Saving & Investing

Featured Articles

Knowledge is power.

That's true with any topic, but it's especially the case when it comes to saving. At KEMBA, we make it our mission to bring you up to speed on all sorts of money matters.

To get the most out of credit union services and products, review these helpful articles.

10 Steps in Your Ohio Homebuying Process

A couple laying on the ground with the guy holding a notebook and the girl holding cash.

Buying your first home can be overwhelming. But if you break it down into simple steps, you can feel much more confident and focus on the excitement of the process rather than the stress of it. Here’s what you can expect when buying a home in Ohio.

College Planning and Saving Options

woman using laptop in open office

Two words to describe college tuition: very expensive. That’s why it’s important to start saving for higher education as soon as possible.

The average tuition bill has more than doubled over the past 20 years, making it more important than ever to start saving for college early on...

5 Steps to Prepare for Economic Uncertainty

Two women talking and one women is explaining something to the other.

Recent economic events, including two recent interest rate cuts by the Federal Reserve and a shaky stock market, have raised alarm bells that the U.S. economy may be slowing down after two years of solid economic growth. While the long-term impact of a recession is typically low, the impact on personal finances can be drastic.

Why Now Is a Great Time for Gen Z To Start Investing

Written by Alicia Otto
Currently, Gen Zers (born between 1997 and 2012) are on the cusp or in the middle of finishing their formal education and entering the workforce...

How to Get Out of Debt

It’s no secret—Americans really know how to get into debt. U.S. household debt climbed to $15.8 trillion in the first quarter of 2022. The numbers are even more staggering on a personal level. As of Fall 2021, the average family credit card debt totaled just over $6,000, whereas an average household with auto loans owes about $29,000.

How Much Home Can I Afford in Ohio?

When looking to buy a home in Ohio, you’ll need to figure out how much you can afford. Home affordability calculators can be helpful tools for understanding your potential monthly mortgage payment, but they don’t account for the other human factors like family planning and retirement.

Ohio Homebuyer Plus Savings Program

Buying a house in Central Ohio has become increasingly challenging in the last three years. The average median sale price of homes sold in Ohio has increased 20% since December 2020*, and the median days on the market dropped by 29%. That means the Ohio housing market is turning over faster and selling for significantly higher selling prices, which can make it challenging to find and pay for your new home.

Do I Need a Financial Advisor?

Everyone’s financial situation is unique, so while you may receive financial advice online or from a friend or family member – you will not get the customized and expert guidance that you will from a professional financial advisor.

Improving Your Home's Value

Your home is one of the biggest investments you’ll make in your lifetime. Learn how to improve the value of your home without burning through your cash reserves.

Protect Your Investments with 3 Sound Options

By most measures, the United States economy is perking along just fine. Nevertheless, many experts are seeing signs that indicate an economic downturn could begin as soon as 2019. The signs include new cash from tax cuts which are traditionally incompatible with a strong economy; trade wars—the stock market hates tariffs which can eat into...

Maximizing Your Tax Refund

As the tax season approaches, the anticipation of a tax refund presents a unique opportunity for Central Ohio residents. In 2023, the average refund reported by the IRS was $2,753, an amount that many Central Ohio households can use to improve their financial well-being. Instead of viewing a tax refund as a chance to purchase something big, consider it an opportunity to invest in your financial future.

How Businesses Use a Line-of-Credit

Businesses, just like consumers, have the ability to apply for and use credit. In fact, most businesses have some form of a business line of credit, whether that be a long-term loan or a business credit card.

Understanding Your Credit Score

A credit score evaluates how likely you are to pay back your debts on time. Your credit score is incredibly important, yet few consumers know how it works, or what it’s used for. Your credit score will affect your ability to secure credit and determine the interest rates that you will pay on money you borrow...

Benefits of a Credit Union Membership

Oftentimes people view credit unions and banks as being the same service, however, they couldn’t be further from the truth. There are quite a few ways that credit unions differ from banks. If you’re on the fence, deciding between working with a bank or a credit union, we’ve outlined some of the biggest benefits credit unions offer below.

KEMBA Christmas Club

Be ready for the holidays with a Christmas Club Savings account from KEMBA Try as you might, putting money away for the holidays—money you promise not to spend until the Yuletide season—is a challenge for many people. KEMBA Financial Credit Union has the perfect solution: a Christmas Club Savings account. An easy way to save…


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