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 Kemba Charleston Federal Credit Union Rates & Review September 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 and Verified: September 20, 2026
Kemba Charleston Federal Credit Union's New Farm Equipment rates are at 7.99%, New Farm Equipment rates are at 9.24%. Kemba Charleston Federal Credit Union's Personal Loan Rates are as low as 14.00%. MonitorBankRates evaluates the financial stability of Kemba Charleston Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.72%. Rates last updated and verified on 09/20/2026. Kemba Charleston Federal 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 Charleston Federal Credit Union? Share your experience about Kemba Charleston Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Kemba Charleston Federal Credit Union. Kemba Charleston Federal Credit Union
Kemba Charleston FCU 1830 Roxalana Rd
https://kembacharlestonfcu.org Dunbar, WV 25064-2705 
Kemba Charleston Federal Credit Union Savings Rates
Kemba Charleston Federal Credit Union Mortgage Rates
Kemba Charleston Federal Credit Union Auto Loan Rates
Kemba Charleston Federal Credit Union RV, Boat and Powersport Loan Rates
Kemba Charleston Federal Credit Union Personal Loan Rates
Kemba Charleston Federal Credit Union Other Rates
Financial Health HistoryKemba Charleston Federal Credit Union’s Texas Ratio fell from 1.24% in Q2 2023 to 0.72% in Q1 2026, so its financial health has stayed very strong 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 Charleston Federal 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 Charleston Federal 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 Charleston Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Kemba Charleston Federal Credit Union
Website
https://kembacharlestonfcu.org
Address
1830 Roxalana Rd,
Dunbar, WV 25064-2705
Phone
304-768-5700
Fax
304-768-5899
President
Calvin Holden
CEO
Joetta Heck
Full-Time Employees
7
Part-Time Employees
1
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.72%
Return on Assets (ROA)
0.1332%
Return on Equity (ROE)
0.6655%
Non-Performing Loans Ratio (NPL)
0.49%
Total Assets
45,727,697
Total Amount of Shares and Deposits
36,137,694
Total Shares and Deposits < 1 Year
35,807,142
Total Shares and Deposits 1 3 Years
325,552
Total Shares and Deposits > 3 Years
5,000
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,150,352
Total Uninsured Shares and Deposits > $250K (F+J)
1,150,352
Total Insured Shares and Deposits > $250K (item 17 less item K)
34,987,342
Total Interest Expense (Sum of items 6 8)
87,615
Share Certificates
201
Number of Accounts for Share Drafts
1,602
IRA KEOGH Accounts
149
Number of Accounts for Regular Shares
3,542
All other shares
152
Money Market Shares
140
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)
1,641,516
Total Liabilities
36,578,021
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Frequently Asked Questions About Kemba Charleston Federal Credit UnionHow many branches does Kemba Charleston Federal Credit Union operate?Kemba Charleston Federal 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 Charleston Federal Credit Union?Yes, to access services at Kemba Charleston Federal 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 Charleston Federal 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 Charleston Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Kemba Charleston Federal Credit Union offer online and mobile banking?Most modern institutions like Kemba Charleston Federal 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://kembacharlestonfcu.org. Compare to Other Credit Unions
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