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iAdvertiser Disclosure
Advertiser Disclosure
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 Kemba Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 12, 2026
Kemba Credit Union's 15 Month CD Special rates are at 3.80%, 15 Month Special CD Special rates are at 3.80%, 60 month CDs rates are at 3.80%, 48 month CDs rates are at 3.75%, 24 month CDs rates are at 3.70%. Kemba Credit Union's savings rates are at 0.05%. Kemba Credit Union's money market rates are at 2.00%. Kemba Credit Union's Personal Loan Rates are at 13.12%. MonitorBankRates evaluates the financial stability of Kemba Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.17%. Rates were last updated on 04/12/2026. Kemba Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Kemba Credit Union? Share your experience about Kemba Credit Union by leaving a review below, or read customer reviews before you decide to use Kemba Credit Union. Kemba Credit Union
Operations Center 5600 Chappell Crossing Blvd
https://www.kemba.com West Chester, OH 45069 
Kemba Credit Union CD Rates
Kemba Credit Union Savings Rates
Kemba Credit Union Money Market Rates
Kemba Credit Union Checking Rates
Kemba Credit Union Home Equity & HELOC
Kemba Credit Union Credit Card Rates
Kemba Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Kemba Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Kemba Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Kemba Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Kemba Credit Union
Website
https://www.kemba.com
Address
5600 Chappell Crossing Blvd,
West Chester, OH 45069
Phone
513-762-5070
Fax
President
Thomas Thole
CEO
Daniel Sutton
Full-Time Employees
272
Part-Time Employees
25
Branch Locations
14
ATM Locations
11
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.17%
Return on Assets (ROA)
0.3507%
Return on Equity (ROE)
3.0968%
Non-Performing Loans Ratio (NPL)
0.85%
Total Assets
1,728,750,624
Total Amount of Shares and Deposits
1,482,191,909
Total Shares and Deposits < 1 Year
1,216,804,192
Total Shares and Deposits 1 3 Years
220,459,508
Total Shares and Deposits > 3 Years
44,928,209
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
88,143,135
Total Uninsured Shares and Deposits > $250K (F+J)
88,143,135
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,394,048,774
Total Interest Expense (Sum of items 6 8)
31,760,566
Share Certificates
15,160
Number of Accounts for Share Drafts
45,714
IRA KEOGH Accounts
4,930
Number of Accounts for Regular Shares
115,780
All other shares
4,717
Non Member Deposits
271
Money Market Shares
11,128
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
137,535,606
Total Liabilities
1,537,249,244
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Kemba Credit UnionIs Kemba Credit Union a safe place to deposit money?Yes, Kemba Credit Union is considered a safe financial institution. With a Texas Ratio of 6.1724907691654%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Kemba Credit Union operate?Kemba Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Kemba Credit Union?Yes, to access services at Kemba Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Kemba Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Kemba Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Kemba Credit Union offer online and mobile banking?Most modern institutions like Kemba Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.kemba.com. Current Kemba Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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