KEMBA`s Deposit on Demand is now available!

A Quarterly Publication for KEMBA Financial Credit Union Members
Winter 2009
KEMBA is ranked
#1 in Central Ohio
for Total Return to
Members!
KEMBA’s Deposit on Demand
is now available!
The days of driving to a KEMBA branch to deposit a check are long gone
thanks to KEMBA’s new Deposit on Demand service! With Deposit on Demand,
eligible members can log on to CU Online Banking and deposit a check
from the comfort of their home or office. The best part is – the funds are
immediately deposited into your KEMBA account and are available for use!
Who is eligible to use Deposit on Demand?
You can access this new service through
CU Online Banking if:
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account with Direct Deposit
(Excludes Fresh Start Checking)
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Here is how it works:
Visit www.kemba.org and log in to CU Online Banking. Once logged in,
select Deposit on Demand from the menu on the left hand side of your
screen. Read and accept the agreements to begin using the service. Follow
the simple prompts to enter your check information online, and then
mail your check to us as instructed. The funds you deposit online will be
immediately available for use in your KEMBA checking account!
Deposit on Demand is now available, so start saving time today! Visit
www.kemba.org for more detailed instructions on how to use this great
new service! If you have any questions about your eligibility or would like
additional information, please call 614.235.2395 or 800.282.6420, option 4.
Your Credit Union has been ranked
number one in Central Ohio for Total
Return to Members as of Spring
quarter, 2008. Credit unions around
the country are evaluated and
ranked by Callahan & Associates,
a leading industry analyst, as part
of their Return to Member scoring
system. It ranks credit unions on
three areas: how much value is
returned to borrowers, how much
value is returned to savers, and a
service usage component.
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cooperative we exist to serve you.
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value back to you through exceptional
products and services and
competitive pricing.
We are very proud of this distinction,
and we thank you for the privilege to
serve you and your family.
Individual Retirement Accounts
A great savings vehicle on your road to retirement
It is never too early to start planning for your retirement. If it seems confusing and you just don’t
know where or how to start, we can help navigate a path that is right for you with an Individual
Retirement Account (IRA). It’s easy to open your account, and our knowledgeable associates can
provide you with all the information you need to establish an IRA today. You can open an IRA
with a lump sum deposit, or you can save throughout the year with payroll deduction.
Use an IRA to start saving for retirement while gaining some excellent tax benefits.† The chart
below outlines the basic differences:
Traditional IRAs
This provides tax-deferred earnings. If you qualify, you may deduct
your contributions from your taxable income.
Roth IRAs
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of a Traditional IRA, but all of your earnings, compounded over time,
are tax-free after 5 years.
Coverdell (Education)
Accounts
This account allows you to save up to $2,000 a year for your child or
grandchild’s educational expenses at any grade level.
†
Please consult a tax advisor.
The maximum contribution limit for your 2009 IRA is $5,000. If you are age 50 or better, you can contribute up to $6,000. We
also can assist you in making an IRA or 401(k) rollover from your current financial organization over to KEMBA.
Your money is safe at KEMBA
The National Credit Union Share Insurance Fund, an agency of the federal government, and backed by the full faith of the
United States Treasury, provides an additional $250,000 in total coverage for IRAs. An additional $250,000 of coverage is
provided through Excess Share Insurance.
Start saving for your retirement today! Apply online at www.kemba.org, call us at 614.235.2395 or 800.282.6420, option 4, or
visit any KEMBA location.
Save money and earn $50 when you transfer your
auto loan to KEMBA*
It pays to bring your business to your Credit Union. Do you
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advantage of our attractive rates and the opportunity to
reduce your monthly auto loan payments, while earning $50!
It’s easy to apply.
Visit any of our branches, or apply 24 hours a day:
qOnline: www.kemba.org. It takes just minutes, and you
will receive an instant approval or referral within seconds!
qBy phone: 614.235.2395 or 800.282.6420, option 2
Limited Time Offer!
Receive
$50
when you transfer your auto loan
with a balance of $10,000 or
greater to KEMBA!
Start saving more of your hard-earned money and transfer your
auto loan to KEMBA today!
*$50 cash bonus is valid for vehicle loans with a balance of $10,000 or more.
Coupon must be presented at time of loan application. Vehicle loans currently
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Winter 2009
Toledo Branch
Closing
As a member-owned cooperative,
we make decisions based on
the best interest of our entire
membership. These decisions
are not always easy. Recently, we
have chosen to close our Toledo
Branch. The last day of operation
for our Toledo branch will be
Friday, January 16, 2009.
Over the past several years,
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within our Toledo branch has
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operation, especially in light of
the numerous alternative access
points now available for our
members.
KEMBA Now Offers Treasury Tax
and Loan Payment Options
We are excited to add yet another free service to our full line of business solutions.
Effective immediately, we can accept and process your Treasury Tax and Loan
(TT&L) payments. You can pay by cash, account transfer, or by writing a check
with verifiable collected funds.
In short, you can conveniently make Treasury Tax and Loan payments at any
one of our branch locations, up to the date the payment is due. We can accept
payments for income, excise withholding, and Social Security taxes directly. By
allowing KEMBA to collect your payments and distribute them to the federal
tax authorities, it lightens your administrative burden to meet these obligations,
saving you valuable time.
As a reminder, KEMBA can help with solutions for all your small business needs:
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decision to make, but we are
certain we can continue to serve
our Toledo area members through
our numerous convenience
services such as Shared Branching,
Surcharge-free ATMs, CU Online
Banking, Instant Access Telephone
Banking, and much more.
Please know that we are
committed to serving all of our
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it is our privilege to do so. We
understand that you may have
questions about this branch
closing, and we welcome the
opportunity to speak with you.
Please do not hesitate to call our
Member Services department at
614.235.2395 or 800.282.6420,
option 4.
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card acceptance, and much more
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We realize that managing your business puts major demands on your time and
resources. Our goal is to help you save in both of these critical areas. Let us help
your small business grow. Call us today at 614.235.2395 or 800.282.6420, option 4.
HOLIDAY CLOSING
KEMBA’s service facilities will be closed on President’s Day
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please visit any of our 33,000 Surcharge-free KEMBA,
Alliance One, CO-OP, or KeyBank ATM locations. Locate
one near you at www.kemba.org.
meet the
SAVERS!
www.kembasbiggestsaver.org
team
BARROWS
VOTE for your
favorite team and
you could win
*
$500!
Visit www.kembasbiggestsaver.org and
join the Biggest Saver Club. Once you join,
you can vote for your favorite team, and
your name will be entered into a monthly
drawing to win $500. You can enter
multiple times by voting once per day!
team
PATE
Names
John, Jennifer, Jessica,
and Julia
“We are at a point
where we need to
get a plan and stick
to it...”
Names
Matt, Kadie, and Aiden
“We want to succeed in
this competition and
have a solid foundation
for our future...”
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Saving money has always been a priority for the
Barrows family. Unfortunately, it has also been a
problem. This young family hopes that KEMBA’s
Biggest Saver will help them learn more about their
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them. Even with their busy work schedules and an
energetic toddler, they are committed to the challenge!
Through the contest they hope to start their path towards
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also on their minds. They plan on taking the skills they
learn and turning them into lifelong habits.
team
POTTER
Names
Brian, Sarah, A.J., and Mia
“We have already
taken some measures
to keep our debt
under control, but
we need assistance...”
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market, coupled with a special needs daughter, puts
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and save money at the same time. It seems like we can
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John and Jennifer’s two young daughters are their
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have a busy lifestyle, but say they need this contest
to help them see the big picture, what they are doing
wrong, what they are doing well, and then create a
plan of action to help them get back on the right track.
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situation and is ready and willing to share their journey
with the public. Saving money for a down payment on
a new house is one goal they are working towards.
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6HSGSGDGDKONESGDHQjM@MBH@KSQ@HMDQtheir goal is to
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and stick to it.
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win $10,000.
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to show us their savings skills. The contestant(s) who most closely achieves or exceeds their savings and debt reduction goals
will win the $10,000 grand prize.
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their journey at www.kembasbiggestsaver.org! While you are there, view contestant blogs and videos, get savings tips, and
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team
team
CONRAD
KARNS
Name
Amy
Names
Ben, Jeanette, and Adley
“I will do everything I
can to win. I have an
intense desire to make
a significant change to
my financial situation...”
“Our desire to lead a
healthy financial lifestyle
and our commitment to
make tough choices...”
“...Even if I don’t win the grand prize, I will still come out
a winner. I will be a better, happier, and more successful
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“...in order to remove barriers to that lifestyle, along with
the support from family and friends, make us believe we
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spends money now and knows there will be consequences,
but is frustrated by her inability to stick to a budget and
track her spending. Now, instead of just talking about
making changes, Amy is ready to take action!
The Karns are eager to develop new habits. They hope
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savings choices. Together, they believe this eight-month
challenge can give them skills to last a lifetime.
Amy believes KEMBA’s Biggest Saver will offer her the
structure, education, accountability and motivation she
needs to be successful towards reaching her goal of
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More than any prize money they might win, the Karns
believe the insight, experiences, and lifestyle changes
they will make during these eight months will be much
more valuable in the long run.
team
WILLIAMS
Name
Regina
FREE Seminars
“I thought saving
was just about
putting money into
an account...”
You’re invited to improve your financial
life with KEMBA’s free financial education
seminars. Check out the Biggest Saver
website for the latest seminar topics,
dates, and locations. You can even RSVP
online at www.kembasbiggestsaver.org!
“...Now I realize it’s about changing your habits to get
on track, stay on track, and be able to put some money
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Regina knows she should save. She also knows she
can save. She just isn’t sure how to save! With the help
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She is not afraid to do the hard work associated with
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will be selected at random each month. Entries are limited to one vote per
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New Format for KEMBA’s 76th Annual Meeting
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Credit Union holds an Annual Meeting
each year to share the past year’s financial
results and allow members the opportunity
to interact with members of the Board and
make general inquiries. For many years, we
have tied our Annual Meeting to a yearly
member appreciation event which included
dinner and door prizes for those in
attendance. KEMBA will continue to have
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in 2009, they will no longer be combined.
Member appreciation events will be held
at numerous times throughout the year
and will be located in our branches and
within the communities we serve. As our
Credit Union’s membership grows, hosting
numerous types of events at a variety of
locations will provide more members the
opportunity to participate. We will also
continue to host our Annual Meeting in
February. This year’s event will not include
dinner or door prizes, and will be much
shorter in length. The primary purpose
for the meeting will be to share our 2008
financials and announce the election
results for our Board of Directors.
Why is KEMBA making
this change?
There are two primary reasons for
making this change. As your Credit
Union grows, so does the size of this
event and all the associated costs for
the dinner and door prizes. Those who
attend our Annual Meeting comprise
about 1% of our membership. As you
can imagine, the costs associated with
this large scale event, in comparison to
the percentage of members who directly
participate, is considerably unbalanced.
Secondly, as previously mentioned,
we plan to have many more member
appreciation events scheduled
throughout the year. Separating these
two functions allows us to devote our
energies accordingly. Members who truly
want to attend the business portion of
our Annual Meeting are welcome and
encouraged to do so. We can then also
devote time and energy to planning
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during the year, to serve those who like
these types of events.
KEMBA has had a tremendous year
of growth in 2008, and we look
forward to a prosperous year in 2009.
We invite all members to attend our
Annual Meeting to learn more about
your Credit Union’s financial strength.
We do ask that you RSVP so we can
prepare our meeting space accordingly.
KEMBA’s 76th
Annual Meeting
Wednesday,
February 11, 2009
5:30 p.m.
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Gahanna, Ohio 43230
If you would like to attend,
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by calling 614.235.2395 or
800.282.6420, option 4.
Voting Instructions for KEMBA’s 2009 Board of Directors
As a member of KEMBA Financial Credit Union you have the
opportunity to help choose the individuals who will serve on
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are up for re-election. Please take some time to review the six
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ELIGIBILITY TO VOTE
To be eligible to vote you must:
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OFFICIAL VOTING INSTRUCTIONS
qTime frame: January 1, 2009 through February 4, 2009
qMethods: Online or by phone, 24 hours a day, seven
days a week
qProcedures: Whether voting online or by phone you
will be asked for your login ID and password.
- Your login ID will be your KEMBA account number
- Your password will be your birthday in
MM/DD/YYYY format
Members have the ability to vote either online or via telephone.
Both processes are simple and will only take a few moments to
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February 4, 2009. Results will be announced at KEMBA’s 76th
Annual Meeting scheduled for Wednesday, February 11, 2009.
TO VOTE ONLINE:
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TO VOTE BY PHONE:
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If you have any questions or problems with the voting process, please contact us at 614.235.2395 or 800.282.6420, option 4.
VOTE FOR YOUR BOARD OF DIRECTORS!
2009 KEMBA BOARD OF DIRECTORS CANDIDATE BIOGRAPHIES
Donna Folberth
Bill Munk
Donna joined KEMBA in July 1999. She
has been on KEMBA’s Board of Directors
since 2003 and currently serves as Secretary.
She has also served on the Credit Unions’
Nominating and Policy Committees.
Bill has been a Credit Union member for more
than 35 years and has been an active Board
member since 2001. Bill held the role of Vice
Chairperson while serving on the Core One
Credit Union Board of Directors prior to the
merger of Core One and KEMBA. He has also
served on various Board committees including
the Nominating, Asset Liability Management,
and Financial Audit Committees.
Donna has been employed by The Kroger
Co. for more than 28 years and is currently
serving as the Director of Regional Logistics.
She has responsibility for costs and service of
five food distribution centers servicing more than 500 Kroger stores
in Ohio, Michigan, Indiana, Illinois, Northern Kentucky, and West
Virginia. Donna has extensive experience with process improvement
and customer service excellence.
G. Latrice Holmes
Latrice Holmes has been a member of
KEMBA for 15 years. She has been employed
at American Electric Power for more than
16 years and currently holds the position
of Administrator. Latrice is responsible for
accounting activities including actual and
variance budgeting, labor and cost tracking,
and facilitating training for hourly employees.
Other positions held at AEP prior to her
current role include Generation, Legal for
Labor Relations, and Workplace Services.
Latrice holds a dual Bachelor’s degree in Financial Management and Business
Administration from Franklin University and an Associate of Arts degree
from Columbus State Community College. She is pursuing a Masters of
Education in Adult Training & Education from the University of Phoenix.
Latrice has held numerous leadership roles including charter member of
the AABE Columbus Chapter (American Association of Blacks in Energy),
“Open Mike Sessions,” and WiNUP, the Women’s International Network of
Utility Professionals, and serving as the Nominating Committee Chair and
Clothing Drive Coordinator. She is also an active volunteer within the AEP
family serving on various campaigns and steering committees including
annual fundraising campaigns for United Way, United Negro College Fund
drive, and Operation Feed.
Alison Lloyd
Alison Lloyd joined KEMBA in May 2008.
Alison is employed by St. Paul School in
Westerville as a teacher’s aide. Prior to her
current position in education, Alison spent
ten years working in customer service and
the health care industry. Alison received
her Bachelor of Social Work degree from
Michigan State University as well as a Master
of Business Administration degree from
Saginaw Valley State University.
Alison has been an active parent volunteer in schools in the communities
she has lived in and is a current member of the Board of Directors for
the Suzuki Violin School of Worthington.
Bill is a Director and Program Manager at Taratec Corporation, a
technology and energy consulting firm. As part of his role there, he is
responsible for technical and financial due diligence reviews of technology
businesses. Bill retired from Columbia Gas System after 32 years of
service in the areas of Research & Development and Marketing with his
last position being Director of Residential and Commercial Marketing.
Prior to joining Taratec, Bill was the Marketing Director for the American
Society for Nondestructive Testing.
Mark Solomon
Mark has been a KEMBA member since 2003
and has been a member of the Board since
September 2005. He currently holds the
position of Vice Chairperson as well as having
chaired various committees including the
Credit Union’s Asset Liability Management
Committee and the Financial Audit Committee.
Mark is President and CEO of Primary
Financial Company LLC, a credit union service
organization owned by the nation’s corporate credit unions. Prior to
joining Primary, he was Senior Vice President and Chief Financial Officer
of Corporate One Federal Credit Union for nearly eight years. Mark has
extensive experience in financial services, having worked for more than
15 years with Bank One and the international accounting firm of Ernst &
Young, where he served many financial service industry clients.
Mark is on the Board of Jerome United Methodist Church, having served
as Chair of the Finance Committee for a number of years. Mark is also
a past member and treasurer of the Board of United Cerebral Palsy of
Central Ohio.
Louis Vito
Louis Vito has been a member of KEMBA since
November 2007. He is the President of V-Teck
Communications which he founded in 1987.
Lou is the owner and general manager of a
number of communication broadcasting
companies including radio stations WPKO-FM
and WBLL-AM in Logan County. His career
in radio and broadcasting began in 1984 in
Columbus, Ohio, and he later relocated to
Bellefontaine after purchasing the radio stations.
Lou received his Bachelor of Science degree from St. Lawrence University
as well as a Master of Arts degree from The Ohio State University. He has
been an active volunteer on various boards including past chairman of the
United Way of Logan County, National Association of Broadcasters Board
of Directors, Ohio Association of Broadcasters Board of Trustees, Mary Rutan
Hospital Board of Trustees, andYMCA Board of Directors in Logan County.
Enter KEMBA’s 17th Annual $2,000
Scholarship Competition!
www.kemba.org
[email protected]
614.235.2395
800.282.6420
24 Hour Loans - option 2
Member Services - option 4
Instant Access - option 6
To find the KEMBA
location nearest you, visit us
online at www.kemba.org
or call 614.235.2395 or
800.282.6420.
If you are planning to pursue a college education, or are currently enrolled in
higher education, we invite you to apply for KEMBA Financial Credit Union’s
annual $2,000 scholarship.
Applicants are required to complete an application and essay to be considered.
When you submit your KEMBA scholarship application, you will not only be
eligible to win KEMBA’s competition, but you will also have the opportunity to
obtain other scholarships. After we select our KEMBA scholarship winner, all of
our entries will be sent to the Central Ohio Chapter of Credit Unions (COCCU) to
participate in their annual scholarship competition.
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of the Chapter Scholarship is then forwarded on to the state competition for a
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The deadline for applications is February 15, 2009, so apply today! Visit
our website at www.kemba.org to download an application. Applicants
must be KEMBA members or family members.
555 Officenter Place
P.O. Box 307370
Gahanna, OH 43230
How to Reach Us