Kemba Credit Union has some competitive long term share certificate rates. The yields include a 5.25% APY for a 60-month term, 5.05% APY for a 48-month term and 5.00% APY for a 36-month term. Minimum deposit is $500. An additional 0.25% is added for Jumbo share certificates with a $100K minimum. These certificates are also available in an IRA.

Membership is open to those who live, work, worship or attend school in any of the following counties: Clermont, Hamilton, Warren, Montgomery, Clinton, Brown, Greene, Highland, Preble or Butler. You can also be eligible via a long list of employers. Membership requires a $1 fee and a $5 minimum deposit in a share savings account.

Branches are located in Cincinnati, Ohio.