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 Kemba Financial 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.
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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 19, 2026
Kemba Financial Credit Union's 84 Month CD KEMBA Advantage rates are at 3.60%, 3 Month CD KEMBA Advantage rates are at 3.50%, 6 Month CD KEMBA Advantage rates are at 3.50%, 48 Month CD KEMBA Advantage rates are at 3.45%, 60 Month CD KEMBA Advantage rates are at 3.45%. Kemba Financial Credit Union's savings rates are at 0.05%. Kemba Financial Credit Union's money market rates are at 1.45%. Kemba Financial Credit Union's Personal Loan Rates are at 4.99%. 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 3.84%. Rates were last updated on 04/19/2026. 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. 
Kemba Financial Credit Union CD Rates
Kemba Financial Credit Union Savings Rates
Kemba Financial Credit Union Money Market Rates
Kemba Financial Credit Union Checking Rates
Kemba Financial Credit Union Home Equity & HELOC
Kemba Financial Credit Union Auto Loan Rates
Kemba Financial Credit Union Student Loan Rates
Kemba Financial Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.84%
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
Frequently Asked Questions About Kemba Financial Credit UnionIs Kemba Financial Credit Union a safe place to deposit money?Yes, Kemba Financial Credit Union is considered a safe financial institution. With a Texas Ratio of 3.8446650229381%, 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 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. Current Kemba Financial Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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