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CUBS

How to be a CUBS member:

  • Be 12 Years old or younger
  • Be eligible for Membership at Kemba
  • Open a CUBS Savings account at Kemba with $5 or more and keep this much or more in your savings account at all times

Every new CUBS member receives a transaction record book, deposit/withdrawal tickets, and a Kemba CUBS ID card.

As your balance reaches goals you receive fun gifts. The more you participate in Kemba CUBS the better the prize!

During the month of your birthday, visit any Kemba office for the Kemba Coin Grab!

Special Event for Kemba CUBS Members!

Newsletter for Kemba CUBS Members only. And, we would like your help with exciting stories or achievements.

Contests with fun prizes that encourage Kemba CUBS Members to do their best.

A fun way to learn about saving money and start the foundation of good money management. Watch your savings grow as interest is added to your account every month.

LIONS

Leaders In Our Nations Success (LIONS) is a great way for teens to experience the financial decision making processes early in life. LIONS allows teens to experience real world financial situations.

ATM
Unlimited withdrawals and deposits at any Kemba ATM
8 FREE Jeanie (non-Kemba) withdrawals per month
No-Surcharge ATM access at any Kemba office, or Jeanie ATM's located inside Greater Cincinnati/Dayton Kroger Stores
Access to the ATM no-surcharge alliance called "Alliance One."

Share/Savings Accounts
Begins earning dividends at $100
Deposits and withdrawals can be made at anytime without fees
Watch savings grow - with Web Connect

Certificate of Deposit
Begin with a minimum of $25 or open your share account with direct deposit or payroll deduction
Earns variable dividends (adjusts with Prime*)
This 18 month certificate is renewable up to your eighteenth birthday
You select the appropriate name for your individual savings account(i.e.Car Certificate, College Certificate)

Checking Accounts
Checking account with co-signer
Free checks(1 box per year)
Unlimited check writing
Free VISA debit/check card with co-signer
Dividend earning options available
Free access to monitor account through Web Connect and Touch-Tone-Teller
Loans Available To You!

Secured Loans
A co-signer will be needed for all loans
Use your share savings or share certificate as collateral for a loan
Student loan or a collegiate line of credit available
Get a new or used car loan
Computer loans available
Ways To Save, Ways To Pay!

CAP

CAP is a money management program designed especially for college students. This account includes: A student checking account with all the conveniences you're looking for. There are no service fees, no per-transaction fees, and no minimum balance requirements. In addition to your free checks, you're allowed unlimited Jeanie ATM withdrawals plus up to 5 withdrawals per month at any other ATM, all at no cost! This account is complimented by our Mane Check Card. This debit/check card can be used at any restaurant, grocery store, shopping center, movie theater, etc. that accepts VISA, and the funds will be debited straight from your checking account. Also, this card allows you to get cash at any ATM or financial institution that displays the VISA symbol.

Kemba's Visa® offers CAP members no annual fee and a low annual percentage rate. When you compare that to others who charge up to 33%, we definitely score an A+ in this department.

Web Connect, Kemba's Internet Service allows you free access to your Kemba accounts 24 hours a day. You can transfer funds, pay bills or balance your checkbook! Simply use your PC at home or school. It's the next best thing to being there.

Kemba awards Five - $1,000 scholarships to full time students who attend a 2 or 4 year accredited college. Applicants are scored on academic achievement, extra-curricular activities, financial need, community/civic involvement, completion of an essay, and letters of recommendation.

Prime Times

What is Prime Times?
Prime Times is a club offered by Kemba Credit Union, exclusively for members age 50 and better. This club will combine value with the security and quality service you seek when handling your financial affairs.

Why join Prime Times?
Your financial needs are our first priority. Enhance your Kemba relationship by enjoying:

  • An additional 1/4% higher rates on share certificates
  • One complimentary box of checks per account, per year
  • 50% off your first year’s rental charge of a safe deposit box
  • Free wire transfers within the continental United States
  • A special "Prime Times" newsletter
  • Free cashier's checks
  • Special informational/educational seminars with experts in related fields

To qualify:
You must be a Kemba member maintaining a $50 balance in your share/savings account. Membership is only $25 per year or just over $2 per month. Dues are waived if Kemba receives direct deposit of Social Security, retirement benefits, or payroll.