rates
Minimum balance requirement of only $500³
Early withdrawal penalty may apply
Accounts automatically renew at maturity⁴
Secure savings with all deposits insured by the National Credit Union Administration (NCUA)
Use KEMBA's Certificate Rates Calculator to estimate your dividend rates

Schedule Appointment

View our Certificate rates

Choose an option below to open a Certificate today!

Your first step is to decide on the savings period – from 3 months to 7 years, and your deposit amount; but remember, you cannot add funds to the Certificate during its term. Then sit back and watch your money grow! At its maturity, you can continue to invest it in a Certificate, or cash it out for a different option. With current interest rates, our Certificates provide some of the best rates across all our savings account products.

Call 800.282.6420, option 4.

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Current members: Apply within KEMBA's Digital Banking

At KEMBA Financial Credit Union, we offer personal banking solutions for Central Ohio residents, as well as a full suite of personal banking products and services with low fees, competitive rates on credit cards, home mortgages and home equity loans, auto loans, personal and student loans, and financial wellness and counseling services.

To learn more, call us at 614.235.2395, option 4, or visit one of our local branches in Pickerington, Gahanna, Bellefontaine, Clintonville, Grove City, Hamilton Quarter, Hilliard, Lewis Center, Powell, Reynoldsburg, Westerville or Whitehall. Our dedicated associates will help you navigate your individual financial situation and help you discover why KEMBA is a better way to bank.

Disclosures

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For full Membership Agreements and Disclosures, please click here.

¹For the current dividend rate and corresponding Annual Percentage Yield (APY), refer to the account disclosure rate supplement or our current rates page.

²To earn KEMBA Advantage member status, the following requirements must be met each month: (1) Have an active checking account and make at least 15 qualifying transactions, which include any combination of the following: cleared checks, Debit Card transactions, online bill payments, electronic loan payments made from your KEMBA checking account, automatic deposits or withdrawals, and Virtual Deposits; (2) Have Direct Deposit of your entire payroll, Social Security, or pension check (minimum of $1,000/month); (3) Receive eStatements. If you meet the qualifications

during a given calendar month, you will enjoy KEMBA Advantage benefits the next month. Members with a KEMBA business relationship can enjoy Advantage benefits for both your personal and business accounts when you meet the following requirements: (1) Make monthly deposits of at least $2,000 into your business checking or personal checking account; (2) Have at least 15 qualifying checking transactions into your business checking or personal checking, which include any of the following: cleared checks, Debit Card transactions, online bill payments, electronic loan payments made from your KEMBA checking account, automatic deposits or withdrawals, and Virtual Deposits; (3) Receive eStatements. Loan rate discount and Certificate rate bonuses available only to KEMBA Advantage members meeting program requirements for the full life of the loan or Certificate; otherwise the rate will be adjusted. Actual rate bonuses and discounts will vary and are subject to change. Free box of checks is limited to standard Regal check design. KEMBA reserves the right to change or cancel this program at any time. Learn more on our Advantage page.

³The minimum balance required to open this Account is $500.00. You must maintain a balance equal to the minimum balance required to open Your Account each day to obtain the disclosed annual percentage yield and to keep Your Account open.

⁴Your Account will mature after the term indicated on the accompanying account disclosure rate supplement. Your Account will renew automatically at maturity. You will have a grace period of 10 calendar days following the Maturity Date to make withdrawals and/or deposits without penalty.

Early Withdrawal Provisions: We will impose a penalty if you withdraw any of the principal funds before the maturity date. The penalty imposed will equal the greater of: (i) 50.00% of the dividends accrued on the principal amount withdrawn; (ii) 7 days’ dividends accrued on the principal amount withdrawn; or (iii) $25.00.

Transaction Limitations: Once your account is established, you may not make deposits into your account until the maturity of your account. If you exceed this limitation, your account may be subject to closure by the Credit Union.