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Kemba Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.54%
Our Rating
4.2  / 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
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.80%
Our Rating
4.3  / 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
Bonus Amount
up to $300
Our Rating
4.3  / 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.kemba.com
513-762-5070
8763 Union Centre Blvd
West Chester, OH 45069

Kemba Credit Union is headquartered in West Chester and is the 4th largest credit union in the state of Ohio. It is also the 272nd largest credit union in the nation. It was established in 1934 and as of December of 2024, it had grown to 276 employees and 129,745 members at 14 locations. Kemba Credit Union's money market rates are 7X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in KEMBA Credit Union is open to the following: (1) individuals who in the greater Cincinnati area, northern Kentucky, or southeast Indiana who have a Kroger Plus card; (2) those who live, work, attend school or worship in Adams, Brown, Butler, Clark, Clermont, Clinton, Darke, Fayette, Greene, Hamilton, Highland, Miami, Montgomery, Preble, or Warren Counties in Ohio; (3) those who live, work, attend school or worship in Boone, Campbell, Carroll, Gallatin, Grant, Kenton, Owen, or Pendleton Counties in Kentucky; (4) those who live or work in Franklin or Dearborn Counties in Indiana; (5) employees of over 200 area Select Employer Groups.
See current membership details

Reviews (1)

Another Money Grab

Posted by: |

Kemba forces you to open and deposit $5 into a savings account even when you only want a checking account. Then when you close the checking account, they will tell you it's better to leave the unused savings account open so you stay in their system. They do not tell you that they will close your savings account if you don't use it and take the $5 they made you put in it! What a ripoff!!!

1


Health
A

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #61810
Year Chartered1934
Employees276
Primary Regulator
Profit Margin
Return on Assets - YTD0.58%
Return on Equity - YTD5.51%
Annual Interest Income$83.5MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$1.81B$1.64B
LoansQ4 2024vs Q4 2023$1.39B$1.44B
DepositsQ4 2024vs Q4 2023$1.46B$1.27B
Equity CapitalQ4 2024vs Q4 2023$185.4MM$171.7MM
Loan Loss AllowanceQ4 2024vs Q4 2023$7.1MM$6.5MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$9.8MM$4.2MM
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.54%
Our Rating
4.2  / 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
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.80%
Our Rating
4.3  / 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
Bonus Amount
up to $300
Our Rating
4.3  / 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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Always verify rates and promotions with the bank or credit union. We are not Kemba 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 Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
9.00%*$0$5kOhio Homebuyer Plus Savings
OTHER TIERS: 0.05% → $100k+ | 5.00% → $10k - $100k | 7.00% → $5k - $10k
2.50%*$100k*-HSA Checking
OTHER TIERS: 0.75% → $100 - $2.5k | 1.50% → $2.5k - $25k | 2.00% → $25k - $100k
0.05%$100-Regular Savings
0.05%$0-Secondary Savings
0.05%$100-Vacation Club
0.05%$100-Holiday Club

Kemba Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%*$250k*-Money Market
OTHER TIERS: 2.00% → $2.5k - $25k | 2.25% → $25k - $75k | 2.50% → $75k - $150k | 2.75% → $150k - $250k

Kemba Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$0$15kGet Green Reward Checking
0.30%$0-Business Platinum
0.25%$0$25kBusiness Prestige
0.25%$0-Business Plus

Kemba Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.15%$500-19 Month CD Special
3.90%$500-6 Month CD
3.90%$500-12 Month CD
3.90%$500-18 Month CD
3.85%$500-24 Month CD
3.80%$500-3 Month CD
3.80%$500-36 Month CD
3.80%$500-48 Month CD
3.80%$500-60 Month CD
3.80%$500-30 Month CD
Locations

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