Banking Basics

Protect your investments from a turning economy with 3 safe and 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…
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Consolidating High Interest Debt

Learn the basics of transferring credit card balances and saving money Not all credit cards are created equal. Terms can vary widely from card to card including annual percentage rates (APRs), annual fees, repayment conditions, and borrowing limits. Once in a while, it’s important to review the terms of your current credit cards, along with…
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KEMBA Home Equity Loans

The essentials of home equity loans – what you need to know For many homeowners, an equity loan is an attractive option for making home improvements, paying for large ticket items (i.e. college, wedding), or consolidating high-interest debt. For other homeowners, an equity loan might not even be an option because they do not have…
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Teaching Financial Literacy to Teens

The four fundamentals of financial literacy for teens The new school year is around the corner and as your teens prepare for another year of learning, financial literacy is a topic that becomes more important every year. Making smart financial choices on a small scale in high school can have a big impact on their…
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Credit Unions and Millenials Are a Great Match

When it comes to learning about money, Millennials choice in a banking partner plays a key role. Representing nearly a quarter of the total United States population, millennials now make up the largest living demographic in the country. And representing almost two-fifths of the working population, they hold the largest spending power of any demographic…
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The best way to use private loans for college

Your student has completed their high school education and ready to take the next step to transitioning to adulthood. As they explore their options for higher education, you are weighing the options for financing their education. Many Americans are ill-prepared for the cost of higher education because they have not saved for college or have…
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30-year vs. 15-year mortgage loans

Which mortgage type is right for you? Buying or refinancing a home is a big financial decision, one that KEMBA has helped countless central Ohioans navigate. There are many home financing options to consider, but two of our most common are the 30-year and 15-year, fixed-rate mortgage loans. To understand which is right for you,…
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When to Collect Social Security

Social Security is something you pay into with each paycheck and when the time comes, knowing when to collect your benefit is important for your retirement strategy. Learn how and when to collect Social Security with our free tutorial.

Retirement 101

There are many investment options to build your retirement portfolio. Learn the different types of retirement accounts and tools with our free Retirement 101 tutorial.

Taxes

Taxes are a certainty in life. For most Americans, taxes are withheld from their paychecks and reconciled at the end of the year with a tax return. Learn how taxes work with our free Taxes tutorial.

Mobile Payments

Mobile banking is a great tool for people on the go who manage their funds while on the go. Learn how mobile payments work with our free Mobile Payments tutorial.

Payday Loans

For some people, payday loans seem like a short term solution to close the gap on your monthly budget. But with most payday loans, the interest rates can hurt more than they help. Learn how payday loans work and ways to get your budget back on track.

Overdraft

Managing your checking account balance is a part-time job and bouncing your account is a headache. That is where overdraft protection can help. Learn how overdraft protection works and how you can protect your account.

Credit Scores and Reports

Your credit report is compiled by three major reporting agencies and while they can differ in the final score, the data collected by each agency is the same. Learn how to read your credit score with our free Credit Scores and Reports tutorial.

Build Emergency Savings

Two out of five Americans can’t cover a $400 emergency because they haven’t saved enough money. Learn how saving money today will help you handle those unplanned expenses down the road.

Budgeting Tool

Building a monthly budget is key to making the most of your income. Use our free Budgeting Tool to create a manageable budget for your family.

Benefits of a Credit Union

Credit Unions are different than traditional banks. View our free video on how credit unions work and how to become a member.

Teaching Kids Financial Basics

Teaching children basic financial management principles while they are young is key to helping them learn how to handle money. Find out ways to teach your kids financial responsibility.

How to read your credit report

Have you ever tried to read your credit report? It can be confusing. Your credit report is compiled by three major reporting agencies and while they can differ in the final score, the data collected by each agency is the same. Learn how to read your credit score, verify the accuracy of the data, and…
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Dealing With Debt

If you find yourself buried in a stack of bills, trying to figure out how to make ends meet, you are not alone. 80% of Americans are carrying some sort of debt which, depending on the amount, can make things look bleak. You have options for managing your debt. Learn about the 5 ways you…
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What is Credit?

When you borrow money, your credit record or credit score is used to determine the amount, interest rate and repayment terms approved by the creditor. Your credit score tells your story of borrowing and repaying those loans. Keeping your credit record clean tells creditors that you are trustworthy and will honor your financial commitments. Learn…
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