FALL 2014 - Kemba Credit Union

Your guide to what’s happening at Kemba and Greater Cincinnati Firefighters Credit Union
FALL 2014
80
In this issue:
-Mobile Deposit
-Breast Cancer Awareness
-Coat Drive
-Savings Bonds
-Pictures with Santa
-Rubber Duck Regatta
Great Rates on:
CERTIFICATE SPECIALS
1
2
3
4
5
Year
Year
Year
Year
Year
1.00%
1.20%
1.70%
2.10%
2.55%
APY*
APY*
APY*
APY*
APY*
Puzzled as to where you should invest your
hard earned money? A Kemba Certificate is the
right fit for you. Stop by your local branch today,
visit online banking or call 513.762.5070 today!
*APY=Annual Percentage Yield. These rates are accurate as of 8/22/2014 and are subject to change after that date. Minimum
balance to open and earn dividends: $500.00. No bonuses apply. IRAs not eligible. Fees may reduce earnings on the certificate.
Penalty charged for early withdrawal. When the certificate matures, other rates may apply to new certificates and certain terms
may not be available. Please call 513.762.5070 or 800.825.3622 to obtain current rates.
Get the most out of your
phone with our mobile app.
Now with Mobile Deposit!
-Mortgages
-Home Equity Loans
-Certificates
-VISA Card
Federally Insured by NCUA
Using Kemba Mobile, you can:
- Check balances
- View transaction history
- Transfer funds
- Deposit checks
- Pay loans
- Pay bills
- Locate the nearest ATM
Download the app in the App Store or Google Play
-Get Green Checking
*Data charges may apply. Mobile Deposit is available only for savings and checking accounts
in good standing and must meet certain criteria. Not all accounts will be eligible.
-Auto Loans
Coat Drive
Starting Monday, October 20, all Kemba branches will be accepting donations of new or
gently worn coats, including children’s coats. Kemba, in collaboration with St. Vincent DePaul,
Goldstar Chili, the Greater Cincinnati Fire Chiefs Association and WLWT Channel 5 will be
supporting the coat drive. Stop by any Kemba branch and donate
a new or gently worn coat this holiday season.
Kids coats are the greatest need.
CEO
CORNER
Kemba Credit Union continues to grow as we maintain
a very strong financial position. Loan and deposit
growth have been incredibly strong throughout 2014.
Membership growth has been solid as consumers
realize the many benefits Kemba has to offer.
You’ve probably noticed the rise in certificate rates
at the credit union. This is a great time to invest your
hard earned dollars with Kemba. Our rates are some
of the highest in the area and have even gained
national exposure, so please keep us in mind for your
investments.
Kemba was a proud sponsor of the Freestore
Foodbank’s Rubber Duck Regatta. This is the 5th year
we have teamed up with the Freestore Foodbank and
several local sponsors to support this great cause. With
your help, we provided 120,000 meals to those in need.
We continue to serve the membership with tech
adoption. Our recent addition of Mobile Deposit, allows
eligible members with checking accounts to deposit
checks via their mobile phone or tablet. We also have
plans for a new online banking system coming in early
2015. This new system will allow added convenience
and new services for online access. Please check out
Kemba.com for updates.
As the holiday season approaches, we encourage you
to use your Kemba Debit or Credit Card for your holiday
shopping needs. Our Kemba credit cards offer low rates
and come with the same great service you get with all
your Kemba products.
I would like to thank you for your loyal support.
Stephen G. Behler
President/CEO
COMPANY
CORNER
(A BRIEF ARTICLE FROM ONE OF OUR
PARTNER COMPANIES)
LifeSpan is a private non-profit social service agency
dedicated to improving the quality of lives throughout
the Ohio counties of Butler, Warren and Hamilton.
LifeSpan’s roots stretch back to 1945 where it began as a
counseling agency. LifeSpan has evolved and added new
programs to meet the changing needs of our community.
They have built a reputation for offering innovative,
cost-effective programs for individuals, families, groups
and schools serving people with needs at all points in
the life span, from birth to old age. LifeSpan’s programs
include outpatient behavioral health counseling, credit
counseling, elderly services program, guardianship as
well as community and school-based support services.
LifeSpan employs 90 people and has offices in three
locations: Hamilton, Middletown and Mason.
Halloweeen Bags
Starting the week of October 20 all
Kemba branches will have Halloween
bags available to all Kemba members.
Make sure to stop by your local branch
and get your little Kemba Cub a bag.
Have a safe and happy Halloween.
Call for Nominations
Dave Hanna, Chair of the Nominating Committee for the 2015
election of Kemba Credit Union Board of Directors, is accepting
nomination requests. Any Kemba member that is in good
standing and interested in candidacy for the Board of Directors,
should submit their name and qualifications to Dave Hanna,
Nominating Committee, Kemba Credit Union, Inc. P.O. Box
14090 Cincinnati, OH 45250 prior to October 31, 2014.
The Nominating Committee will select candidates based on their
eligibility and qualifications. Incumbent Board Members who
have indicated they will stand for re-election are: Dottie Carnes,
Steve Behler and Tim Martin.
Kemba is proud to support
Pink Ribbon Girls this
October during Breast Cancer
Awareness Month. Pink
Ribbon Girls offer programs
that include free services for
local women in treatment for all stages of breast cancer
helping with needs such as housekeeping, baby-sitting,
meals and transportation. You can make your donation at
any Kemba Branch throughout the month of October. For
more information and volunteer opportunities, visit their
website at www.pinkribbongirls.org.
Home Equity Loans
HOME IMPROVEMENTS • SPECIAL PURCHASES • DEBT CONSOLIDATION • COLLEGE TUITION
With the housing market improving, there’s a
good chance we can help you put the equity in
your home to use. You can use a Home Equity
Loan any way you wish; from home upgrades to
helping your loved ones pay for college, we can
help. Call 513.762.5070 today!
Auto • Home • Life • Business
Call Phelan Insurance at 513.762.1678 or visit
kemba.com/insurance for a free quote.
powered by:
Products offered by Phelan Insurance Agency are not NCUA or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal.
Important Savings Bonds Info
Starting March 31, 2015 Kemba will no longer redeem
Savings Bonds. If you have any questions regarding
your savings bonds and redemption, please call us at
513.762.5070.
In the market for a new vehicle?
Vehicle Rates as low as
2.39 %APR
*
Got a question on your new car purchase?
AskAuto
Find and research the perfect car and apply for
a Kemba loan with the AskAuto app for your
smartphone or tablet. Available in iTunes or
Google Play. Data charges may apply.
*APR = Annual Percentage Rate. Model years 2007 - 2015. Minimum credit score of 710+
required. Maximum term of 72 months on model years 2009 - 2015. Maximum term of 60
months on model years 2007 - 2008. Example loan in the amount of $20,000 for 60 months,
would have a monthly payment of $353.11, with an interest rate of 2.29% and an APR of 2.39%.
New money only. Upon approved credit. Kemba refinances do not apply. Rates subject to
change. This rate is accurate as of 9/4/2014.
E-Statements - Safe and Secure
Making sure your financial information gets to you safely
and securely is our top priority at Kemba. That’s why we
are encouraging you to go to Online Banking and sign up
for the safe and secure way to receive your monthly statements. Stay up-to-date and manage your finances, rather
than waiting for a statement to arrive in the mail. Log into
Online Banking today and sign up!
Which card?
Use the one with the
low rate!
Kemba VISA Gold
5.75% APR
*
variable
*The Annual Percentage Rate may vary after the account is opened. Upon
Approved Credit. Minimum salary requirement $25,000. Transaction fee for balance
transfers and cash advances: 2% of each advance; minimum of $2, maximum $50.
Foreign currency transaction fee 1%.
Get Green Checking Pays You! 2.50% APY*
Which could be up to $30 a month
Just meet 3 simple criteria each monthly qualification cycle:
Use your debit card 12 times, view e-statements and access online banking.
*APY=Annual Percentage Yield. APYs accurate as of 6/30/2014. Rates may change after account is opened. If qualifications are met each monthly qualification cycle: (1) Balances up to $15,000 receive APY of 2.50%;
and (2) balances over $15,000 earn 0.15% dividend rate on portion of balance over $15,000, resulting in 2.50% - 0.15% APY depending on the balance. If qualifications are not met, all balances earn 0.05% APY.
Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATMprocessed transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior
to the close of the current statement cycle. Transfers between accounts do not count as qualifying transactions. Fees may reduce earnings. Limit one account per SSN. Example of $30 based upon a daily balance of
$15,000 throughout the qualification cycle and meeting all qualifications.
Federally Insured by NCUA
Locations
AMELIA
1135 Ohio Pike
Amelia, OH 45102
BLUE ASH
11450 Grooms Rd.
Cincinnati, OH 45242
BRIDGETOWN
5844 Bridgetown Rd.
Cincinnati, OH 45248
COLLEGE HILL
6230 Hamilton Avenue
Cincinnati, OH 45224
FLORENCE
8880 Bankers St.
Florence, KY 41042
HARRISON
10396 Harrison Ave.
Harrison, OH 45030
KROGER BUILDING
1014 Vine St.
Cincinnati, OH 45202
PEYTON
1111 South Adams St.
Bluffton, IN 46714
QUEENSGATE
Mortgages
15 Year Conventional
3.499
% APR*
30 Year Conventional
4.197
% APR**
Purchase or Refinance
Call 513.762.1692 today!
Rates as of 9/19/2014. Loan subject to approval. Rates for owner
occupied primary residence. Rates are subject to change without
notice. Payment will be higher with an escrow account that includes
taxes and insurance. 740+ credit score. 80% Loan-to-value. Please
consult your tax professional about possible deductions.Conventional
loans based on amounts of $150,000-$417,000.
*15 Year Annual Percentage Rate (APR) is based on $150,000 loan amount paid in 180 installments of
$1,063.14, principal and interest only.
**30 Year Annual Percentage Rate (APR) is based on $150,000 loan amount paid in 360 installments of
$726.97, principal and interest only.
Condensed
Financial
Statement
1045 West 8th St.
Assets
Cincinnati, OH 45203
$
SPRINGDALE
Shares
211 Northland Blvd.
$
Cincinnati, OH 45246
Loans
WEST CHESTER
8763 Union Centre Blvd.
West Chester, OH 45069
MAILING ADDRESS
P.O. Box 14090
Cincinnati, OH 45250
Calendar
$
641,289,934
517,371,924
525,166,527
Net Worth
$
79,806,971
Members
81,132
These figures are accurate as of
August 31, 2014
October
13 - Columbus Day Observed Kemba Branches Closed
November
11 - Veterans Day
Kemba Branches Closed
Contact Us:
27 - Thanksgiving Day
www.kemba.com
December
800.825.3622
Kemba Branches Closed
6 - Pictures with Santa
24 - Christmas Eve
513.762.5070
Kemba Branches Closed P.M.
25 - Christmas Day
Kemba Branches Closed
NMLS# 422067
Federally Insured
by NCUA
Congratulations to Kemba member, Deana Schmidt, for
purchasing the winning duck in this year’s FreestoreFoodbank
Rubber Duck Regatta!
This year’s Regatta raised over a million dollars, which is the
equivalent of providing 3 million meals to children in need. Thanks
so much for your gracious donations during this event.
Pictures with Santa
December 6, 2014 10am-12pm
Springdale Branch
Have your picture taken with
Santa! Enjoy hot chocolate,
goodies, and a visit with Santa!
Donations will be accepted
for Children’s Miracle Network
directly benefiting Cincinnati
Children’s Hospital.