Average User Rating:2.5 star rating based on 2 reviews.
Kemba Credit Union
Kemba Credit Union Locations|
8763 Union Centre Blvd West Chester, OH 45069 (513) 762-5070 web.kembacu.org  |
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Kemba Credit Union is headquartered in West Chester and is the 6th largest credit union in the state of Ohio. It is also the 379th largest credit union in the nation. It was established in 1934 and as of December of 2012, it had grown to 141 employees and 74,137 members. Kemba Credit Union's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.
Related Posts
In an e-mail sent to all Get Green Checking account owners, Kemba Credit Union announced it is lowering its RCA rate from 3.50% APY to 2.50% APY, effective 2/1/13. Additionally, Kemba will no longer offer ATM refunds. The $15,000 cap remains unchanged.
Get Green Checking: from (3.5%, $25K) to (3.5%, $15K). This RCA limit reduction seems to be the recent trend, making RCA much less attractive.
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...
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...
2008
- 10/23 - 4.50% 12-Month Jumbo CD at Kemba Credit Union in Ohio
- 8/21 - 4.25% 9-Month / 4.50% 24-Month CD at an Ohio Credit Union (Kemba)
- 1/12 - 5.25% 60-Month CD at an Ohio CU (Kemba).
See Rates for: Checking | Savings | Money Market | CD | IRA
Kemba Credit Union Checking Account Rates
Kemba Credit Union Savings Account Rates
Kemba Credit Union Money Market Rates
Kemba Credit Union CD Rates
Kemba Credit Union IRA Rates
| Apy | Min | Max | Product | |
| 1.25% | $500 | - | 60 Month IRA | |
| 1.25% | $500 | - | 60 Month Roth IRA | |
| 1.25% | $500 | - | 60 Month CESA | |
| 1.00% | $500 | - | 48 Month IRA | |
| 1.00% | $500 | - | 48 Month Roth IRA | |
| 1.00% | $500 | - | 48 Month CESA | |
| 0.75% | $500 | - | 36 Month IRA | |
| 0.75% | $500 | - | 36 Month Roth IRA | |
| 0.75% | $500 | - | 36 Month CESA | |
| 0.45% | $500 | - | 24 Month IRA | |
| 0.45% | $500 | - | 24 Month Roth IRA | |
| 0.45% | $500 | - | 24 Month CESA | |
| 0.35% | $500 | - | 18 Month IRA | |
| 0.35% | $500 | - | 18 Month Roth IRA | |
| 0.35% | $500 | - | 18 Month CESA | |
| 0.30% | $500 | - | 12 Month IRA | |
| 0.30% | $500 | - | 12 Month Roth IRA | |
| 0.30% | $500 | - | 12 Month CESA | |
| 0.20% | $500 | - | 6 Month IRA | |
| 0.20% | $500 | - | 6 Month Roth IRA | |
| 0.20% | $500 | - | 6 Month CESA | |
| 0.15% | $500 | - | 3 Month IRA | |
| 0.15% | $500 | - | 3 Month Roth IRA | |
| 0.15% | $500 | - | 3 Month CESA |
Data for Q4 2012
Institution Statistics
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Institution Health
Overall Score:
5 out of 5 
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I Love KEMBA
- MarianFlory - Tuesday, February 15, 2011 - 1:33 AMThe 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.
3-year Term IRA CD
1.21% APY
Capital One 360
360 Checking Account
0.85% APY
Horrible Savings Interest Rates, No REAL Bill Payment System
My credit union was merged into Kemba at the end of last year. The savings interest rates Kemba pays are the lowest in the Cincinnati area. Last month they paid .05% on my savings account. I looked at other credit unions in the area and all are paying between .10% and .30% on a basic savings account. Kemba has the nerve to say their rates are "competitive" so I guess being at the bottom of the list somehow makes you competitive.
Their bill payment system is horrible. You think you are paying electronically, but what happens on the back end is that Kemba is creating checks and mailing them to pay your bills! This is the 21st Century and they are still mailing checks. An electronic bill payment system should mean that 95+% of the billers receive an electronic payment and not a check. So unlike a bank when you tell it to pay a bill on April 1 it gets paid on April 1, if you tell Kemba to pay on April 1 the check may or may not arrive on time and can generate late fees! Yikes.
Then there is the issue of electronic transfers. Say I want to transfer money between financial institutions. With every other financial institution I log into my account and tell them I want to transfer money to xxx financial institution and provide the routing number and account number and it's done. Not with Kemba. Want to do an electronic transfer? You have to go in and sign a paper authorizing the transaction EACH time you want to do a transfer. So 20th Century.
So outmoded ways of doing business and lowest interest rates in the area - if not the U.S. - and I will soon be moving my account somewhere else that has modern systems and truly pays competitive interest rates.