APY = Annual Percentage Yield. All deposit rates are accurate as of 1/12/2024. Rates, terms, and conditions are subject to change. APY is accurate as of the last dividend declaration date. Fees may reduce earnings on the account. Rate may change after account opening

Personal Loans Learn More

Product APR as low as*
Personal Loan 13.12%

*APR = Annual Percentage Rate. Minimum credit score of 710+ required. Example loan in the amount of $10,000.00 for 60 months, would have a monthly payment of $227.10, with an interest rate of 12.90% and an APR of 13.122%. Upon approved credit. All loans are subject to approval. Rates, terms, and conditions are subject to change. This rate is accurate as of 10/17/2023.

Home Equity Line of Credit Learn More

Product APR as low as*
Home Equity Line of Credit (80% LTV - Max) 8.50%

Prime Rate 8.50% as of 08/09/2023

*Upon approved credit. APR= Annual Percentage Rate. Primary Residence only. Kemba refinances do not apply. Home Equity loans are not available in all states. Rate reflects 80% or less Loan-to-Value (LTV) and credit score of 700+. Prime is as stated in the Wall Street Journal, subject to adjustment on the first day of each calendar quarter with a maximum APR of 8.50% and a minimum APR of 2.00%.The current rate of Prime + 0.00% is only available on new loans (new money) and a credit score of 700 or better. The $50 annual fee on the LOC will be waived the first year. Contact your tax advisor for tax deductibility. Your Annual Percentage rate can change quarterly. There is no limit on the amount by which the interest rate can change during any one-year period other than the maximum Annual Percentage Rate that can apply at any time on this account. To open and maintain a line of credit, you may have to pay us an application fee of $500.00. Please contact us at 513-763-8189 for other available Home Equity products. NMLS# 422067

Automobile Learn More

Model Year Term APR as low as*
2019-2023 Up to 63 Months 7.19%

*APR = Annual Percentage Rate. Model years 2021 - 2024. Minimum credit score of 750+ required. Maximum term of 63 months. Example loan in the amount of $20,000.00 for 63 months, would have a monthly payment of $380.21, with an interest rate of 6.99% and an APR of 7.191%. New money only. Upon approved credit. Kemba refinances do not apply. Rates subject to change. This rate is accurate as of 1/3/2024.

Credit Cards Learn More

Product APR* Disclosures
Visa (Variable) 15.49% (Prime + 6.99%) Disclosure
Visa Gold (Variable) 13.24% (Prime + 4.74%) Disclosure
Visa Platinum 9.90% Disclosure

Prime Rate 8.50% as of 10/19/2023

*APR = Annual Percentage Rate. Transaction fee for balance transfers and cash advances: 2% of each advance; minimum of $2, maximum $50. Foreign currency transaction fee 1%. Approval is based upon credit worthiness. Terms and conditions may apply for loan approval. Not everyone will qualify for the credit terms advertised.

Certificates Learn More

Term APY* Dividend Rate
3 Months 3.55% 3.49%
6 Months 4.30% 4.21%
12 Months 4.60% 4.50%
18 Months 4.50% 4.40%
24 Months 4.45% 4.35%
30 Months 4.40% 4.31%
36 Months 4.35% 4.26%
48 Months 4.30% 4.21%
60 Months 4.25% 4.16%

Certificate Special

Term APY* Dividend Rate
11 Month Special  5.00% 4.88%
17 Month Special 4.75% 4.64%

Bonus Certificate 

Term APY** Dividend Rate
24 Month Bonus  5.00% (Months 1-12) 4.88%
4.00% (Months 13-24) 3.92%

*Early withdrawals subject to penalty. Minimum balance to open and earn dividends: $500.00. Fees may reduce earnings on the account.

**APY = Annual Percentage Yield. Early withdrawals subject to penalty. Minimum balance to open and earn dividends: $500.00. Months 1-12 APY = 5.00% Rate = 4.88%. Months 13-24 APY = 4.00% Rate = 3.92%. Rates subject to change. Rates as of 1/12/2024. IRAs are not eligible. 

Business Checking Learn More

Product Balance APY* Dividend Rate
Business Prestige $2,500.00+ 0.25% 0.25%
Business Platinum $2,500.00 - $24,999.99 0.25% 0.25%
Business Platinum $25,000.00+ 0.30% 0.30%

Rates subject to change. Fees may reduce earnings on the account

Savings

Product APY* Dividend Rate
Regular Savings 0.05% 0.05%
Secondary Savings 0.05% 0.05%
Holiday Club 0.05% 0.05%
Vacation Club 0.05% 0.05%

Get Green Rewards Checking Learn More

Balance APY* Dividend Rate
$0 - $15,000 4.00% 3.92%
$15,000+ 0.15% 0.15%
Qualifications not met 0.05% 0.05%

Money Market Learn More

Balance APY* Dividend Rate
$2,500 - $24,999 2.00% 1.980%
$25,000 - $74,999 2.25% 2.225%
$75,000+ 2.50% 2.469%

HSA Checking Learn More

Balance APY* Dividend Rate
$100 - $2,499 0.75% 0.75%
$2,500+ 1.00% 1.00%