The KEMBA Advantage.


The KEMBA Advantage

Earn more, save more!

KEMBA Financial Credit Union returns more to members than any other Credit Union in Central Ohio. Becoming a KEMBA Advantage member can help you get even more. Receive bonuses on most deposits, and a rate reduction on most loans. Even better: when at least one KEMBA member in your household qualifies, your entire household will receive the benefits of Advantage membership!



KEMBA Advantage members receive:

8 free non-KEMBA ATM transactions per month (all KEMBA ATMs are free)

Hassle-Free Checking and/or Business Value Checking, with no monthly fee.

Advantage rate discounts on most loans

  • Auto loans
  • Personal loans
  • Recreational vehicle loans

Advantage rate bonus on most deposits

  • Certificates and IRA Certificates
  • Money Market Accounts
  • High Performance Checking
  • Savings Accounts
  • Christmas Club Accounts




How to qualify1:

1. An active KEMBA checking account with at least 15 qualifying transactions per month, which include bill payments, Remote Deposit, Debit Card transactions, and more.

2. Direct Deposit of your entire payroll, Social Security, or pension check into a KEMBA checking account.


*Document preparation, processing, and underwriting fees may still apply.


1To earn KEMBA Advantage member status, the following requirements must be met each month: (1) Have an active checking account and make at least 15 qualifying transactions, which include any combination of the following: cleared checks, Debit Card transactions, bill payments, electronic loan transfers made from your KEMBA checking account, automatic deposits or withdrawals, and Remote Deposits; (2) Have Direct Deposit of your entire payroll, Social Security, or pension check (minimum of $1,000/month); (3) Receive Documents. If you meet the qualifications during a given calendar month, you will enjoy KEMBA Advantage benefits the next month. Members with a KEMBA business relationship can enjoy Advantage benefits for both your personal and business accounts when you meet the following requirements: (1) Make monthly deposits of at least $2,000 into your  business checking or personal checking account; (2) Have at least 15 qualifying checking transactions into your business checking or personal checking, which include any of the following: cleared checks, Debit Card transactions, bill payments, electronic loan transfers made from your KEMBA checking account, automatic deposits or withdrawals, and Remote Deposits; (3) Receive Documents. Loan rate discount and Certificate rate bonuses available only to KEMBA Advantage members meeting program requirements for the full life of the loan or Certificate; otherwise the rate will be adjusted. Actual rate bonuses and discounts will vary and are subject to change. Free box of checks is limited to standard Regal check design. KEMBA reserves the right to change or cancel this program at any time. KEMBA membership required.

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Hassle-Free C... High Performa... Fresh Start
Tiered interest rates No No
Earn monthly dividends No No No
Free rewards package No No No