Kemba Charleston Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
1.92%	5-year CD	3.10% - Synchrony Bank 60 Month CD
1.00%	1-year CD	2.50% - Synchrony Bank 12 Month CD
0.05%	Savings	1.90% - American Express National Bank High Yield Savings Account

View all Kemba Charleston Federal Credit Union rates »

Overview / Commentary

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 2,594^th largest credit union in the nation. It was established in 1935 and as of June of 2018, it had grown to 8 employees and 4,319 members at 1 location. Kemba Charleston Federal Credit Union's CD rates are 11% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Must be an employee of Kroger Co. or other select employee groups.
See current membership details

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Health

B

Data as of Q2 2018

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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	8
Primary Regulator

Profit Margin
Return on Assets - YTD	0.09%
Return on Equity - YTD	0.44%
Annual Interest Income	$609.00K

Assets and Liabilities
Assets	Q2 2018vs Q2 2017	$39.4MM$40.0MM
Loans	Q2 2018vs Q2 2017	$16.2MM$17.1MM
Deposits	Q2 2018vs Q2 2017	$30.7MM$31.6MM
Equity Capital	Q2 2018vs Q2 2017	$8.2MM$8.1MM
Loan Loss Allowance	Q2 2018vs Q2 2017	$119.00K$116.00K
Unbacked Noncurrent Loans	Q2 2018vs Q2 2017	$180.00K$246.00K
Real Estate Owned	Q2 2018vs Q2 2017	$0$0

Rates

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Savings
CD
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
0.65%	-	-	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
1.98%^*	$100k^*	-	2 Year Share Certificate
OTHER TIERS: 1.19% → $1k - $25k \| 1.64% → $25k - $100k
1.96%^*	$100k^*	-	3 Year Share Certificate
OTHER TIERS: 1.19% → $1k - $25k \| 1.62% → $25k - $100k
1.94%^*	$100k^*	-	4 Year Share Certificate
OTHER TIERS: 1.18% → $1k - $25k \| 1.61% → $25k - $100k
1.92%^*	$100k^*	-	5 Year Share Certificate
OTHER TIERS: 1.17% → $1k - $25k \| 1.60% → $25k - $100k
1.00%^*	$100k^*	-	1 Year Share Certificate
OTHER TIERS: 0.75% → $1k - $25k \| 0.85% → $25k - $100k
0.65%^*	$100k^*	-	6 Month Share Certificate
OTHER TIERS: 0.55% → $1k - $25k \| 0.60% → $25k - $100k

Kemba Charleston Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.98%^*	$100k^*	-	2 Year IRA
OTHER TIERS: 1.19% → $1k - $25k \| 1.64% → $25k - $100k
1.96%^*	$100k^*	-	3 Year IRA
OTHER TIERS: 1.19% → $1k - $25k \| 1.62% → $25k - $100k
1.94%^*	$100k^*	-	4 Year IRA
OTHER TIERS: 1.18% → $1k - $25k \| 1.61% → $25k - $100k
1.92%^*	$100k^*	-	5 Year IRA
OTHER TIERS: 1.17% → $1k - $25k \| 1.60% → $25k - $100k
1.00%^*	$100k^*	-	1 Year IRA
OTHER TIERS: 0.75% → $1k - $25k \| 0.85% → $25k - $100k
0.65%^*	$100k^*	-	6 Month IRA
OTHER TIERS: 0.55% → $1k - $25k \| 0.60% → $25k - $100k

Locations

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

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