Banking Basics

Teaching kids to be responsible with money is a foundation that will last them the rest of their lives. Starting when they are young, you can instill sound financial management skills that will teach the value of money, the benefits of saving, and the importance of being wise with how they spend their money.

Your home is one of the biggest investments you’ll make in your lifetime. Learn how to improve the value of your home without burning through your cash reserves.

In addition to supporting local organizations through volunteering, Credit Unions have a mission to provide competitive banking services that have a positive impact on the community. 

Social media can be a double-edged sword, providing both entertainment and potential financial pitfalls. According to a recent NerdWallet survey, 65% of Americans believe that social media has led to increased overspending. To protect your real-life finances while enjoying your online experience, follow these five tips...

Have you ever heard the phrase “people over profits?” This phrase embodies the mission of credit unions as they strive to serve the needs of their members unlike for-profit banks that may answer to stockholders. While this always rings true with credit unions, it’s never so clear as it is during times of crisis, like…

The COVID-19 virus has monopolized most aspects of our lives, from the daily news to our new roles as homeschool teachers, but the impact that many Central Ohioans are feeling right now is in our bank accounts. The shelter in place and self-quarantine orders from state and local officials has impacted the ability to work…

By most measures, the United States economy is perking along just fine. Nevertheless, many experts are seeing signs that indicate an economic downturn could begin as soon as 2019. The signs include new cash from tax cuts which are traditionally incompatible with a strong economy; trade wars—the stock market hates tariffs which can eat into…

Learn the basics of transferring credit card balances and saving money Not all credit cards are created equal. Terms can vary widely from card to card including annual percentage rates (APRs), annual fees, repayment conditions, and borrowing limits. Once in a while, it’s important to review the terms of your current credit cards, along with…

The essentials of home equity loans – what you need to know For many homeowners, an equity loan is an attractive option for making home improvements, paying for large ticket items (i.e. college, wedding), or consolidating high-interest debt. For other homeowners, an equity loan might not even be an option because they do not have…

The four fundamentals of financial literacy for teens The new school year is around the corner and as your teens prepare for another year of learning, financial literacy is a topic that becomes more important every year. Making smart financial choices on a small scale in high school can have a big impact on their…

When it comes to learning about money, Millennials choice in a banking partner plays a key role. Representing nearly a quarter of the total United States population, millennials now make up the largest living demographic in the country. And representing almost two-fifths of the working population, they hold the largest spending power of any demographic…

Your student has completed their high school education and ready to take the next step to transitioning to adulthood. As they explore their options for higher education, you are weighing the options for financing their education. Many Americans are ill-prepared for the cost of higher education because they have not saved for college or have…

Buying or refinancing a home is a big financial decision, one that KEMBA has helped countless central Ohioans navigate. There are many home financing options to consider, but two of our most common are the 30-year and 15-year, fixed-rate mortgage loans. To understand which is right for you,…

With summer right around the corner, it is time for vacations, adventures and making memories. As you travel, you may be at a higher risk for common financial scams and identity theft. Don't let these threats put a damper on your summer plans! By familiarizing yourself, you can take proactive steps to protect your identity, assets and hard-earned vacation funds.

Teaching children basic financial management principles while they are young is key to helping them learn how to handle money. Find out ways to teach your kids financial responsibility.

Have you ever tried to read your credit report? It can be confusing. Your credit report is compiled by three major reporting agencies and while they can differ in the final score, the data collected by each agency is the same. Learn how to read your credit score, verify the accuracy of the data, and…

If you find yourself buried in a stack of bills, trying to figure out how to make ends meet, you are not alone. 80% of Americans are carrying some sort of debt which, depending on the amount, can make things look bleak. You have options for managing your debt. Learn about the 5 ways you…