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Advertiser Disclosure
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 Kemba Credit Union Rates & Review October 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 and Verified: October 9, 2026
Kemba Credit Union's top rates as of October 9, 2026 are 4.35% APY on its 40 Month Special CD, 0.05% APY on savings, 3.00% APY on money market accounts, 4.00% APY on checking, personal loans from 13.12% APR, and credit cards from 9.90% APR, according to rates verified by MonitorBankRates. Other Kemba Credit Union CD rates include 19 Month Special CD at 4.25%, 60 Month CD at 4.00%, and 48 Month CD at 3.95%. 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 5.75%. Rates last updated and verified on 10/09/2026. 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  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. 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 Auto Loan Rates
Kemba Credit Union Credit Card Rates
Kemba Credit Union Personal Loan Rates
Kemba Credit Union Other Rates
Financial Health HistoryKemba Credit Union’s Texas Ratio rose from 1.73% in Q3 2023 to 5.75% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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
280
Part-Time Employees
27
Branch Locations
16
ATM Locations
10
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
5.75%
Return on Assets (ROA)
0.2820%
Return on Equity (ROE)
2.4140%
Non-Performing Loans Ratio (NPL)
0.85%
Total Assets
1,739,561,321
Total Amount of Shares and Deposits
1,514,079,285
Total Shares and Deposits < 1 Year
1,310,831,378
Total Shares and Deposits 1 3 Years
158,585,461
Total Shares and Deposits > 3 Years
44,662,446
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
105,868,462
Total Uninsured Shares and Deposits > $250K (F+J)
105,868,462
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,408,210,823
Total Interest Expense (Sum of items 6 8)
19,215,521
Share Certificates
15,457
Number of Accounts for Share Drafts
45,769
IRA KEOGH Accounts
4,762
Number of Accounts for Regular Shares
115,574
All other shares
4,743
Non Member Deposits
124
Money Market Shares
12,223
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
131,674,333
Total Liabilities
1,538,240,654
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Kemba Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
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Frequently Asked Questions About Kemba Credit UnionHow 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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