Become a Member

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We're all about doing what's right for you

Think about it. Every day, money plays a major role in your life. So if you're wondering whether a credit union that offers exceptional rates and financial services can really make things easier and better, the answer is a definite yes. Of course, details matter. Here's what you should know about us:

A better way to bank

KEMBA Advantages

To our friendly team, you're not a number, you're a neighbor worthy of personal attention. Of course, we do haves some numbers - from low loan rates to many ATM locations to 24/7 Digital Banking - that work in your favor.

  • We are the largest Central Ohio-based Credit Union with multiple locations located all around Columbus.
  • Keep it local! Manage your money with people who invest in and care about our communities as much as you do.
  • No matter where you roam, we have 5,500 shared branches and 50,000+ ATMs nationwide to serve you.
  • Our Digital Banking platform provides the access you need to bank from anytime, anywhere – 24/7, the ultimate in convenience.
  • We offer money-saving rates on home mortgages, auto financing, and personal and student loans. Our credit card rates are well below national average, saving you money.
  • Our dedicated associates provide personalized service for you and your business.
  • We offer tools and resources for our members to help them improve and manage their finances.
Opening an account is easy

Get Started

All that great service must cost a pretty penny, right? Think again. Joining is easy if you're eligible and you have $5 to your name.

  • Your first $5 deposit in a Primary Savings Account establishes your membership.
  • Once that account is open, you can enjoy all the the other benefits KEMBA offers.
  • Apply online*
  • Schedule an appointment
  • Call 800.282.6420, option 4
  • Visit a local branch

*Online membership application is only available for personal memberships for those age 18 and older. For information on business and all other membership types please schedule an appointment, call, or visit your local branch.


If it were up to us, we'd greet everyone with open arms. But thanks to legalities, a credit union must place some limit on its membership. To open a KEMBA membership, you must meet at least one of the following criteria:

  • Live, work, worship or attend school in one of these Ohio counties: Fairfield, Franklin, Licking, Madison, Union, Delaware, or Logan
  • Be employed by one of our partner companies.
  • One of your family members is currently a member of our credit union.

Our Team is
Here to Help

Convenient KEMBA Locations

Speak With Our Experts


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Student Loans

A better way to finance your education! 

KEMBA offers low-rate student loans to fill the gaps between a federal loan and tuition, graduate student loans, and refinancing for both private and federal student loans
Become a member

Come see why we're a better way to bank.

Open an account