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.
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Retirement, Insurance & Investments from a Trusted Partner
A Message from MEMBERS Financial Services
Trust is everything – especially when it comes to your insurance and investments. That’s why we are honored to have been chosen by KEMBA Financial Credit Union as the financial services partner to serve the needs of members like you.
Designed exclusively for credit union members, and located right here at the credit union, MEMBERS Financial Services is a full-service financial advisory program. We provide retirement, insurance and investment services to members like you. We’re here to help you and your family through a lifetime of financial planning needs – from those just starting a savings plan, to those with sizable assets looking for more sophisticated management tools.
Some of the products and services available include:
- Retirement Planning
- Wealth Management
- Education Funding
- Mutual Funds
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- 401(k) / Pension Rollovers
- Life Insurance
- Long-Term Care Insurance
- Tax-managed Investing*
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MEMBERS Financial Services is staffed by Frank Yensel, a knowledgeable and experienced financial advisor devoted to serving all your retirement, insurance and investment needs. Frank has over 25 years in the financial industry, and understands the importance of a trusted partner. Be assured Frank will serve you with the same personalized attention you’ve come to expect from your credit union. Call Frank today for a no-cost, no-obligation appointment at (614) 358-4261.
*Representatives are not tax advisors. For more information regarding your specific tax situation, please consult a tax professional. Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member NASD/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (866) 512-6109. Nondeposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members.
B2MM-0906-C110
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