Kemba Credit Union, located at 6230 Hamilton Ave, Cincinnati, OH 45224, is a member-owned financial cooperative that provides core banking services within a local community-focused framework. Since its inception, the organization has operated as a cooperative nonprofit, governed by a volunteer board of members and aimed at delivering member-specific financial solutions rather than for-profit earnings. The credit union typically emphasizes shared branching, cooperative governance, and the reinvestment of earnings to benefit members through favorable rates, lower fees, and accessible financial products.
Its operations generally span standard retail banking activities, including savings and checking accounts, consumer loans, and deposit services, with emphasis on safety, soundness, and regulatory compliance. As a community-oriented institution, Kemba Credit Union engages in financial education and outreach designed to promote prudent money management and informed financial decision-making among members. The organization functions within the broader regulatory framework applicable to credit unions and relies on member input to guide policy and service delivery.
Better than 28% of providers in Cincinnati
In addition to the primary service, Kemba Credit Union also offers:
Other providers in Cincinnati with similar ratings:
Kemba Credit Union is a verified financial service provider. This means we have confirmed their business information, contact details, and they have received customer reviews. You can trust this provider for your financial needs.
Find answers to common questions
Kemba Credit Union is listed as a financial service provider in Cincinnati, OH and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask Kemba Credit Union to explain the terms in writing before you proceed.
To improve your chances of getting better terms from Kemba Credit Union, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare Kemba Credit Union with other providers in Cincinnati and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
Kemba Credit Union has a rating of 3.7, which is better than 28% of providers in Cincinnati.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents Kemba Credit Union requests. It is always best to call ahead using the phone number on this page so Kemba Credit Union can confirm exactly which documents you need for your specific situation.
In addition to its primary service, Kemba Credit Union also offers: Credit union, ATM.