Kemba Credit Union

Headquarters

8763 Union Centre Blvd
West Chester, OH 45069
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 2.55% →
1-Year CD 0.90% 2.85% →
2-Year CD 1.00% 3.20% →
5-Year CD 1.25% 3.65% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Credit Union Information

Kemba is an NCUA insured institution located in West Chester, OH. It was founded in 1934 and has approximately $1453.55 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.

NCUA Insured Yes / State-Chartered
Charter Number # # 61810
Date Established 1934
Assets $1,453.55 million
Loans $1,145.81 million
Deposits $1,278.86 million
Capital $158.31 million
 

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 - August 17, 2022

Your Current Location: California, CA 92111

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.70% $2,500 $2,999 Learn More
Money Market
0.70% $10,000 $14,999 Learn More
Money Market
0.80% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.65% $10,000 $14,999 Learn More
6 Mo CD
0.65% $100,000 $199,999 Learn More
12 Mo CD
0.90% $10,000 $14,999 Learn More
12 Mo CD
0.90% $100,000 $199,999 Learn More
18 Mo CD
0.95% $10,000 $14,999 Learn More
18 Mo CD
0.95% $100,000 $199,999 Learn More
24 Mo CD
1.00% $10,000 $14,999 Learn More
24 Mo CD
1.00% $100,000 $199,999 Learn More
30 Mo CD
1.05% $10,000 $14,999 Learn More
30 Mo CD
1.05% $100,000 $199,999 Learn More
36 Mo CD
1.10% $10,000 $14,999 Learn More
36 Mo CD
1.10% $100,000 $199,999 Learn More
48 Mo CD
1.15% $10,000 $14,999 Learn More
48 Mo CD
1.15% $100,000 $199,999 Learn More
60 Mo CD
1.25% $10,000 $14,999 Learn More
60 Mo CD
1.25% $100,000 $199,999 Learn More
Checking Rates APY MIN FEE
Get Green Checking 1.00% $0 $0.00 Learn MoreShow Less

Loan Rates - August 17, 2022

Your Current Location: California, CA 92111

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 - California 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 413-0477
4.853% 4.750% 0.75 $2,992 $1,305 Learn More
Morty, Inc.
NMLS ID: 1429243
4.687% 4.625% 0.75 $1,800 $1,286 Learn More
CHASE
NMLS ID: 399798
5.576% 5.490% 1.00 $2,388 $1,418 Learn More

Featured - California Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
4.990 %
After Intro: 6.250 %
Intro Period: 12 months
$25,000 Learn More
More Info

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


 

Branches

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:
San Diego,California



Climate Initiatives

KEMBA is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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
3.44% 4.75

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 March 31, 2022, Kemba had $5,014,420 in non-current loans and $621,686 in owned assets. To cover these potential losses it had $158,307,062 in net worth and $5,765,940 in loans loss reserves. That gives it a Texas Ratio of 3.44%.

Net Worth
Kemba U.S. Average
10.89% 12.28%

Kemba FCU has a net worth of 10.89% versus the BestCashCow average of 12.28. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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