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Kemba Financial Credit Union

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Kemba Financial Credit Union Rates & Review July 2026

Q: Is a member application needed to join Kemba Financial Credit Union?

Yes, to access services at Kemba Financial 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Kemba Financial Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: July 15, 2026

You can compare Kemba Financial Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 2.75%, 6-month share certificate rates at 1.00% and 3-month share certificate rates at 3.75%. Savings rates are at 0.55% and money market rates are at 0.20%. Mortgage rates on 30-year fixed loans are around 5.95%. All these rates can be compared to Kemba Financial Credit Union rates. MonitorBankRates evaluates the financial stability of Kemba Financial Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.65%. Rates were last updated on 07/15/2026.

Kemba Financial 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 Financial Credit Union? Share your experience about Kemba Financial Credit Union by leaving a review below, or read customer reviews before you decide to use Kemba Financial Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.65%

Excellent Lower than avg

Kemba Financial Credit Union
Corporate

555 Officenter Pl
Gahanna, OH 43230 5314

https://www.kemba.org

Current Rate Availability

We do not have Kemba Financial Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Kemba Financial 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 Financial 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 Financial Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Kemba Financial Credit Union

Website https://www.kemba.org

Address 555 Officenter Pl, Gahanna, OH 43230 5314

Phone 614-235-2395

Fax 614-338-3542

President Mike Slaper

CEO Donna Grimmett

Full-Time Employees 336

Part-Time Employees 8

Branch Locations 12

ATM Locations 14

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.65%

Return on Assets (ROA)

0.6986%

Return on Equity (ROE)

5.6055%

Non-Performing Loans Ratio (NPL)

0.63%

Total Assets

2,360,615,154

Total Amount of Shares and Deposits

1,945,310,547

Total Shares and Deposits < 1 Year

1,820,219,555

Total Shares and Deposits 1 3 Years

101,458,377

Total Shares and Deposits > 3 Years

23,632,615

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

119,212,090

Total Uninsured Shares and Deposits > $250K (F+J)

119,212,090

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,826,098,457

Total Interest Expense (Sum of items 6 8)

37,778,947

Share Certificates

15,125

Number of Accounts for Share Drafts

82,994

IRA KEOGH Accounts

5,567

Number of Accounts for Regular Shares

203,504

All other shares

3,745

Non Member Deposits

119

Money Market Shares

23,178

Net Income (unless the amount is already included in Undivided Earnings)

16,491,364

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

48,543,539

Total Liabilities

2,080,109,759

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for Kemba Financial Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

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Total Reviews

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Frequently Asked Questions About Kemba Financial Credit Union

How many branches does Kemba Financial Credit Union operate?

Kemba Financial 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 Financial Credit Union?

Yes, to access services at Kemba Financial 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 Financial 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 Financial Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Kemba Financial Credit Union offer online and mobile banking?

Most modern institutions like Kemba Financial 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.org.