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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.

Consumer Credit Counseling Services


KEMBA Financial Credit Union, in partnership with Consumer Credit Counseling Services (CCCS) of Columbus, is proud to offer financial and credit counseling for our members.

Tim Powell, a certified counselor, is on staff at our Broad Street Branch to examine ways to solve your current financial situation and provide you with possible solutions.  You can reach Tim at (614)-235-2395, ext. 141, or you can email him at .

Tim will be glad to set up a confidential meeting to discuss:

  • Debt Management Program
  • Money Management Education
  • Credit Report Review
  • Mortgage Counseling