Savings Accounts

A savings account is a versatile financial tool, serving as a means to save for future expenses, unexpected financial needs, or long-term financial security. At KEMBA, we make saving money effortless for our members.

We offer a variety of savings account options tailored to different goals, competitive interest rates to help your money grow, seamless deposit methods, 24/7 access through online and mobile banking, goal-setting tools, robust security measures, and valuable financial education resources. Our commitment is to empower our members to achieve their financial aspirations and provide peace of mind, knowing their savings are in trusted hands.


Share (Savings) Account

All members are automatically provided with a share (savings) account upon joining KEMBA. This foundational account not only serves as a secure repository for your savings but also offers a range of valuable benefits. One of the key advantages is that it pays our members dividends, allowing your hard-earned money to grow steadily over time. Plus, there's no need to worry about maintaining a minimum balance, as we believe in making saving accessible to everyone.

As part of our commitment to convenience, we provide free access to online banking and mobile banking, ensuring that you have 24/7 control over your account from the comfort of your home or on the go. Moreover, our shared branching network allows you to access your account at numerous locations nationwide, making it incredibly convenient to manage your finances wherever life takes you.

We understand that your financial goals may vary, which is why we offer the flexibility to open additional sub-share savings accounts. This feature is particularly useful if you want to organize your savings into separate accounts for specific purposes, such as vacations, emergencies, or major purchases. At KEMBA, our share (savings) accounts are designed to empower you with financial flexibility and security, ensuring that your money works for you and your unique financial aspirations.


Money Market Savings Account

Our Money Market Savings Account is designed for members who are looking to maximize their savings with a higher interest rate, all while maintaining the flexibility to access their funds without incurring penalties for early withdrawals. To open and maintain this account, all you need is a minimum balance of $2,500.00. This account provides a fantastic opportunity for members who want their money to work harder for them.

One of the standout features of our Money Market Savings Account is the competitive interest rate it offers, allowing your savings to grow faster than with a regular share (savings) account. What sets this account apart is that you can enjoy the benefits of higher interest rates while retaining easy access to your funds when needed.

With free online banking and mobile banking, managing your Money Market Savings Account has never been more convenient. You have the power to monitor your account, check your balance, transfer funds, and conduct transactions securely and effortlessly, all from the comfort of your home or on the go.

At KEMBA, we understand that financial goals vary from member to member. Whether you're saving for a rainy day, a special purchase, or simply want to watch your savings grow steadily, our Money Market Savings Account is tailored to offer you a rewarding and accessible savings experience.


Custodial Youth Savings Account

Our Custodial Youth Savings Account empowers our members to provide a valuable financial education to the next generation. With this account, you can open a separate savings account for a minor child or grandchild, offering them a practical way to learn the fundamentals of saving money until they reach the age of eighteen (18). These accounts not only serve as a safe and educational introduction to the world of personal finance but also earn dividends, helping your young savers watch their money grow over time.

One of the key benefits of these Custodial Youth Savings Accounts is that they are managed with ease through our free online banking and mobile banking platforms. This means that both you and the young account holder can conveniently monitor the account, check balances, and make deposits or withdrawals from virtually anywhere. It's an excellent way to instill responsible financial habits from an early age and promote financial literacy.

By offering this opportunity to open a Custodial Youth Savings Account, KEMBA underscores its commitment to nurturing financial well-being and promoting savings as an essential life skill. These accounts not only provide a secure avenue for young savers but also empower them to learn the value of saving money and preparing for their future, all within the framework of a trusted savings account.