As a not-for-profit financial cooperative, KEMBA Financial Credit Union's mission is to promote thrift by improving the financial well-being of its members and keeping their best financial interest in mind. Additionally, it strives to find ways to serve the underserved portion of its membership by offering low cost products and services to its diverse... show more
Eligibility
Find out if you are eligible to join KEMBA Financial Credit Union.
KEMBA Financial Credit Union Reviews
5
25%
4
7%
3
3%
2
5%
1
60%
2.3
60 reviews
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KEMBA Financial Credit Union
RM RM @m1340f
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1 Star Rating
Wow, what an early Christmas present; they repossessed my vehicle after I made attempts to get back on track! For the last few years, my life has done a 360; I became homeless, lost my job, and was living in my car. There were a couple of angels, Lauren and Amanda, who tried their best to work with me, but Walter Mollette (Mr. Scrooge) wasn't having it. He's very unpleasant!
I understand they have a job to do, but if a person is trying and they're upfront, show some humanity! If you're a believer in Jesus Christ, you should know humans come before anything else. Just remember the story in the Bible about Lazarus and the poor man. The rich man turned his nose up at the poor man; both died and the rich man went to a place of fire and torment, the poor man went to heaven. Is this what you want, all for numbers that at the end you can't take with you? Sure, you're setting up your family to be taken care of, but what about your soul? The place of fire is real. Don't forget that!
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Product: KEMBA Financial Credit Union Car Loans
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KEMBA Financial Credit Union
michael adams @adamsfire7
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1 Star Rating
Do not get a loan or an account with this company. They will be nice to you and want you to come over but will take advantage of you once they have you. They will drag you through the coals. I'm still involved in a lawsuit from a deal they promised me, let me down on it when I made the trade and went in to close the deal, as they said, on that Monday. I went in, and they said I didn't qualify for it when the lady I talked to that Saturday told me to make the trade. So now, I am in a lawsuit because I told them I was not going to pay them for misleading me on the phone. And they still will not work with me on a deal. Trust me, whoever owns this bank is greedy and mean. Stay far away from Kemba Credit Union. They are the worst and will take you to court because they know you can't afford a lawyer.
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Product: KEMBA Financial Credit Union Car Loans
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KEMBA Financial Credit Union
Sue Tribbe @tribbesusan
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1 Star Rating
I called ahead of time to renew my IRA. Instead of renewing on the maturity date of 6/18/26, the date was changed to 6/28/26. That's 10 days my money was not in a CD. Is this even legal?
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Product: KEMBA Financial Credit Union CDs
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KEMBA Financial Credit Union
Wendy @wfisher3
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5 Star Rating
Verified Customer
Awesome credit union for years. Actually better than a bank in every way except for the lack of a two-day early deposit. Your paycheck doesn't get deposited early like with some banks. You have to wait for the formal deposit date. I have half a dozen banking products with this credit union. They do a great job. Also, it might be a more secure banking product in these times when we hear that the FDIC could become a thing of the past due to the current administration's dislike of government agencies that protect consumers.
Kemba called the police on me. They made a mistake with my $800 and refused to fix it immediately, so I refused to leave. They called the police. The situation was worked out in the end, but who wants to go through all that for their mistake? I have been homeless. $800 is a huge deal for me. That shouldn't matter, as it was their mistake. Kemba also ran my credit for a home loan and then stopped returning my calls. Sadly, Kemba isn't what it used to be.
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Product: KEMBA Financial Credit Union Savings
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KEMBA Financial Credit Union
jeffglandon @jeffglandon
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1 Star Rating
I had a money market account which I closed towards the end of the month. Kemba has a policy of not paying the interest you accumulated if you close an account mid month. You have to have the account open on the last day of the month to get paid your interest due you. Needless to say, I feel ripped off, since my money was in an interest bearing account and they never paid me. Never again Kemba.
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Product: KEMBA Financial Credit Union Savings
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KEMBA Financial Credit Union
MARY F @maddog6198
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5 Star Rating
Verified Customer
Kemba has been great. Very easy to do business with. Their mobile app is great also. I transferred my savings and primary accounts to Kemba also
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Product: KEMBA Financial Credit Union Car Loans
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KEMBA Financial Credit Union
Michael Adams @Steviea77
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1 Star Rating
Verified Customer
Hello , I will try and keep it short . I've been a loyal customer with kemba for 10 years. Went to go buy a truck with a trade in . Spoke with a kemba member to see if the can get a home equity loan so it's a cheaper payment other than 1600 a month. The lady said I got approved and to trade the truck in is exactly what she said. So I made the trade. I go in there to sign the paper and they lady I go to said there was nothing for me to sign. So they lied to me as a 10 year customer. So I had a call from a real dicl head . Would not give me till Thursday to try and switch it over to another bank that's approved me for my heloc. And since it not with them they are going to try and repo it so it's on my credit and history. What a great way to do business. 10 years never late on a payment or anything and is going to do me like this. Bad business do not go to them they will screw you quick .
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Product: KEMBA Financial Credit Union Home Equity
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KEMBA Financial Credit Union
Witshitz_ralph @Witshitz_ralph
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1 Star Rating
Walter Mollette is the rudest person I have ever dealt with. He does not represent Kemba in a positive way. Is this how you treat your customers? I would never do business with Kemba again nor would I recommend it to my worst enemy. 1 star is far too generous.
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Product: KEMBA Financial Credit Union Car Loans
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KEMBA Financial Credit Union
lmburr03 @lmburr03
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1 Star Rating
Verified Customer
Been a member for several years, NEVER had needed anything. I applied for a credit card and was treated as I was applying for an adoption of a child. If you like being placed on hold for long periods and never getting a straight answer, this is your credit union. I would give them a zero if I could
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Product: KEMBA Financial Credit Union Credit Cards
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KEMBA Financial Credit Union
Buddy @thomasb_405
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5 Star Rating
Verified Customer
Credit Union has helped with difficult vendors who didn't cooperate with returns and cancelation requests. Also the Visa security stopped unauthorised use of the Visa card.
They're probably okay if you can get in touch with someone. My loan officer J. Keller was unresponsive and unhelpful in providing basic info about my pre-approved auto loan. I tried calling and that didn't help thanks to long hold times. I let them know I'd be seeking other options and the rep just said "Okay," without trying to salvage the interaction or investigate further. Just unprofessional and frustrating overall.
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Product: KEMBA Financial Credit Union Car Loans
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KEMBA Financial Credit Union
Alice M Sias @heartlessnmoet20
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5 Star Rating
Verified Customer
Not sure how it ended up on my collections but dealing with Kemba was always a good experience! I got a prepaid credit card from them and when I decided I no longer wanted,they told me the account was closed and I didn't owe money. Had no problems while using the bank
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Product: KEMBA Financial Credit Union Credit Cards
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KEMBA Financial Credit Union
Johnny @johnnyhairston1
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5 Star Rating
Verified Customer
I used Kemba credit union one time and they gave me a car loan and I opened up an account with them and been working with them every since for the last 20 years
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Product: KEMBA Financial Credit Union Credit Cards
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KEMBA Financial Credit Union
Carmelita Martinez @martinezohio18
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1 Star Rating
I don’t think I will ever finance a vehicle with kemba again , very disappointed with Kemba. I understand certain agreements are to be made with their auto loans but why would CPI insurance be back charged and why treat customers the ones that have your business running this way . Back charging CPI that then make monthly car payment over double the amount ? From 716 monthly payment to almost 1700 now . Why set your clients up for failure with back charging for CPI insurance. Even with making monthly payments on time your getting your money. The setup for this is very terrible and going in with kemba I thought this would be more of customer based and caring relationship . All kemba has shown me is they do not care for clientele. I’m super disappointed!
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Product: KEMBA Financial Credit Union Car Loans
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jack B @ccraig59
Kemba has found more periods of time when your vehicle had insufficient insurance. They have now purchased insurance for those times. That resulted in a new monthly payment.
Get answers to your questions about KEMBA Financial Credit Union below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
The KEMBA Financial Credit Union Platinum Rewards Credit Card annual fee is $0. KEMBA Financial Credit Union Platinum Rewards Credit Card's $0 annual fee is lower than the average annual fee among new credit card offers right now. It's not the only fee you need to worry about with the KEMBA Financial Credit Union Platinum Rewards Credit Card, though.
KEMBA Financial Credit Union Platinum Rewards Credit Card Fees
Annual Fee: $0
Cash Advance Fee:3% (min $5)
Foreign Fee:1%
Balance Transfer Fee:3% (min $5)
Max Late Fee:$35
If you want to learn more, you can check WalletHub's guide on credit card fees.
The KEMBA Platinum Rewards card balance transfer fee is 3% for balances transferred within 90 days of account opening. For this period there's also a transfer intro APR offer of 0% for 12 months.
For balances transferred after the first 90 days, the KEMBA Platinum Rewards card doesn't charge a transfer fee, and the balance transfer APR will have the rate you were approved for.
No, the KEMBA Financial Credit Union Platinum Rewards Credit Card does not have a 0% APR intro period for new purchases. If you're planning on making a large upcoming purchase and you don't anticipate paying off the balance for a few months, the KEMBA Financial Credit Union Platinum Rewards Credit Card is not a great credit card to use.
The KEMBA Financial Credit Union Platinum Rewards Credit Card does, however, have a 0% APR intro period on balance transfers for 18 months. That is accompanied by a balance transfer fee of 3% (min $5).
Yes, it does. For more information, please visit the following link: https://www.kemba.org/personal/mortgages/. You can also call customer service at 614.235.2395 with additional questions.
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