Average User Rating:
4 star rating based on 1 review.

Kemba Credit Union

8763 Union Centre Blvd
West Chester, OH 45069
800.825.3622
web.kembacu.org

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Kemba Credit Union is headquartered in WEST CHESTER and is the 6^th largest credit union in the state of Ohio. It is also the 400^th largest credit union in the nation. It was established in 1934 and as of September of 2011, it had grown to 137 employees and 65,356 members. Kemba Credit Union has a 5-star health rating.

3.85% 6-Year CD at Kemba Credit Union in Ohio - Local Only - 12/7/2009

Kemba Credit Union has a special 72-month CD with a 3.85% APY. This is listed at the credit union's home page and in its savings rates page as of 12/07/09.A 6-year term is long when rates are so low, but if you need a long-term CD for a CD ladder, this...

3.50% Reward Checking Account at Kemba Credit Union in Ohio - Local Only - 12/7/2009

Kemba Credit Union is offering a high-yield reward checking account called Get Green Checking. It has the following rates and features if certain monthly requirements are met:3.50% APY on balances up to $25,0000.25% APY on portion of balance over...

4.50% 12-Month Jumbo CD at Kemba Credit Union in Ohio - 10/23/2008

Kemba Credit Union has a competitive rate on its 12-month certificate. The yield is 4.25% APY for a minimum deposit of $500. Jumbo certificates receive an extra 25 basis points. This results in a yield of 4.50% APY. The minimum deposit for a Jumbo is...

4.25% 9-Month / 4.50% 24-Month CD at an Ohio Credit Union (Kemba) - 8/21/2008

Kemba Credit Union has some competitive certificate specials. One is a 4.25% APY 9-month certificate and the other is a 4.50% APY 24-month certificate. The minimum deposit is $5,000. These certificates are also available in an IRA.The credit union also...

2008

1/12 - 5.25% 60-Month CD at an Ohio CU (Kemba).

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See Rates for: Checking | Savings | Money Market | CD | IRA

Kemba Credit Union Checking Account Rates

Apy	Min	Max	Product
3.50%	-	$25k	Get Green Checking
2.00%	$2,500	-	HSA Checking
0.20%	$10k	-	Member Select Checking Plus

Kemba Credit Union Savings Account Rates

Apy	Min	Max	Product
0.10%	-	-	Regular Savings
0.10%	-	-	Secondary Savings
0.10%	-	-	Christmas Club
0.10%	-	-	Vacation Club

Kemba Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.20%	$25k	-	Money Market

Kemba Credit Union CD Rates

Apy	Min	Max	Product
2.00%	$500	-	60 Month CD
1.65%	$500	-	48 Month CD
1.25%	$500	-	36 Month CD
0.90%	$500	-	24 Month CD
0.70%	$500	-	18 Month CD
0.60%	$500	-	12 Month CD
0.40%	$500	-	6 Month CD
0.30%	$500	-	3 Month CD

Kemba Credit Union IRA Rates

Apy	Min	Max	Product
2.00%	$500	-	60 Month IRA
2.00%	$500	-	60 Month Roth IRA
2.00%	$500	-	60 Month CESA
1.65%	$500	-	48 Month IRA
1.65%	$500	-	48 Month Roth IRA
1.65%	$500	-	48 Month CESA
1.25%	$500	-	36 Month IRA
1.25%	$500	-	36 Month Roth IRA
1.25%	$500	-	36 Month CESA
0.90%	$500	-	24 Month IRA
0.90%	$500	-	24 Month Roth IRA
0.90%	$500	-	24 Month CESA
0.70%	$500	-	18 Month IRA
0.70%	$500	-	18 Month Roth IRA
0.70%	$500	-	18 Month CESA
0.60%	$500	-	12 Month IRA
0.60%	$500	-	12 Month Roth IRA
0.60%	$500	-	12 Month CESA
0.40%	$500	-	6 Month IRA
0.40%	$500	-	6 Month Roth IRA
0.40%	$500	-	6 Month CESA
0.30%	$500	-	3 Month IRA
0.30%	$500	-	3 Month Roth IRA
0.30%	$500	-	3 Month CESA

Rates updated: 2/10/2012

Data for Q3 2011

Institution Statistics

KEMBA
NCUA #	61810
BankRate Report	View
Year Established	1934
Employees	137
Primary Regulator
Assets and Liabilities
Assets	$483.68 million
Loans	$353.21 million
Deposits	$412.45 million
Equity Capital	$64.54 million
Loan Loss Allowance	$1.92 million
Unbacked Noncurrent Loans	$1.76 million
Real Estate Owned	$120,000
Historic Data - September 2010
Assets	$461.79 million
Equity Capital	$60.39 million
Loan Loss Allowance	$1.86 million
Unbacked Noncurrent Loans	$1.43 million
Profit Margin - Quarterly
Net Interest Margin	2.78%
Return on Assets	0.76%
Return on Equity	5.71%
Interest Income	$13.92 million
Non-Interest Income	$6.12 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 Kemba Credit Union had $1.88 million in non-current loans and owned real-estate with $66.46 million in equity and loan loss allowances on hand to cover it. This gives Kemba Credit Union a Texas Ratio of 2.83% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Kemba Credit Union held steady from 2.29% as of September 30, 2010 to 2.83% as of September 30, 2011, resulting in a negative change of 23.65%. This indicates that the balance sheet and financial strength for Kemba Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Kemba Credit Union has increased its total deposits by $17.88 million, resulting in 4.53% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Kemba Credit Union has shown is above average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Kemba Credit Union has $483.68 million in assets with $66.46 million in equity, resulting in a capitalization level of 13.74%, which is excellent.

I Love KEMBA
4 stars

- MarianFlory - Tuesday, February 15, 2011 - 1:33 AM

The employees have aleays been friendly to me. My only disappointment was when they didn't want to lend me money because I didn't have much money deposited with them, although I could have provided good collateral. That was many years ago.