Credit union · NCUA insured
Kemba Charleston Federal Credit Union
A $45.7M credit union headquartered in Dunbar, WV, with 3,420 members and 1 branch in West Virginia. Best rates: savings 0.05% APY.
Kemba Charleston Federal Credit Union Carrot Score
69
Carrot Score
Higher than 25% of U.S. banks and credit unions
#11 of 15 in Charleston, WV metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Kemba Charleston Federal Credit Union
Kemba Charleston Federal Credit Union was organized in 1935 and chartered in 1936 as the first federally-chartered credit union in West Virginia.
The institution is a member-owned cooperative governed by a volunteer board of directors elected by its membership.
- Headquarters
- 1830 Roxalana Rd, Dunbar, WV 25064-2705
- NCUA charter
- 108
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who reside, work, worship, or attend school, as well as business entities, in the towns of Dunbar, Institute, and Nitro, WV within zip codes 25064, 25112, or 25143 and census tracts 0101.00-0104.00 or 0106.00 are eligible for membership.
Employers and groups
- Employees of Kroger Co. are eligible for membership.
- Employees and members of designated select employee groups and affiliated organizations are eligible for membership.
Military, government and schools
- Employees of Kanawha County Emergency Ambulance Authority who work in or are paid from Charleston, WV are eligible for membership.
Family and household
- Families of Kroger Co. employees are eligible for membership.
Cost to join
- Opening a primary share account requires a minimum share deposit of $5.00 (par value $5.00).
Branches
1 branch in West Virginia
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West Virginia
1 branch
- Kemba Charleston FCUMain office1830 Roxalana Rd, Dunbar, WV 25064Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 20.64% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.00% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.64% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $39 | $59 | — |
- CapitalNet worth ratio20.64%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.00%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.64%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$39Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Kemba Charleston Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.