8763 Union Centre Blvd
West Chester, OH 45069


2018 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 61810
Date Established 1934
Assets $918.72 million
Loans $783.93 million
Deposits $757.71 million
Capital $112.60 million

Kemba is an NCUA insured institution located in West Chester, OH. It was founded in 1934 and has approximately $918.72 millions in assets.

Who can join?

Anyone who lives in the Greater Cincinnati area and holds a Kroger Plus Card can now join Kemba.

If you work for any of the 600 eligible companies, you're eligible.

If you live, work, worship or attend school in one of the following Ohio counties, you're eligible:

Adams, Brown, Butler, Clark, Clermont, Clinton, Darke, Greene, Hamilton, Highland, Miami, Montgomery, Preble, Warren

If you live, work, worship or attend school in one of the following Kentucky counties, you're eligible:

Boone, Campbell, Carroll, Gallatin, Grant, Kenton, Owen, Pendleton

If you live or work in one of the following Indiana counties, you're eligible:

Franklin, Dearborn

You are also eligible to join if one of your immediate family members is a member of Kemba.

Field of Membership Restrictions

Membership in KEMBA Credit Union is open to the following: (1) anyone living in the greater Cincinnati area who have a Kroger Plus card; (2) those who live, work, attend school or worship in Adams, Brown, Butler, Clark, Clermont, Clinton, Darke, Greene, Hamilton, Highland, Miami, Montgomery, Preble, or Warren Counties in Ohio; (3) those who live, work, attend school or worship in Boone, Campbell, Carroll, Gallatin, Grant, Kenton, Owen, or Pendleton Counties in Kentucky; (4) those who live or work in Franklin or Dearborn Counties in Indiana; (4) employees of over 200 area Select Employer Groups.

Deposit Rates - October 22, 2018

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.80% $2,500 $24,999 Learn MoreShow Less
Money Market
0.90% $25,000 - Learn MoreShow Less
Fixed IRA
1.75% $500 - Learn MoreShow Less
Special: 72 Mo FIRA
3.25% $500 $15,000 Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
1.25% $500 - Learn MoreShow Less
6 Mo CD
1.50% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
1.85% $500 - Learn MoreShow Less
Checking Rates APY MIN FEE
Get Green Checking 1.50% $0 $0.00 Learn MoreShow Less

Loan Rates - October 22, 2018

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for KEMBA

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Learn More
J.G. Wentworth Home Lending, LLC
NMLS ID: 2925
License#: MC-1875
4.773% 4.750% 0.25 $678 $1,305 Learn More
Ally Bank
NMLS ID: 181005
5.038% 5.000% 0.00 $1,164 $1,343 Learn More NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.676% 4.625% 0.25 $1,600 $1,286 Learn More
Rocket Mortgage
NMLS ID: 3030
5.250% 5.250% 0.00 $0 $1,381 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 4.240% $245.68 Learn More
Flagstar Bank 5.490% $283.58 Learn More

Note to KEMBA
To upload and update your bank's rates please register. It is free to register and add rates.


Below are Kemba branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Kemba Locations

Financial Details

Kemba Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Kemba. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Kemba U.S. Average
3.45% 5.78

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2018, Kemba had $3,578,315 in non-current loans and $409,916 in owned assets. To cover these potential losses it had $112,598,796 in net worth and $2,843,982 in loans loss reserves. That gives it a Texas Ratio of 3.45%.

Net Worth
Kemba U.S. Average
12.25% 13.21%

Kemba FCU has a net worth of 12.25% versus the BestCashCow average of 13.21. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions On Kemba

What is Kemba?

A federal credit union, registered with the NCUA under certificate #61810.
Learn more about credit unions here.

Is Kemba FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Kemba?

Please see Field of Membership information above for information on who is eligible to join.

What are Kemba's share account and share certificate rates?

Kemba's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Kemba?

Kemba has total capital of $112.60 million. Full information on Kemba's financial position is located above.

Who owns Kemba?

Credit Unions are owned by their members.

Where are Kemba branches located?

See branch locations nearby.

Are Kemba ATMs Open 24/7?

Do Kemba ATMs accept cash deposits?

Can Kemba customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Kemba have a mobile app?

Does Kemba have mobile deposit?

Does Kemba have quick pay?

How can Kemba transfer money to other banks or credit unions?

Does Kemba report to credit bureaus?

Does Kemba use Chexsystems?

Does Kemba use Equifax?

What is Kemba's toll free phone number?

What is Kemba's ACH Routing Number?

What is Kemba's SWIFT code?

Where can I find Kemba's wire transfer form?

What is the Kemba address for deposits?

What Products Does Kemba Offer

Does Kemba offer mortgages?

Compare mortgage rates here.

Does Kemba offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Kemba offer auto and RV loans?

Compare auto loan rates here.

Does Kemba offer student loans or personal loans?

Compare personal loan rates here.

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