Kemba Charleston Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.kembacharlestonfcu.org

304-768-5700

1830 Roxalana Rd
Dunbar, WV 25064-2705

Kemba Charleston Federal Credit Union is headquartered in Dunbar and is the 26^th largest credit union in the state of West Virginia. It is also the 2,514^th largest credit union in the nation. It was established in 1935 and as of March of 2025, it had grown to 8 employees and 3,427 members at 1 location. Kemba Charleston Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Kemba Charleston Federal Credit Union is open to employees and their families of Kroger Co and other select employee groups; and those who live, work, worship, or attend school in the towns of Nitro, Institute, and Dunbar, West Virginia.
See current membership details

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Kemba Charleston Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	108
Year Chartered	1935
Employees	8
Primary Regulator

Profit Margin
Return on Assets - YTD	0.41%
Return on Equity - YTD	2.1%
Annual Interest Income	$395K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$45.1MM$45.3MM
Loans	Q1 2025vs Q1 2024	$15.2MM$17.1MM
Deposits	Q1 2025vs Q1 2024	$35.7MM$36MM
Equity Capital	Q1 2025vs Q1 2024	$8.9MM$8.5MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$220K$230K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$66K$175K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Kemba Charleston Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%	$0	-	Christmas Club
0.35%^*	$75k^*	-	Premium Share Account
OTHER TIERS: 0.05% → $500 - $10k \| 0.10% → $10k - $25k \| 0.20% → $25k - $50k \| 0.25% → $50k - $75k
0.05%	$10	-	Primary Shares
0.05%	$0	-	Secondary Clubs

Kemba Charleston Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.60%	$0	-	IRA Share

Locations

Kemba Charleston Federal Credit Union Locations
Branch Office	1830 Roxalana Rd	Dunbar, WV 25064-2705

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