Life Events

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Meeting Your Needs When Life Changes


Your closest friends are those who celebrate milestones with you and help you navigate life's twists and turns. At KEMBA Financial Credit Union, we strive to be your financial partner for life, assisting and supporting you in the same way with accounts, services and advice you can trust as your journey continues.


Fresh Start

New Beginnings


A fresh start is an exhilarating sensation. Maybe you have your college degree in hand and you're ready to put it to work in the world. Or a new job has your career path on an exciting trajectory. Have you just tied the knot with your partner? Walking down the aisle and into a new life leads to so many different experiences and opportunities. Along the way, we can help you fine-tune your approach to personal finances.
happy young woman

  • Auto Loans: Whether you're buying a new or used car or looking to refinance your existing loan, KEMBA's Auto Loans can help you save money with our competitive interest rates and flexible terms.
  • Credit Cards: We have two great credit cards for you to choose from, our Visa Platinum Rewards or KEMBA Visa Signature®, each with their own unique features and benefits. Whether you're more interested in immediate cash back or saving with everyday low rates, we have a card for you.
  • Checking Accounts: Choose from three accounts that include convenient access to our Digital Banking tools: Hassle-Free Checking with no monthly fee*, High Performance Checking, and Fresh Start Checking.
  • Personal Loans: Low, fixed rates on these loans help you cover unexpected costs, reduce debt or provide funds you need to take advantage of an opportunity.
  • Savings Accounts: Whether you're saving for something specific or creating an emergency fund for the future, KEMBA's savings options provide steady growth from competitive rates. Your KEMBA membership will start by opening our basic savings account.
  • Student Loan Refinancing: Refinancing could help you reduce your monthly payments or give you extra time to pay off what you owe, allowing you more financial flexibility.
Tools for moving

Movers


In motion and striding with big steps. That describes your life right now. You're hunting for the right house to buy as your first home. Or you're already a homeowner, and you're looking at an upgrade. Maybe you've just arrived in Central Ohio after landing a new work opportunity. Turn to KEMBA for the tools you need most at this time.
couple looking at laptop in kitchen

  • Checking Accounts: Choose from three accounts that include convenient access to our Digital Banking tools: Hassle-Free Checking with no monthly fee*, High Performance Checking, and Fresh Start Checking.
  • Personal Loans: Low, fixed rates on these loans help you cover unexpected costs, reduce debt or provide funds you need to take advantage of an opportunity.
  • Mortgages: We provide home loan options tailored to your specific needs and property type, including special programs backed by the U.S. government.
  • HomeAdvantage: You have the opportunity to earn cash rewards when you work with any agent in the HomeAdvantage network to buy and sell your home.
  • Ohio Homebuyer Plus: Exclusive high-rate savings for your next home. Whether it's your first home, your dream digs, an upgrade to fit a growing family, or your empty nester sanctuary...we will help you make your home ownership dreams a reality with an Ohio Homebuyer Plus savings.
adapt to changes

Changing Families


Your household dynamic is suddenly different and you need to adapt. Have you welcomed home a new addition to your family? It's a time to celebrate, and start planning. Maybe you're transitioning into a new phase due to a separation or loss. We can help you take your next steps.
smiling pregnant couple

  • Ohio Homebuyer Plus: Whether you need more room or less, enjoy exclusive, high-rate savings for your next home with Ohio Homebuyer Plus savings.
  • Home Equity: Take advantage of competitive rates to access equity for remodeling, expenses, debt consolidation, special events and more. Choose from a home equity loan or line of credit (HELOC). 
  • Personal Loans: Low, fixed rates on these loans help you cover unexpected costs, reduce debt or provide funds you need to take advantage of an opportunity.
  • Insurance: Work with our partners at TruStage® to find affordable policies for every type of insurance you'll need to protect your loved ones and your assets.
  • Certificates: Maximize your savings by keeping it deposited in a Certificate for a term of 3 months to 7 years. You'll earn larger dividends than those paid by standard savings accounts, without risk.
  • IRAs: Keep adding to your retirement savings with a disciplined approach. IRAs from KEMBA can complement your overall retirement savings efforts with solid earnings and tax benefits.
  • Youth Accounts: Whether it's a checking account or one of several savings options, we can help you get your child (or grandchild) on the right financial path through our Youth Solutions.












Transition

Empty Nesters


Transition defines this life stage. Your children are grown and have moved out on their own. Or maybe you've made your own transition out of the workforce entirely or into a part-time/semi-retired status. You've worked hard at paying off your home and other large expenses and you've eliminated debt. Now you're ready to take a different approach with your money.
mature family using tablet and hugging on the couch

  • Savings Accounts: Whether you're saving for something specific, adding to your emergency fund or boosting your overall savings, KEMBA's savings options provide steady growth from competitive rates.
  • High Performance Checking: The larger your balance, the more you can earn in this interest-bearing checking account.
  • Home Equity: Take advantage of competitive rates to access equity for remodeling, expenses, debt consolidation, special events and more. Choose from a home equity loan or line of credit (HELOC). 






At KEMBA Financial Credit Union, we offer personal banking solutions for Central Ohio residents, as well as a full suite of personal banking products and services with low fees, competitive rates on credit cards, home mortgages and home equity loans, auto loans, personal and student loans, and financial wellness and counseling services.

To learn more, call us at 614.235.2395, option 4, or visit one of our local branches in Pickerington, Gahanna, Bellefontaine, Clintonville, Grove City, Hamilton Quarter, Hilliard, Lewis Center, Powell, Reynoldsburg, Westerville or Whitehall. Our dedicated associates will help you navigate your individual financial situation and help you discover why KEMBA is a better way to bank.
Disclosures
*Overdraft, transfer, and NSF charges apply when applicable.

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