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Quick Fact
A hybrid mortgage--sometimes called a fixed-period ARM--combines the features of both a fixed-rate and adjustable-rate mortgage by starting off with a fixed interest rate for up to 10 years and then adjusting every year for the remaining life of the loan. The beauty of the hybrid mortgage is that the initial interest rate for the fixed period of the mortgage is considerably lower than the rate on a 30-year fixed mortgage.

About Us

Commitment

Our commitment to sound business practices and the maintenance of the safety and security of KEMBA Financial Credit Union will encourage members to make this credit union their primary financial institution.

Credit Union Difference

Unlike a bank or savings institution, credit unions are founded on democratic, cooperative principles. Members have equal rights to vote and to participate in their credit union’s leadership. And as a member-owned organization, credit unions return their profits to their member-owners.

Mission

At KEMBA, we are committed to providing our members with quality financial products and exceptional service. Whether saving for the future, financing a home, purchasing a mutual fund, or obtaining a new auto - our members count on KEMBA to meet all of their financial needs.

Privacy

KEMBA Financial Credit Union is committed to making financial products and services available to its members that will enable them to meet their financial needs. Protecting personal information and using it in a manner consistent with member expectations is a high priority for everyone associated with KEMBA.