Join now!Simply complete a membership application.
You can apply online or by stopping by a branch location. If you are joining through your employer, you may also pick up an application in your Human Resources or Personnel Department.
Once you join the Credit Union, you may remain a member for life. Members in good standing, who maintain the share account minimum balance, can enjoy lifetime benefits at the credit union. If you change jobs, retire or move away, you can still take advantage of the great benefits KEMBA has to offer.
Credit unions are founded on democratic, cooperative principles. Members have equal rights to vote and to participate in their credit union’s leadership. As a member-owned organization, credit unions return their profits to their member-owners.
Please email a Human Resources representative if you have questions regarding open positions, resume submission or careers at KEMBA. Please no phone calls.
You can apply online now and get an
Instant Loan Decision.
Or call us anytime day or night at 614.235.2395 or toll-free 800.282.6420, option 2.
KEMBA has a variety of vehicle loan rates available to fit your needs.
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My Financial Center ›
Retirement Calculator
› 10 Ways to Save More for Retirement› Is Your Retirement Plan on Track? › Retirement, Insurance & Investments from a Trusted Partner
We also offer: - Traveler’s Checks
- Money Orders and Cashier’s Checks
- Savings Bonds
- Wire Transfers
- Notary Services
- Discount Tickets to King’s Island and Cedar Point
You can do your banking at any one of our Shared Branches. Find a location near you!
Ordering new checks is easy. You can do it online!
› Switch Kit: Switch your account from another financial institution
› Back in the Black: Tools to Keep Your Checkbook on Track
Ultimate PlusThis exciting checking account provides members with a wide array of benefits designed to bring you extraordinary value.
Click here to take advantage of the perks Ultimate Plus offers.
If you're getting big tax refunds, you may be overpaying your federal income taxes. While you may be withholding more tax than necessary as a means of forced savings, there are better ways to automatically save – especially since you don't earn interest on the amount you overwithhold.
Flexible spending accounts allow you to set aside a certain amount of your paycheck before paying income taxes. During the year, you're then directly reimbursed from your account for qualified health care expenses that aren't covered by insurance or dependent care expenses.
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If you meet the eligibility requirements you can deduct contributions to a traditional IRA from your federal taxable income, as well as from your taxable income in most states. This up-front tax break reduces the current income taxes you owe.
A revocable living trust is similar to a will in several ways. You can transfer property to your beneficiaries after death through a living trust. You can also name alternate beneficiaries in a living trust in the event your primary beneficiaries predecease you. Unlike a will, however, assets in a living trust bypass the probate process and generally pass to your beneficiaries without delay. Living trusts can be a valuable part of an estate plan, but living trusts are not for everyone. So get all the details and consider your specific needs and the alternatives before establishing one.
Here's a way to have money for large things in the future, money for smaller things now, and money to share with others. All it takes is three jars. They can be plastic or glass and don't even have to be the same size. But remember to always keep them in a safe place. When you have a large amount saved, deposit it into a savings account and earn interest.
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› Young Adults: Seek Your Own Space
Our competitive interest rates and
convenient application process make KEMBA the right choice for all your borrowing needs.
Check out our rates!
Applying for a credit card at KEMBA is easy. Simply call us at 614.235.2395 or toll-free 800.282.6420, option 2. You can also apply online and get instant credit approval.
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› Q & A: Does Credit Counseling Affect My Credit Report?
KEMBA is open 24-hours a day, seven days a week when it comes to applying for a loan. You can apply online now and get an Instant Loan Decision, or call us at 614.235.2395 or 800.282.6420, option 2
› Find a great used car
› How Not to Renovate Your Bedroom
› Understanding "Dream Vehicle" Cost Helps Keep You in the Driver's Seat
› Gap Coverage Protects "Upside Down" Car Buyers
In addition to providing you a variety of options to finance your mortgage, we give you easy and convenient ways to make your payments. For the easiest option, set up automatic payments or payroll deduction. You can also make your payments online using KEMBA’s CU Online.
Revolving Line of Credit• Available for any general business purpose
• Variable rates
• Access available through business checking account
All deposits are federally insured for up to $100,000, and your IRAs for up to an additional $250,000 through the National Credit Union Administration (NCUA). You also receive an additional $250,000 in coverage from Excess Share Insurance.
Buying a home.Decide how much house you can afford. Mortgage lenders typically require that your monthly housing expenses, including mortgage principal and interest, property taxes, and homeowners and mortgage insurance, total no more than 28% of your monthly gross income.
Retirement plan rollover.
Generally, there are four options for your retirement plan rollover - each with their own pros and cons: - Leave it in your former employer plan
- Transfer it to your new employer plan
- Roll it over to a traditional IRA
- Cash out and pay taxes - and possibly penalties
› Ready to buy? We can help you with a car loan. › Find a great used car
› Learn Facts about Leasing › Understanding "Dream Vehicle" Cost Helps Keep You in the Driver's Seat
› Catch the Benefits of Buying a Used Vehicle
Financial institutions have federal, state and local guidelines they must follow regarding the use of electronic funds transfers and are required to give you a copy of this information when an account is opened. Once they have complied, it then becomes your responsibility to review and understand your rights and the privileges of carrying an ATM, DEBIT or CREDIT CARD.
An ATM card is a card issued usually to someone who just has a savings account.
A DEBIT card is usually issued to a person who has opened a checking account.
A CREDIT CARD is a card used to access a line of credit granted to you by a financial institution based upon your creditability.
You can contribute up to $2,000 per year to an education savings account per child. You can make contributions anytime after a child is born until the child's 18th birthday (with an exception for special needs beneficiaries).
› Parents: Help Prepare Your College-Bound Students
Credit scores are based on the information in your credit reports. This information includes, but isn’t limited to: - Your payment history
- How much money you currently owe
- How long your accounts have been open
- What type of credit you use
- How much credit you use compared to the amount of credit you have available
- How often and how recently you’ve applied for credit
› The Pros Know: Personal Finance Tools That Are Hits With the Experts
A hybrid mortgage--sometimes called a fixed-period ARM--combines the features of both a fixed-rate and adjustable-rate mortgage by starting off with a fixed interest rate for up to 10 years and then adjusting every year for the remaining life of the loan. The beauty of the hybrid mortgage is that the initial interest rate for the fixed period of the mortgage is considerably lower than the rate on a 30-year fixed mortgage.
› Ready to buy? We can help you with a mortgage.
› What Do You Mean That's Not Covered? FAQs About Homeowners Insurance › Constructive Financing: Build With a Construction Loan
› The House Was a Steal, But Is It a Deal?
Shred all billing statements, ATM (automated teller machine) receipts, savings and investment account statements, store receipts with an imprint of your credit card number, prescreened credit card or loan offers, and any other documents containing personal information before throwing them away.
Credit bureau fraud contacts
• Equifax 800-525-6285
• Experian 888-397-3742
• TransUnion 800-680-7289
How your money is divided among the different types of savings and investments, and among the categories within these main types, is one of your most important investing decisions. So make it a priority to calculate what percentage of cash, bonds, and stocks you have in your portfolio and set your target asset allocation plan.
› Retirement Calculator
› My Financial Center
› IRA Service Center
› Evaluate Your Entire Investment Portfolio › Put Your Retirement Plan on Track› Five Tough Questions to Ask About Your Mutual Fund
Over 75 million Americans belong to the growing family of credit union members. Most Americans find that for borrowing, saving, checking and many other financial services, their credit union offers the best value. Credit unions offer a safe place to save and borrow at reasonable rates.
You can do your banking at any one of our Shared Branches. Find a location near you!
Please
email a Human Resources representative if you have questions regarding open positions, resume submission or careers at KEMBA. Please no phone calls.
Our commitment to sound business practices and the maintenance of the safety and security of KEMBA Financial Credit Union will encourage members to make this credit union their primary financial institution.
KEMBA Financial Credit Union is committed to making financial products and services available to its members that will enable them to meet their financial needs. Protecting personal information and using it in a manner consistent with member expectations is a high priority for everyone associated with KEMBA.
“Not for profit, not for charity, but for service.” - The Credit Union Motto