Credit union · NCUA insured
Kemba Credit Union
A $1.8B credit union, the 284th largest of 4,329, headquartered in West Chester, OH, with 130,955 members and 14 branches in 3 states. Best rates: CDs 4.35% and savings 2.00% APY.
Kemba Credit Union Carrot Score
85
Carrot Score
Higher than 71% of U.S. banks and credit unions
#19 of 58 in Cincinnati, OH-KY-IN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Kemba Credit Union
Organized in 1934 by seven Kroger Manufacturing Plant employees in Cincinnati, Kemba Credit Union was originally established to serve factory and packinghouse workers.
Headquartered in West Chester, Ohio, the credit union serves members across Southwestern Ohio and the greater Tri-State area.
- Headquarters
- 5600 Chappell Crossing Blvd, West Chester, OH 45069
- NCUA charter
- 61810
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This may be incomplete or out of date, so check with the credit union before you apply.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 live or work in specified Indiana counties (Dearborn, Fayette, Franklin, Rush, Union, Wayne, or Wells) are eligible.
- Persons who live, work, worship, or attend school in specified Kentucky counties (Boone, Campbell, Carroll, Gallatin, Grant, Kenton, Owen, or Pendleton) are eligible.
- Persons who live, work, worship, or attend school in specified Ohio counties (Adams, Brown, Butler, Clark, Clermont, Clinton, Darke, Fayette, Greene, Hamilton, Highland, Miami, Montgomery, Preble, or Warren) are eligible.
Employers and groups
- Employees of any of the more than 600 partner companies are eligible for membership.
Family and household
- Immediate family members of an existing Kemba Credit Union member are eligible to join.
Other ways
- Anyone who lives in the Greater Cincinnati area and holds a Kroger Plus Card (or whose local Kroger store is in Northern Kentucky or Southeast Indiana) is eligible to join.
Cost to join
- Membership requires maintaining a $5 minimum balance in a savings account.
Branches
14 branches in 3 states
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Ohio
10 branches
- Amelia1135 W Ohio Pike, Amelia, OH 45102Directions
- Blue Ash11200 Kenwood Rd, Blue Ash, OH 45242Directions
- Bridgetown5844 Bridgetown Rd, Cincinnati, OH 45248Directions
- College Hill6230 Hamilton Ave, Cincinnati, OH 45224Directions
- Downtown Cincinnati629 Vine St, Cincinnati, OH 45202Directions
- Queensgate1119 W 8th St, Cincinnati, OH 45203Directions
- Springdale211 Northland Blvd, Cincinnati, OH 45246Directions
- Harrison10396 Harrison Ave, Harrison, OH 45030Directions
- South Lebanon209 E Forest Ave, South Lebanon, OH 45065Directions
- Union Centre8763 Union Centre Blvd, West Chester, OH 45069Directions
Indiana
3 branches
Fort Wayne area · 1
- Peyton1111 S Adams St, Bluffton, IN 46714Directions
Connersville area · 1
- Connersville3030 Western Ave, Connersville, IN 47331Directions
Richmond area · 1
- Richmond50 N 5th St, Richmond, IN 47374Directions
Kentucky
1 branch
- Florence5935 Merchants St, Florence, KY 41042Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.68% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.85% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.56% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $94 | $88 | — |
- CapitalNet worth ratio11.68%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.85%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.56%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$94Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more 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 Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.