It's okay. You can treat Kemba Credit Union like a bank. In fact, it makes perfect sense.

That's because Kemba provides all of the services, products and resources of a bank. So you can save with us, borrow from us, invest through us. All with the same sense of security and stability you expect from a financial institution.

But the reason to come to Kemba isn't because of the things we do like a bank, it's because of the things we do differently:

  • Like listening and getting to know you.
  • Like making member connections personal rather than merely transactional.
  • Like offering higher rates on savings and lower rates on loans.
  • Like considering small a virtue and local a benefit.

Join Kemba Credit Union. Because you deserve more than banking.

Membership Eligibility

Kemba membership is available through many avenues. With a membership charter serving Southwestern Ohio and the Tri-State area, almost everyone is eligible to join.

Kroger Plus Card Holders:

Anyone who lives in the Greater Cincinnati area and holds a Kroger Plus Card can now join Kemba. If your local Kroger store is in Northern Kentucky or Southeast Indiana, you're eligible for Kemba membership! Stop by your local branch with your Kroger Plus Card and sign up today for all the benefits Kemba has to offer.

Our Company Partners:

If you work for any of the 600 eligible companies, you're eligible!

Ohio Counties:

If you live, work, worship or attend school in one of the following counties, you're eligible:

  • Adams
  • Brown
  • Butler
  • Clark
  • Clermont
  • Clinton
  • Darke
  • Fayette
  • Greene
  • Hamilton
  • Highland
  • Miami
  • Montgomery
  • Preble
  • Warren

Kentucky Counties:

If you live, work, worship or attend school in one of the following counties, you're eligible:

  • Boone
  • Campbell
  • Carroll
  • Gallatin
  • Grant
  • Kenton
  • Owen
  • Pendleton

Indiana Counties:

If you live or work in one of the following counties, you're eligible:

  • Franklin
  • Dearborn

Immediate Family Members:

  • You are also eligible to join if one of your immediate family members is a member of Kemba.

Once a Member, Always a Member!

Even if you move or change jobs, as long as you keep your $5 minimum balance in your savings account, you will always be a member. Payroll deduction/direct deposit and other automated procedures can still be achieved with ease! Simply contact us and a Kemba member service representative will walk you through the process.

10 Reasons to Join Kemba

  1. Opening an account is easy. If you live in the Greater Cincinnati Area, you are eligible to open an account, and you only need to maintain a $5 balance to benefit from our products and services.
  2. Better rates of return. Kemba provides higher interest rates on basic savings accounts, interest-bearing checking accounts and Certificates.
  3. Rewards Checking. Our Get Green Checking Account rewards you with a high interest rate. Or, choose our Get Tunes Checking to earn monthly refunds for your purchases on iTunes and
  4. Lower interest rates on credit cards and loans. From credit cards to car loans, Kemba consistently offers lower rates, better terms and lower fees. DataTrac, a national interest rate-tracking service, finds that rates on car loans offered by credit unions average 1.5 to 2.0 percent lower than banks.
  5. Accounts insured by the U.S. government. Kemba accounts are insured up to $250,000 by the NCUA, just as the FDIC insures bank and thrift deposits of up to $250,000.
  6. Competitive mortgage rates and equity loans. Kemba offers extremely competitive interest rates on home mortgages, equity loans and lines of credit. Not only are the rates low, but closing costs generally are much lower than those paid through other lenders.
  7. Credit counseling. Kemba knows that it is sometimes difficult for families to meet their obligations, so we have established partnership programs to help our members get back on their feet.
  8. A voice in your credit union's operations. As a member-owner of Kemba, you are entitled to vote on credit union business and elect new board members.
  9. Once a member, always a member. As long as you maintain an account, you will always be a member of Kemba, even if you move. Today we offer a number of services online and by telephone, so convenience is maintained.
  10. Community outreach and service. In collaboration with our members, Kemba actively supports several local outreach organizations, including Adopt-A-Class, the Cincinnati Freestore Foodbank, Children's Miracle Network, Special Olympics Hamilton County and others.

Our Company Partners

If you work for any of the more than 600 companies in the Greater Cincinnati area, you are eligible. Ask your employer today if they offer Kemba Credit Union as a benefit.

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