What are the current interest rates at Kemba Indianapolis Credit Union?

Current rates for Kemba Indianapolis Credit Union include: 12-Month CD: 3.25%, 18-Month CD: 2.50%, 24-Month CD: 3.00%, 60-Month CD: 2.76%

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Kemba Indianapolis Credit Union

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Kemba Indianapolis Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Kemba Indianapolis Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

Kemba Indianapolis Credit Union's top rates as of October 14, 2026 are 5.50% APY on its 18th Birthday CD, auto loans from 5.29% APR, and credit cards from 13.15% APR, according to rates verified by MonitorBankRates. Other Kemba Indianapolis Credit Union CD rates include 12 Month CD at 3.25%, 3 Year CD at 3.25%, and 4 Year CD at 3.25%. MonitorBankRates evaluates the financial stability of Kemba Indianapolis Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.21%. Rates last updated and verified on 10/14/2026.

Kemba Indianapolis Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Kemba Indianapolis Credit Union? Share your experience about Kemba Indianapolis Credit Union by leaving a review below, or read customer reviews before you decide to use Kemba Indianapolis Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.21%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Kemba Indianapolis Credit Union
Main Office

444 S Shortridge Rd
Indianapolis, IN 46219

https://www.mykemba.org

Privately insuredNot NCUA

Customer Reviews

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Kemba Indianapolis Credit Union CD Rates

Product	Rate	APY	Term
18th Birthday Certificate	5.37%	5.50%
Details Youth certificate: primary account owner must be age 8-18; matures on child's 18th birthday; term varies; maximum deposit $1,000; must remain on deposit full term to earn dividends Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 5.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
12 Month Certificate	3.20%	3.25%	12 months
Min Deposit $500 Details Certificates (share or IRA) require a $500 minimum deposit Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
3 Year Certificate	3.20%	3.25%	3 years
Min Deposit $500 Details Certificates (share or IRA) require a $500 minimum deposit Last Updated 10/14/2026 Rate History 1 change since Sep 27, 2026 · 3.15% → 3.25% ▲ 0.10 pts · high 3.25% / low 3.15% Oct 14, 20263.25%▲ from 3.15% Sep 27, 20263.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
4 Year Certificate	3.20%	3.25%	4 years
Min Deposit $500 Details Certificates (share or IRA) require a $500 minimum deposit Last Updated 10/14/2026 Rate History 1 change since Sep 27, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00% Oct 14, 20263.25%▲ from 3.00% Sep 27, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
5 Year Certificate	3.20%	3.25%	5 years
Min Deposit $500 Details Certificates (share or IRA) require a $500 minimum deposit Last Updated 10/14/2026 Rate History 1 change since Sep 27, 2026 · 2.76% → 3.25% ▲ 0.49 pts · high 3.25% / low 2.76% Oct 14, 20263.25%▲ from 2.76% Sep 27, 20262.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
6 Month Certificate	3.20%	3.25%	6 months
Min Deposit $500 Details Certificates (share or IRA) require a $500 minimum deposit Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
36 Month Certificate	3.10%	3.15%	36 month
Min Deposit $500 Details Certificates (share or IRA) require a $500 minimum deposit Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 3.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
24 Month Certificate	2.96%	3.00%	24 months
Min Deposit $500 Details Certificates (share or IRA) require a $500 minimum deposit Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
48 Month Certificate	2.96%	3.00%	48 months
Min Deposit $500 Details Certificates (share or IRA) require a $500 minimum deposit Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Certificate - 2 Year Gift	2.96%	3.00%	2 Year
Min Deposit $500 Details Add to this certificate: 2 Year Gift with deposits of $25 or more; Certificates require a $500 minimum deposit Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
60 Month Certificate	2.72%	2.76%	60 months
Min Deposit $500 Details Certificates (share or IRA) require a $500 minimum deposit Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 2.76% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
18 Month Certificate	2.47%	2.50%	18 months
Min Deposit $500 Details Certificates (share or IRA) require a $500 minimum deposit Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
30 Month Certificate	1.98%	2.00%	30 months
Min Deposit $500 Details Certificates (share or IRA) require a $500 minimum deposit Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
3 Month Certificate	0.75%	0.75%	3 months
Min Deposit $500 Details Certificates (share or IRA) require a $500 minimum deposit Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%

Kemba Indianapolis Credit Union Savings Rates

Product	Rate	APY
Special Club	0.20%	0.20%
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Holiday Club	0.15%	0.15%
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Vacation Club	0.15%	0.15%
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%

Kemba Indianapolis Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New and Used Auto Loans	-	-	5.29%	48-84 months
Details As Low As; Model Year: 2024- current model year; Rates include .10% automatic payment discount from a KEMBA checking account; Actual rate depends on credit score and term Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 5.29% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
New and Used Auto Loans	-	-	5.59%	48-72 months
Details As Low As; Model Year: 2019-2023; Rates include .10% automatic payment discount from a KEMBA checking account; Actual rate depends on credit score and term Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 5.59% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
New and Used Auto Loans	-	-	8.39%	48-60 months
Details As Low As; Model Year: 2018 and older; Rates include .10% automatic payment discount from a KEMBA checking account; Actual rate depends on credit score and term Last Updated 10/14/2026 Rate History No change since Oct 6, 2026 · 8.39% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%

Kemba Indianapolis Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loans	-	9.39%	48-84 months
Details As Low As; Model Year: 2024- current model year; Rates include .10% automatic payment discount from KEMBA checking; actual rate depends on credit score and term Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 9.39% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Motorcycle Loans	-	10.89%	48-60 months
Details As Low As; Model Year: 2019-2023; Rates include .10% automatic payment discount from KEMBA checking; actual rate depends on credit score and term Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 10.89% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Motorcycle Loans	-	12.19%	48-60 months
Details As Low As; Model Year: 2018 and older; Rates include .10% automatic payment discount from KEMBA checking; actual rate depends on credit score and term Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 12.19% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%

Kemba Indianapolis Credit Union Credit Card Rates

Product	Rate	APR
VISA Member Classic	-	13.15%
Details Published APR range: 13.15%- 21.00%. Type: Everyday low rate; VISA Credit Cards Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 13.15% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
VISA Member Rewards	-	14.25%
Details Published APR range: 14.25%- 21.00%. Type: Rewards - 1 point per dollar; VISA Credit Cards Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 14.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Member Rewards Visa	-	14.50%
Details As Low As; Variable rate, subject to change at any time. No annual fee. Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 14.25% → 14.50% ▲ 0.25 pts · high 14.50% / low 14.25% Oct 6, 202614.50%▲ from 14.25% Sep 14, 202614.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Member Secure Visa	-	21.00%
Details As Low As; Variable rate, subject to change at any time. No annual fee. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 21.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
VISA Member Secured	-	21.00%
Details Type: Establish/ reestablish credit; VISA Credit Cards Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 21.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%

Kemba Indianapolis Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Closed End and Line of Credit Loans	-	-	10.70%	up to 36 months
Details As Low As; Rates listed include a .10% rate discount for automatic payment from a KEMBA checking account. Actual rate depends on credit score and term of loan. $25 loan application fee must be on deposit at time of application. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 10.70% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Closed End and Line of Credit Loans	-	-	11.95%	37 to 48 months
Details As Low As; Rates listed include a .10% rate discount for automatic payment from a KEMBA checking account. Actual rate depends on credit score and term of loan. $25 loan application fee must be on deposit at time of application. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 11.95% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Closed End and Line of Credit Loans	-	-	12.00%	49 to 60 months
Details As Low As; Rates listed include a .10% rate discount for automatic payment from a KEMBA checking account. Actual rate depends on credit score and term of loan. $25 loan application fee must be on deposit at time of application. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 12.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%
Credit Builder Loan	-	-	8.39%	36-60 months
Details As Low As; Rates include .10% discount for automatic payment from a KEMBA checking account; $25 application fee for unsecured loan products; Actual rate depends on credit score and term of loan Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 8.39% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.21%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Kemba Indianapolis Credit Union’s Texas Ratio rose from 1.58% in Q3 2023 to 2.21% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$82M	2.21%	5.0	A+
March 31, 2026	$84M	1.58%	5.0	A+
December 31, 2025	$82M	2.49%	5.0	A+
September 30, 2025	$79M	1.54%	5.0	A+
June 30, 2025	$80M	1.83%	5.0	A+
March 31, 2025	$83M	2.15%	5.0	A+
December 31, 2024	$81M	3.02%	5.0	A+
September 30, 2024	$78M	2.00%	5.0	A+
June 30, 2024	$80M	1.27%	5.0	A+
March 31, 2024	$81M	1.84%	5.0	A+
December 31, 2023	$79M	1.38%	5.0	A+
September 30, 2023	$78M	1.58%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Kemba Indianapolis Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Kemba Indianapolis Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Kemba Indianapolis Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Kemba Indianapolis Credit Union

Website https://www.mykemba.org

Address 444 S Shortridge Rd, Indianapolis, IN 46219

Phone 317-351-5235

Fax 317-351-5244

President Paul Sahm

CEO Jennifer Mulligan

Full-Time Employees 14

Part-Time Employees 1

Branch Locations 1

ATM Locations 1

NCUA Insured No, not federally insured

Private Share Insurance Not federally insured by the NCUA. Deposits are covered by private share insurance instead; contact the credit union for its insurer and coverage limits

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.21%

Return on Assets (ROA)

0.4196%

Return on Equity (ROE)

2.6196%

Non-Performing Loans Ratio (NPL)

1.04%

Total Assets

82,256,898

Total Amount of Shares and Deposits

68,573,481

Total Shares and Deposits < 1 Year

67,572,828

Total Shares and Deposits 1 3 Years

699,450

Total Shares and Deposits > 3 Years

301,203

Total Interest Expense (Sum of items 6 8)

269,246

Share Certificates

314

Number of Accounts for Share Drafts

3,456

IRA KEOGH Accounts

217

Number of Accounts for Regular Shares

5,621

Money Market Shares

219

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

9,596,592

Total Liabilities

69,080,988

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Kemba Indianapolis Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Kemba Indianapolis Credit Union

How many branches does Kemba Indianapolis Credit Union operate?

Kemba Indianapolis Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Kemba Indianapolis Credit Union?

Yes, to access services at Kemba Indianapolis Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Kemba Indianapolis Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Kemba Indianapolis Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Kemba Indianapolis Credit Union offer online and mobile banking?

Most modern institutions like Kemba Indianapolis Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.mykemba.org.