Kemba Roanoke 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

4.44%

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

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

kembafcu.org

800-735-3622

2812 W Main St
Salem, VA 24153

Kemba Roanoke Federal Credit Union is headquartered in SALEM and is the 52^nd largest credit union in the state of Virginia. It is also the 2,071^st largest credit union in the nation. It was established in 1935 and as of March of 2025, it had grown to 10 employees and 4,808 members at 2 locations. Kemba Roanoke Federal Credit Union has an A health rating.

Field of Membership Restrictions

KEMBA Roanoke Federal Credit Union is open to anyone in Virginia through joining the Virginia Consumer Council (no membership fee), and to employees, retirees or volunteers of one of the Select Employee Groups or Organizations.
See current membership details

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Health

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 Roanoke Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	107
Year Chartered	1935
Employees	10
Primary Regulator

Profit Margin
Return on Assets - YTD	0.36%
Return on Equity - YTD	2.24%
Annual Interest Income	$728K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$76.6MM$76.1MM
Loans	Q1 2025vs Q1 2024	$23.5MM$25.2MM
Deposits	Q1 2025vs Q1 2024	$64.4MM$64.1MM
Equity Capital	Q1 2025vs Q1 2024	$12MM$11.8MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$134K$150K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$268K$333K
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

4.44%

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

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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Savings
Money Market
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 Roanoke Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.05%	$0	-	Share Account
0.05%	$0	-	Christmas Club
0.05%	$0	-	Vacation Club

Kemba Roanoke Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.30%^*	$100k^*	-	Money Market Account
OTHER TIERS: 0.10% → $2.5k - $50k \| 0.20% → $50k - $100k

Kemba Roanoke Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.10%	$500	-	5 Year Share Certificate
1.00%	$500	-	4 Year Share Certificate
0.90%	$500	-	3 Year Share Certificate
0.80%	$500	-	2 Year Share Certificate
0.70%	$500	-	12 Month Share Certificate
0.55%	$500	-	6 Month Share Certificate

Kemba Roanoke Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.10%	$2k	-	5 Year IRA Certificate
1.00%	$2k	-	4 Year IRA Certificate
0.90%	$2k	-	3 Year IRA Certificate
0.80%	$2k	-	2 Year IRA Certificate

Locations

Kemba Roanoke Federal Credit Union Locations
Branch Office	6001 FORT AVE	LYNCHBURG, VA 24502
Branch Office	2812 W MAIN ST	SALEM, VA 24153

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