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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
KEMBA ROANOKE Rates & Review March 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: March 24, 2026
KEMBA ROANOKE's 5 Year CDs rates are at 1.10%, IRA CDs 5 Year rates are at 1.10%, 4 Year CDs rates are at 1.00%, IRA CDs 4 Year rates are at 1.00%, 3 Year CDs rates are at 0.90%. KEMBA ROANOKE's money market rates are at 0.10%. KEMBA ROANOKE's Personal Loan Rates are at 10.55%. MonitorBankRates evaluates the financial stability of KEMBA ROANOKE with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.00%. Rates were last updated on 03/24/2026. KEMBA ROANOKE 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 ROANOKE? Share your experience about KEMBA ROANOKE by leaving a review below, or read customer reviews before you decide to use KEMBA ROANOKE. The Merchants & Planters Bank
KEMBA ROANOKE MAIN 2812 W MAIN ST
http://www.kembafcu.org SALEM, VA 24153 
KEMBA ROANOKE CD Rates
KEMBA ROANOKE Savings Rates
KEMBA ROANOKE Money Market Rates
KEMBA ROANOKE Home Equity & HELOC
KEMBA ROANOKE Auto Loan Rates
KEMBA ROANOKE Credit Card Rates
KEMBA ROANOKE Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for KEMBA ROANOKE 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 ROANOKE 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 ROANOKE's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
KEMBA ROANOKE
Website
http://www.kembafcu.org
Address
2812 W MAIN ST,
SALEM, VA 24153
Phone
540-387-5267
Fax
540-387-2854
President
GARRETT PAGANS
CEO
ALLAN DAVIDSON
Full-Time Employees
11
Part-Time Employees
0
Branch Locations
2
ATM Locations
1
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
3.00%
Return on Assets (ROA)
0.4670%
Return on Equity (ROE)
2.9250%
Non-Performing Loans Ratio (NPL)
1.54%
Total Assets
76,836,001
Total Amount of Shares and Deposits
65,086,636
Total Shares and Deposits < 1 Year
60,919,386
Total Shares and Deposits 1 3 Years
3,098,268
Total Shares and Deposits > 3 Years
1,068,982
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,241,186
Total Uninsured Shares and Deposits > $250K (F+J)
1,241,186
Total Insured Shares and Deposits > $250K (item 17 less item K)
63,845,450
Total Interest Expense (Sum of items 6 8)
583,618
Share Certificates
482
Number of Accounts for Share Drafts
2,291
IRA KEOGH Accounts
308
Number of Accounts for Regular Shares
4,461
Money Market Shares
266
Net Income (unless the amount is already included in Undivided Earnings)
358,801
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
5,633,841
Total Liabilities
64,569,333
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About KEMBA ROANOKEIs KEMBA ROANOKE a safe place to deposit money?Yes, KEMBA ROANOKE is considered a safe financial institution. With a Texas Ratio of 3.0049072820753%, 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 ROANOKE operate?KEMBA ROANOKE 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 ROANOKE?Yes, to access services at KEMBA ROANOKE, 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 ROANOKE 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 ROANOKE provides members with tools to manage their accounts and build a solid financial history. Does KEMBA ROANOKE offer online and mobile banking?Most modern institutions like KEMBA ROANOKE 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: http://www.kembafcu.org. Current KEMBA ROANOKE Rates
Retrieved from our database of financial products. Rates subject to change.
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