Kemba Credit Union
Headquarters
5600 Chappell Crossing Blvd
West Chester, OH 45069
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2024 Overview
General Credit Union Information
Kemba is an NCUA insured institution located in West Chester, OH. It was founded in 1934 and has approximately $1637.75 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 | $1,637.75 million |
| Loans | $1,442.94 million |
| Deposits | $1,266.48 million |
| Capital | $178.31 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 - April 23, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
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|
|
Money Market
|
0.70% | $2,500 | $2,999 |
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|
|
Money Market
|
0.70% | $10,000 | $14,999 |
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|
|
Money Market
|
0.80% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.65% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.90% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.90% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.95% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.95% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
1.05% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
1.05% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.10% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.10% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.15% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.15% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.25% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.25% | $100,000 | $199,999 |
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|
| Checking Rates | APY | MIN | FEE | |
|---|---|---|---|---|
| Get Green Checking | 4.00% | $0 | $0.00 | Learn More |
Loan Rates - April 23, 2024
Your Current Location: Ohio, OH 43085
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 - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 401822 |
6.932% | 6.750% | 0.88 | $6,000 | $2,076 | Learn More |
NMLS ID: 3030 |
7.463% | 7.375% | 0.88 | $2,800 | $2,211 | Learn More |
NMLS ID: 491986 |
Learn More | |||||
NMLS ID: Not a Lender |
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Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Kemba
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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:
Columbus,Ohio
Climate Policy and Initiatives
KEMBA is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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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 |
|---|---|
| 4.85% | 6.97 |
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 December 31, 2023, Kemba had $7,608,488 in non-current loans and $1,332,876 in owned assets. To cover these potential losses it had $178,314,717 in net worth and $6,056,993 in loans loss reserves. That gives it a Texas Ratio of 4.85%.
Net Worth
| Kemba | U.S. Average |
|---|---|
| 10.89% | 13.62% |
Kemba FCU has a net worth of 10.89% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Kemba
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