Featured Savings Rates
Featured Accounts
Overview / Commentary
555 Officenter Pl
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 246th largest credit union in the nation. It was established in 1933 and as of June of 2016, it had grown to 213 employees and 87,173 members at 11 locations. KEMBA Financial Credit Union's money market rates are 36% higher than the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Memberhsip in KEMBA Financial Credit Union is open to anyone through joining Simply Living (requires registering for Simply Living's email list). Membership is also open to the following: (1) those who live, work, worship or attend school in Fairfield, Franklin, Licking, Madison, Union, Delaware, or Logan Counties in Ohio; (2) employees or retirees of Advantage Logistics, Columbia Gas of Ohio, and over 100 area Select Employer Groups.
See current membership details

Reviews (6)

Kemba is the most effortless banking choice!

Posted by: AngelaRL | Feb 8, 2016

I had a checking account with Kemba years ago when I was in high school and loved it. Since I got a job at JP Morgan Chase, I closed the account and opened one up with them as an employee checking account plus. It was ok for the first year or so, but after a while I noticed a lot of hidden fees that were not mentioned to me in the beginning and one time I even got a call from a representative asking me about my finances and where I was spending my money!! I was shocked that my own institution would treat me like that!! Needless to say, I immediately transferred all of my funds to Kemba and even opened my very first checking account. I have been so incredibly happy with the personal feel the employees present. They really do feel like family and offer incredible services, especially to first timers. The gentleman that I've always worked with is so friendly and always makes sure to ask how my family is doing! I feel so special working with them and will definitely be a long term customer! Highly recommend!!!

An Honest Review Of Kemba

Posted by: lynniebby | Mar 12, 2011

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!

Didn't Have My Back

Was involved in a check scam which was totally my fault but as soon as I found out the cashier check might be fraudulent I called the bank immediately to see what needed to be done and what I should do they didn't really have any answers for me then the next day froze my account never call to inform me so when I called to asked what was going on and explained that I had called the bank the night before they basically said I was lying there was no record of me calling and then when they said they would work with me to pay off the check fraud they lied about it took all the money out of my accounts which left me with 000 money nice bank after I had banked with them for 6 years this is how I was treated so I will be closing my accounts with Kemba Credit Union and I am a hairstylist so I can tell a lot of people about my experience with this situation and how poorly it was handled

Kemba Is Horrible

Posted by: Willita2 | Aug 30, 2011

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.

Customer Service Dropping Quickly

Posted by: horses8558 | Aug 5, 2011

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?  

Auto Loan Problems

Posted by: lma | Apr 11, 2011

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


Health Grade Components

NCUA #61623
Year Chartered1933
Primary Regulator
Profit Margin
Return on Assets - YTD1.29%
Return on Equity - YTD11.15%
Annual Interest Income$19.8MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$1.07B$973.9MM
LoansQ2 2016vs Q2 2015$789.3MM$712.8MM
DepositsQ2 2016vs Q2 2015$795.9MM$728.3MM
Equity CapitalQ2 2016vs Q2 2015$124.4MM$110.9MM
Loan Loss AllowanceQ2 2016vs Q2 2015$4.1MM$4.5MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$2.5MM$2.8MM
Real Estate OwnedQ2 2016vs Q2 2015$204.00K$216.00K
Report an Issue

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 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 Financial Credit Union Savings Account Rates

0.75%*$25k*-Health Savings Account
OTHER TIERS: 0.25% Up to $2,500 | 0.40% $2,500 - $10k | 0.60% $10k - $25k
0.25%--KEMBA Advantage Coverdell ESA Account
0.25%--KEMBA Advantage IRA Savings
0.25%--KEMBA Advantage Roth 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

0.75%*$250k*-KEMBA Advantage Money Market Account
OTHER TIERS: 0.20% $1k - $10k | 0.25% $10k - $25k | 0.35% $25k - $50k | 0.45% $50k - $100k | 0.55% $100k - $250k
0.75%*$250k*-KEMBA Advantage Business Money Market
OTHER TIERS: 0.20% $1k - $10k | 0.25% $10k - $25k | 0.35% $25k - $50k | 0.45% $50k - $100k | 0.55% $100k - $250k
0.60%*$250k*-Money Market Account
OTHER TIERS: 0.10% $1k - $10k | 0.15% $10k - $25k | 0.20% $25k - $50k | 0.30% $50k - $100k | 0.40% $100k - $250k
0.60%*$250k*-Business Money Market
OTHER TIERS: 0.10% $1k - $10k | 0.15% $10k - $25k | 0.20% $25k - $50k | 0.30% $50k - $100k | 0.40% $100k - $250k

KEMBA Financial Credit Union Checking Account Rates

0.60%*$250k*-KEMBA Advantage High Performance Checking
OTHER TIERS: 0.15% Up to $10k | 0.20% $10k - $25k | 0.25% $25k - $50k | 0.30% $50k - $100k | 0.40% $100k - $250k
0.50%*$250k*-High Performance Checking
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $25k | 0.15% $25k - $50k | 0.20% $50k - $100k | 0.30% $100k - $250k
0.20%$5k-KEMBA Advantage Business Smart 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

2.10%$500-84 Month KEMBA Advantage Share Certificate
2.00%$500-60 Month KEMBA Advantage Share Certificate
1.85%$500-84 Month Share Certificate
1.75%$500-60 Month Share Certificate
1.65%$500-48 Month KEMBA Advantage Share Certificate
1.40%$500-48 Month Share Certificate
1.10%$500-36 Month KEMBA Advantage Share Certificate
1.05%$500-24 Month KEMBA Advantage Share Certificate
0.85%$500-36 Month Share Certificate
0.80%$500-24 Month Share Certificate
0.80%$500-12 Month KEMBA Advantage Share Certificate
0.55%$500-12 Month Share Certificate
0.45%$500-6 Month KEMBA Advantage Share Certificate
0.35%$500-6 Month Share Certificate
0.25%$500-3 Month KEMBA Advantage Share Certificate
0.15%$500-3 Month Share Certificate

KEMBA Financial Credit Union IRA Rates

2.10%$250-84 Month KEMBA Advantage IRA Certificate
2.00%$250-60 Month KEMBA Advantage IRA Certificate
1.85%$250-84 Month IRA Certificate
1.75%$250-60 Month IRA Certificate
1.65%$250-48 Month KEMBA Advantage IRA Certificate
1.40%$250-48 Month IRA Certificate
1.10%$250-36 Month KEMBA Advantage IRA Certificate
1.05%$250-24 Month KEMBA Advantage IRA Certificate
0.85%$250-36 Month IRA Certificate
0.80%$250-24 Month IRA Certificate
0.80%$250-12 Month KEMBA Advantage IRA Certificate
0.55%$250-12 Month IRA Certificate
0.45%$250-6 Month KEMBA Advantage IRA Certificate
0.35%$250-6 Month IRA Certificate
0.25%$250-3 Month KEMBA Advantage IRA Certificate
0.15%$250-3 Month IRA Certificate

KEMBA Financial Credit Union has 11 locations. Click to view all KEMBA Financial Credit Union locations.