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P.O. Box 307370
Gahanna, OH 43230

Kemba Financial Credit Union is headquartered in GAHANNA and is the 3rd largest credit union in the state of Ohio. It is also the 258th largest credit union in the nation. It was established in 1933 and as of December of 2013, it had grown to 173 employees and 69,794 members. Kemba Financial Credit Union's savings rates are 4X the national average, and it boasts a A+ health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in Franklin County, Delaware County, Logan County, Madison County or Sylvania Township - See Details

Reviews (4)

Customer Service Dropping Quickly

I have been with Kemba for 5 years.  In the beginning they were very customer focused and helpful,  listened to particular situations.  But in the past 7 months, their customer service has fallen into the basement. Beware of rules that are in the banks favor and against you.   It appears that they are interested in fees fees fees.  In June I made three payments totaling more then $3,500 on my visa account.  My account closes on the 26th of the month (something I have always tried to change unsuccessfully.) One was made June 6, the next june 20.  The third was made June 28th.  After my deadline date.  The third payment was for July.  As it turns out, I was charged a fee because the payment was not made in July.  I said would I be charged if I made my payment June 30th?  She said yes or course because it was past my due date.  BUT  making a payment past my due date does not count in the following month.  What a SCAM.  Anything for a fee.

I tried to talk to customer service without much satisfaction, tried for the supervisor of course no call back.  Not allow to have the President's email.  Keeping his head in the sand.  not allow to talk with customers?  

Kemba Is Horrible

Potential Credit Union customer Beware, this company has horrible customer service, they will NOT help you unless you go irrate in the bank. I have direct deposit and they HOLD your money for couple of days to get interest. The account will have a pending deposit, but oh no thye hold on to it. Also if you need a LIVE person to talk to after 5:00pm or 6:00pm GOOD LUCK... Basicly do all your shopping at Huntington, Chase, or Telhio.. Once they stop holding my money hostage closing the account.

Auto Loan Problems

I have had an auto loan with Kemba for over a year and have had nothing but problems the whole time.  I had a direct deposit set up with my employer and Kemba calls every month saying my loan payment is late even though my employer has deposited a little over the amount of my payment and Kemba charges me late fees every month.  I call them to try to straighten it out and they just give me the run-around.  I will never use them ever again.  LMA

An Honest Review Of Kemba

I have been with Kemba Financial Credit Union since last summer and personally I would have to say that I've had a decent experience with them. The customer service is very kind and helpful. I did have a problem when I first signed up because Kemba had the wrong social security number in their records. I tried to call and fix it but they asked for me to come in so they could make sure it was actually me and that made me like the credit union even more! Also you can use their debit cards pretty much anywhere, the downside is if it isn't an actual Kemba ATM then Kemba charges you and so does the ATM. Another downside is that they have many building and so whenever I need to go to the credit union I have to go a little out of my way to get there. But overall it's worth it because it's an excellent credit union!


Data for Q4 2013

Institution Health


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 December 31, 2013 Kemba Financial Credit Union had $3.52 million in non-current loans and owned real-estate with $98.79 million in equity and loan loss allowances on hand to cover it. This gives Kemba Financial Credit Union a Texas Ratio of 3.57% 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 Financial Credit Union experienced no significant changes from 3.42% as of December 31, 2012 to 3.57% as of December 31, 2013, resulting in a negative change of 4.38%. This indicates that the balance sheet and financial strength for Kemba Financial Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Kemba Financial Credit Union has increased its total deposits by $52.07 million, resulting in 8.95% 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 Financial Credit Union has shown is excellent.



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 Financial Credit Union has $847.65 million in assets with $98.79 million in equity, resulting in a capitalization level of 11.66%, which is excellent.

Institution Statistics

NCUA #61623
Year Chartered1933
Primary Regulator
Assets and Liabilities
Assets$847.65 million
Loans$606.34 million
Deposits$633.61 million
Equity Capital$94.75 million
Loan Loss Allowance$4.04 million
Unbacked Noncurrent Loans$2.85 million
Real Estate Owned$677,000
Historic Data - December 2012
Assets$750.96 million
Equity Capital$85.86 million
Loan Loss Allowance$4.31 million
Unbacked Noncurrent Loans$2.85 million
Real Estate Owned$516,000
Profit Margin - Quarterly
Net Interest Margin3.93%
Return on Assets1.11%
Return on Equity9.97%
Interest Income$30.70 million

Always verify rates and promotions with the bank or credit union. We are not Kemba Financial Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Kemba Financial Credit Union Savings Account Rates

2.00%$25k-Health Savings Account
0.25%--KEMBA Advantage Coverdell ESA Account
0.25%--KEMBA Advantage IRA Savings
0.20%--KEMBA Advantage Christmas Club
0.20%--KEMBA Advantage Share Savings
0.20%--KEMBA Advantage Business Savings
0.15%--IRA Savings
0.15%--Coverdell ESA Account
0.10%--Share Savings
0.10%--Christmas Club
0.10%--Business Savings

Kemba Financial Credit Union Money Market Rates

0.28%$40k-KEMBA Advantage Money Market Account
0.28%$40k-KEMBA Advantage Business Money Market
0.18%$40k-Money Market Account
0.18%$40k-Business Money Market

Kemba Financial Credit Union Checking Account Rates

0.25%$50k-KEMBA Advantage High Performance Checking
0.20%$5k-KEMBA Advantage Business Smart Checking
0.15%$50k-High Performance Checking
0.15%--KEMBA Advantage Ultimate Plus Checking
0.10%$5k-Business Smart Checking
0.05%--Ultimate Plus Checking

Kemba Financial Credit Union CD Rates

1.75%$500-84 Month KEMBA Advantage Share Certificate
1.65%$500-60 Month KEMBA Advantage Share Certificate
1.50%$500-84 Month Share Certificate
1.45%$500-48 Month KEMBA Advantage Share Certificate
1.40%$500-60 Month Share Certificate
1.20%$500-48 Month Share Certificate
1.05%$500-36 Month KEMBA Advantage Share Certificate
0.80%$500-36 Month Share Certificate
0.75%$500-24 Month KEMBA Advantage Share Certificate
0.50%$500-24 Month Share Certificate
0.50%$500-12 Month KEMBA Advantage Share Certificate
0.30%$500-6 Month KEMBA Advantage Share Certificate
0.25%$500-12 Month Share Certificate
0.25%$500-3 Month KEMBA Advantage Share Certificate
0.20%$500-6 Month Share Certificate
0.15%$500-3 Month Share Certificate

Kemba Financial Credit Union IRA Rates

1.75%$250-84 Month KEMBA Advantage IRA Certificate (Traditional,CESA)
1.65%$250-60 Month KEMBA Advantage IRA Certificate (Traditional,CESA)
1.50%$250-84 Month IRA Certificate (Traditional,CESA)
1.45%$250-48 Month KEMBA Advantage IRA Certificate (Traditional,CESA)
1.40%$250-60 Month IRA Certificate (Traditional,CESA)
1.20%$250-48 Month IRA Certificate (Traditional,CESA)
1.05%$250-36 Month KEMBA Advantage IRA Certificate (Traditional,CESA)
0.80%$250-36 Month IRA Certificate (Traditional,CESA)
0.75%$250-24 Month KEMBA Advantage IRA Certificate (Traditional,CESA)
0.50%$250-24 Month IRA Certificate (Traditional,CESA)
0.50%$250-12 Month KEMBA Advantage IRA Certificate (Traditional,CESA)
0.30%$250-6 Month KEMBA Advantage IRA Certificate (Traditional,CESA)
0.25%$250-12 Month IRA Certificate (Traditional,CESA)
0.25%$250-3 Month KEMBA Advantage IRA Certificate (Traditional,CESA)
0.20%$250-6 Month IRA Certificate (Traditional,CESA)
0.15%$250-3 Month IRA Certificate (Traditional,CESA)

Kemba Financial Credit Union Locations
Branch Office500 S Cleveland Ave #200 CWesterville, OH 43081
Branch Office4220 E Broad StColumbus, OH 43213
Branch Office6230 E Broad StColumbus, OH 43213
Branch Office4311 N High StColumbus, OH 43214-2609
Branch Office4141 Hoover RdGrove City, OH 43123-3617
Branch Office622 N State StWesterville, OH 43082-9083
Branch Office1161 S Main StBellefontaine, OH 43311
Branch Office5555 Renner RdColumbus, OH 43228-8940
Branch Office555 Officenter PlGahanna, OH 43230-5333