Kemba Charleston Federal Credit Union

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 22^nd largest credit union in the state of West Virginia. It is also the 2,611^th largest credit union in the nation. It was established in 1935 and as of June of 2019, it had grown to 9 employees and 4,243 members at 1 location. Kemba Charleston Federal Credit Union's CD rates are 39% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Kemba Charleston Federal Credit Union serves employees and their families of Kroger Co; those who work, worship, attend school or live in the towns of Dunbar, Institute, and Nitro, West Virginia. Additionally, Kemba Charleston FCU offers membership to employees of several other Select Employee Groups.
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Health

Data as of Q2 2019

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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	9
Primary Regulator

Profit Margin
Return on Assets - YTD	0.07%
Return on Equity - YTD	0.32%
Annual Interest Income	$630.00K

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$38.4MM$39.4MM
Loans	Q2 2019vs Q2 2018	$16.3MM$16.2MM
Deposits	Q2 2019vs Q2 2018	$29.6MM$30.7MM
Equity Capital	Q2 2019vs Q2 2018	$8.2MM$8.2MM
Loan Loss Allowance	Q2 2019vs Q2 2018	$127.00K$119.00K
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$170.00K$180.00K
Real Estate Owned	Q2 2019vs Q2 2018	$0$0

Rates

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Savings
CD
IRA

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Always verify rates and promotions with the bank or credit union. We are not Kemba Charleston Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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
0.65%	-	-	IRA Share
0.50%	-	-	Christmas Club
0.43%^*	$75k^*	-	Premium Share Account
OTHER TIERS: 0.10% → $500 - $10k \| 0.14% → $10k - $25k \| 0.23% → $25k - $50k \| 0.34% → $50k - $75k
0.05%	$10	-	Primary Shares
0.05%	-	-	Secondary Clubs

Kemba Charleston Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.80%^*	$100k^*	-	2 Year Share Certificate
OTHER TIERS: 0.75% → $1k - $25k \| 1.45% → $25k - $100k
1.77%^*	$100k^*	-	3 Year Share Certificate
OTHER TIERS: 0.74% → $1k - $25k \| 1.43% → $25k - $100k
1.75%^*	$100k^*	-	4 Year Share Certificate
OTHER TIERS: 0.74% → $1k - $25k \| 1.42% → $25k - $100k
1.74%^*	$100k^*	-	5 Year Share Certificate
OTHER TIERS: 0.74% → $1k - $25k \| 1.41% → $25k - $100k
1.25%^*	$100k^*	-	1 Year Share Certificate
OTHER TIERS: 0.75% → $1k - $25k \| 1.10% → $25k - $100k
1.00%^*	$100k^*	-	6 Month Share Certificate
OTHER TIERS: 0.65% → $1k - $25k \| 0.95% → $25k - $100k

Kemba Charleston Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.78%^*	$100k^*	-	2 Year IRA
OTHER TIERS: 0.75% → $1k - $25k \| 1.44% → $25k - $100k
1.77%^*	$100k^*	-	3 Year IRA
OTHER TIERS: 0.74% → $1k - $25k \| 1.43% → $25k - $100k
1.75%^*	$100k^*	-	4 Year IRA
OTHER TIERS: 0.74% → $1k - $25k \| 1.42% → $25k - $100k
1.74%^*	$100k^*	-	5 Year IRA
OTHER TIERS: 0.74% → $1k - $25k \| 1.41% → $25k - $100k
1.25%^*	$100k^*	-	1 Year IRA
OTHER TIERS: 0.75% → $1k - $25k \| 1.10% → $25k - $100k
1.00%^*	$100k^*	-	6 Month IRA
OTHER TIERS: 0.65% → $1k - $25k \| 0.95% → $25k - $100k

Locations

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

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