Welcome To Kemba
Dear Member,
We’re excited to announce that Whitewater Regional Federal Credit Union will officially merge with Kemba Credit Union, effective September 1, 2025.
For over 91 years, Kemba has been a trusted name in financial strength, security, and community commitment in Ohio, Indiana, and Kentucky. This merger means you’ll soon enjoy all the benefits more than 130,000 Kemba members currently enjoy.
WHAT THIS MEANS FOR YOU:
Beginning September 1, you’ll have access to:
- Kemba's full offering of savings accounts and loans
- The same friendly Whitewater staff you know, as part of the Kemba team
- Your current Whitewater branch, rebranded as Kemba Credit Union
- 13 additional Kemba branches
- 5,000+ shared branching locations nationwide, free of charge
- 100,000+ surcharge-free ATMs across the country
- Convenient online banking, and mobile banking through the Kemba Mobile App
WHAT’S NEXT:
In the coming weeks, you’ll receive detailed information about:
- Your current accounts
- New services and tools available to you
- How to get the most out of your Kemba membership
Please keep an eye on your mailbox and inbox for these updates. In the meantime, you can visit kemba.com/whitewater or call 513.762.1660 with any questions.
Our team looks forward to providing you with innovative products, outstanding service, and a continued commitment to your financial well-being. We’re delighted to welcome you to the Kemba family!
Sincerely,
Dan Sutton
President / CEO
Kemba Credit Union
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Frequently Asked Questions
What is the effective date of the merger?
- The effective date of the merger is September 1, 2025.
Why is this merger beneficial for WWRFCU members?
- WWRFCU members will gain access to more products and services, competitive loan and savings rates, 13 additional branch locations, access to the shared branching network, and much more.
WWRFCU Branch Information
Address: 3030 Western Ave, Connersville, IN 47331
Current Hours: Monday–Friday, 9:00 AM – 5:00 PM
After Merger: Monday -Friday 8:30 – 5:00pm
Current Phone: 765-827-1317
After the Merger this number will forward to Kemba’s Contact Center
Routing Number 274972948
What is WWRFCU’s field of membership? i.e. who can join?
- WWRFCU’s field of membership includes anyone who lives, works, worship, attends school, or volunteers in Fayette, Franklin, Rush, or Union Counties in Indiana.
- Have an immediate family or household member who is already a member.
- Note: WWRFCU’s original Select Employer Group was the Roots Blower Company in Connersville, IN.
Is WWRFCU part of the Shared Branching Network?
- Not currently. After the merger, members will gain access to shared branching.
- The Connersville location will be able to serve other participating shared branching credit union members after the merger.
WWRFCU August 2025 Statements will be mailed to all members.
Debit Card Details
-
Members can activate their card anytime but cannot start using their Kemba debit card until September 2.
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Members should continue to use their WWRFCU debit card until the end of day on September 1, 2025.
- WWRFCU debit cards will be deactivated on September 2.
- Card transactions authorized, but not posted prior to the merger, will be posted during the first week of September.
Credit Card Details
- Members can continue to use their WWRFCU credit card until 9/2/25.
- Cards can be activated at any time but will not work until 9/2/25.
- Kemba will honor the WWRFCU rewards/cashback program until further notice.
Savings & Checking Details
Will automated payments, direct deposits, and checks continue to occur and clear without interruption after the merger?
-
WWRFCU members can continue to use existing checks even after the merger.
-
Automated payments and direct deposits will also continue to be processed after the merger without the member having to notify vendors, employer, etc.
Will internal automatic transfers and automatic distributions continue to occur after the merger?
- Any automated internal transfers and distributions will continue to occur after the merger.
Do WWRFCU members need to order new checks right away?
-
No, checks with the Whitewater routing and account number will continue to clear normally. When WWRFCU members request a new order through the credit union, the checks will automatically have the Kemba’s routing and account number.
Will savings rates change?
-
All savings/share rates will be converted to Kemba’s rate schedule starting September 1, 2025. Please view the deposit rate change notice accordion.
- Certificate of Deposits will come over with the contracted and original WWRFCU rate and term.
How will the WWRFCU “Over 50 Club” account type be converted?
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The “Over 50 Club” will transition to Kemba’s Prime Time program.
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Members will continue to receive one free box of checks per year.
Loan Details
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Internal auto transfers will continue to occur.
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Important to Note: Whitewater processed auto transfers in the morning. Kemba will process auto transfers at the end of business on the due date.
Online/Mobile Banking Details
How will WWRFCU’s online banking access be affected?
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Access will be unavailable on the evening of August 29, 2025, as the merger process begins.
Will online/mobile banking credentials change?
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Current WWRFCU credentials will work until August 29, 2025.
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Starting September 2, 2025, WWRFCU members will need to register and create a new username and password on Kemba’s online banking platform.
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Mobile deposit- if the member had remote deposit with WWRFCU they will have access to it with Kemba at Kemba’s limits.
Fee Details
When will Kemba’s fee schedule go into effect for WWRFCU members?
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Kemba will waive certain fees for the first 90 days after the merger
Make a Credit Card Payment
Do you need to make a payment towards your Whitewater Regional FCU credit card?
Merger Letter
Dear Member,
We, your Board of Directors, are pleased to announce that Whitewater Regional Federal Credit Union will be merging with Kemba Credit Union, effective September 1, 2025. This partnership will provide Whitewater Regional FCU members with access to enhanced benefits, expanded services, and additional branch locations. Kemba Credit Union will detail these added benefits in forthcoming communications.
We are excited about this merger and the immediate advantages it will bring. By joining with Kemba, members will have access to 13 additional branch locations, expanded financial products and services, and a continued commitment to the credit union philosophy we all value. Both credit unions share a rich history of member-focused service and community support, making this a natural and beneficial fit.
As part of this transition, Whitewater Regional FCU staff will become part of the Kemba team, and the current Whitewater Regional FCU branch will be rebranded under the Kemba Credit Union name. Beginning September 1, 2025, all Kemba products, services, and locations will be available to you.
In the coming weeks, Kemba will provide detailed information about the merger, including changes to your account and new services available to you. For ongoing updates and resources, please visit www.kemba.com/whitewater.
Thank you for your continued support. It has been an honor serving you and we are confident that Kemba will work diligently to bring you the latest products and services available and will continue striving to enrich the financial lives of our members every day.
Sincerely,
Connie Chandler
Board President
Whitewater Regional Federal Credit Union
Important Documents and Information
Account Information Booklet/Truth in Savings
California Residents Privacy Policy
Deposit Rate Change Notice
Dear Member,
In preparation for the upcoming merger with Kemba Credit Union, we are writing to inform you of changes to our dividend rates. A summary of these changes can be found in the table below:
|
WWR FCU |
Kemba CU |
|
|
(From) |
(To) |
|
|
Effective July 9, 2025: |
||
|
Hi-Rate Savings ("Money Market") |
||
|
<$2,500 |
0.20% |
2.00% |
|
$2,500-$10,000 |
0.25% |
2.00% |
|
$10,000-$25,000 |
0.50% |
2.00% |
|
$25,000+ |
0.75% |
2.25% |
|
Certificates |
||
|
6 Months |
0.20% |
3.90% |
|
12 Months |
0.25% |
3.90% |
|
18 Months |
0.50% |
3.90% |
|
24 Months |
0.75% |
3.90% |
|
Effective September 1, 2025 |
||
|
Regular Savings (up to $10k) |
0.10% |
0.05% |
|
Regular Savings (over $10k) |
0.15% |
0.05% |
|
Christmas Club |
0.15% |
0.05% |
|
IRA |
0.75% |
0.05% |
Thank you for your trust in Whitewater Regional Federal Credit Union. For ongoing updates and resources regarding the merger with Kemba, please visit www.kemba.com/whitewater.
Sincerely,
Connie Chandler
Board President
Whitewater Regional Federal Credit Union
Kemba's Mobile App
You will be able to use Kemba's mobile banking app starting Monday, September 1, 2025. Download the app by visiting Google Play or the App Store.
Debit Card Letter
IMPORTANT DEBIT CARD INFORMATION
Welcome to Kemba Credit Union! As a Kemba member, you’ll receive a new Kemba debit card in the next few days. Your new Kemba card will replace your Whitewater Regional Federal Credit Union debit card when the merger is complete at the end of the day Monday, September 1, 2025. You will retain all of the benefits you currently enjoy with your Whitewater debit card, while also providing access to thousands of surcharge-free ATM locations for your banking needs.
WHAT YOU NEED TO KNOW ABOUT YOUR NEW DEBIT CARD
- Your current Whitewater debit card will work through the end-of-day on Monday, September 1, 2025.
DO NOT destroy your Whitewater debit card until AFTER Monday, September 1, 2025.
-
-
- You can activate your new Kemba card any time after you receive it; however, it will not be ready for use until Tuesday, September 2, 2025.
- To activate your card, you will need to call from your primary phone number. During this call, you will select your desired personal identification number (PIN). It is essential that you choose a PIN during this call, as it is the final step in the activation process.
-
PLEASE NOTE: The Kemba card will not be ready for use until Tuesday, September 2, 2025.
CONVENIENT ATM LOCATIONS
With your Kemba debit card, you will have access to over 30,000 surcharge-free ATMs nationwide. Please visit kemba.com to view our surcharge-free ATM locations.
If you have any questions, please call us at 513.762.1660 or visit us online at www.kemba.com/whitewater.
Kemba Member Services
Insured by NCUA
Credit Card Letter
IMPORTANT CREDIT CARD INFORMATION
Welcome to Kemba Credit Union! As a Kemba member, you’ll receive your new Kemba VISA card in the next few days. This card will replace your Whitewater Regional Federal Credit Union credit card when the merger is complete at the end of the day on Monday, September 1, 2025. We encourage you to activate the new Kemba VISA card at your earliest convenience, however, your Kemba VISA card will not work for purchases until Tuesday, September 2, 2025.
WHAT YOU NEED TO KNOW ABOUT ACTIVATING YOUR NEW KEMBA VISA CARD
- Your current Whitewater credit card will work through the end-of-day on Monday, September 1, 2025.
DO NOT destroy your Whitewater credit card until AFTER Monday, September, 1, 2025.
- After you’ve received your new Kemba VISA card, you can activate it anytime. You may start using the credit card on Tuesday, September 2, 2025.
- To activate your Kemba VISA card, you will need to call from your primary phone number. During this call, you will select your desired personal identification number (PIN). It is essential that you choose a PIN during this call, as it is the final step in the activation process.
NOTE: The Kemba VISA card will NOT be ready for use until Tuesday, September 2, 2025.
- For reoccurring charges, please notify the merchant as soon as possible of your new VISA card number and new expiration date. You will need to make sure that the merchant changes your information for payments occurring after September 2, 2025.
CREDIT CARD PAYMENTS
Your Whitewater credit card payment due date, currently scheduled for September 5, 2025, has been extended to September 15, 2025 and will be due on the 15th of each month moving forward. For payments between August 28 through September 1, 2025, you may process your payment through the Whitewater online portal, via https://www.kemba.com/whitewater and scroll down to the ‘Make A Credit Card Payment’ option. Please follow the instructions to complete the transaction. For payments made AFTER September 2, 2025, you may transfer funds within your Kemba digital banking account or set up a payment transfer from another financial institution.
REWARDS PROGRAM
Whitewater credit card members currently enrolled in the Cashback Rewards Program will retain all points earned year-to-date. At the present time, your rewards program will remain the same, except for the due date of your payment.
If you have any questions, please contact us at 513.762.1660 or visit us online at www.kemba.com/whitewater.
Kemba Member Services
Insured by NCUA
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