Thank You - Kemba Credit Union

KLIPPINGS
SPRING 2015 Your guide to what’s happening at Kemba
kemba.com
In this issue:
Home Equity Loans
Calendar
April
8 - Retirement Income
Seminar
18 - Shred Day
21 - Social Security
& Medicare Seminar
22 - Retirement Income
Seminar
23 - Social Security
& Medicare Seminar
23 - Cincinnati Fire
Foundation Banquet
24 - Social Security
& Medicare Seminar
25 - Retirement Income
Seminar
May
19 - Retirement Income
Seminar
25 - Memorial Day
Kemba Branches Closed
Financial
Summary
Assets
$
685,375,945
Loans
$
563,816,363
Shares
$
561,647,662
Members
84,999
Net Worth
$
Kids’ Month
Home Connection
Mobile Deposit
Thank You
Dottie!
A special message
from the President
After 40 years of loyal and dedicated service
as a Board Member, Dottie Carnes has elected
to retire from the Kemba Board of Directors.
Her focus over the years was on the best
products and services that would benefit all
members. Dottie also had a passion for the
well being of the Kemba staff. Her dedicated
service over the years has allowed Kemba to
fully develop into the strong financial institution
it is today.
Dottie joined Kemba as a member in 1970
and has served on the board since 1974.
She retired as the Benefits Manager of
SupeRX drugs in 1986, following 23 years of
combined employment with The Kroger Co.
and SupeRX Drugs. Her professional talents
and administrative experience have played a
key role in the growth and success of the credit
union. For 37 of her 40 years on the board,
she devotedly served as Secretary of the
Board. Dottie was deeply involved in multiple
areas of the credit union, serving on the
Benefits Committee as well as the Executive
Committee.
Dottie’s dedication and support to Kemba will
be missed, especially her warm and friendly
smile. The entire organization wishes nothing
but the best for Dottie in her future endeavors.
On behalf of the Board of Directors, Staff and
Kemba Members, I would like to personally
thank Dottie for her loyal service to Kemba
Credit Union.
78,974,106
These figures are accurate
as of February 28, 2015.
Steve Behler, President/CEO
Piggest Raffle
Shred Day
Student Loans
Now is the time
to start your Home
Improvement
Equity
HOME
NMLS 422067
LOANS
Please
Join Us!
for our upcoming Seminars
Retirement Income
Kemba Kroger Building • April 8th – 1:00pm
Social Security & Medicare
Kemba West Chester • April 21st – 6:00pm
Retirement Income
Kemba Kroger Building • April 22nd – 1:00pm
Social Security & Medicare
Kemba Bridgetown • April 23rd – Noon
Social Security & Medicare
Kemba Harrison • April 24th – 11:45am
Retirement Income
Kemba Amelia • April 25th – 10:00am
Retirement Income
Kemba West Chester • May 19th – 6:00pm
RSVP by calling Stephanie Stegmuller at 513.762.7749
or email sstegmuller@midwestfp.com
Thank you
readers
for voting Kemba
Best Credit Union
in Cincinnati!
City Beat
plans!
A Kemba home equity loan can be
customized to fit your needs for any
number of purposes.
Home improvements, Vacations,
Debt Consolidation, College Tuition
Contact Our
Lending Specialists Today!
513.762.5070
Get Green Checking
pays you!
APY*
%
2.50
which could be
up to $30 a month!
*APY = Annual Percentage Yield.
On balances up to $15,000
See Kemba.com for qualification details.
Federally Insured by NCUA
*APY=Annual Percentage Yield. APYs accurate as of 3/17/2015. 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. ATM-processed 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.
A brief article from
one of our partner companies.
Recognized as one of this country’s Best Online Colleges 2014
by Best Value Schools and 50 Best Colleges for Adult Students
2014, Indiana Wesleyan University offers a wide array of accredited
undergraduate and graduate programs in business, education, nursing
and many others. Since 1985, Indiana Wesleyan University has been
serving the specific educational needs of adult students who want
to attend a Christian university. Our programs are convenient for
professionals in West Chester and Hamilton County. You may even
opt to complete most of our degree programs online. Conferencing
services are also offered at the West Chester location.
Cincinnati Education & Conference Center
9286 Schulze Drive, West Chester, OH 45069
indwes.edu/Cincinnati 513-881-3600
New
Online Banking
Coming Soon
New Online Experience,
Same Great Service.
See the Demo
at kemba.com
Home
In partnership with Star One Realtors, Home Connection puts all the real
estate tools you could ever want or need under one roof—ours!
It’s absolutely free to use, and can help you:
Connection
Search for a Home.
Search through the most current online MLS listings to find the home
of your dreams.
Connect with your Star One Realtor.
Just register online and you’ll get connected with your Star One Realtor.
Earn a Rebate.
Use one of our approved Star One Agents to buy or sell a home, and earn
a rebate at closing. For example, selling your $200,000 home would earn a
rebate of $1,000.
Just go online and get started today!
Kemba
Kemba and credit unions
across the country are
celebrating National Credit
Union Youth Month this
April! Come into any branch
and open a Kemba CUBS or
LIONS account for your kids
and start the foundation for
good money management
at a young age.
KIDS
Month
As part of the National
Youth Saving Challenge, all
new youth accounts will be
entered to win a $100 reward
from the Credit Union Nation
Association (CUNA). Existing
CUBS and LIONS members
are also eligible to enter.
*Example of $500 closing costs
on a 30 year conventional loan.
Loan Amount of $150,000,
interest rate of 3.875%, an
annual percentage rate of
3.968%, principal and interest
payment of $705.36 for 360
installments; based on loan to
value of 80% or lower; loans
subject to approval; rates
subject to change. Minimum
credit score of 720 required.
Payments do not include taxes
and insurance premiums, if
applicable, and the actual
payment obligation will be
greater. Please consult your
tax professional about possible
deductions. Rates for owner
occupied primary residence.
NMLS 422067
MORTGAGES
with Closing Costs
as low as
500
$
*
Get Pre-qualified Today!
513.762.1692
View our rates online at kemba.com
STAR ONE
Home
Connection
* Example rebate is based upon the home sale/purchase price multiplied
by .50% and is subject to change without notice. The Home Connection
program, along with its features and benefits, is available to you through
a joint relationship between Kemba Credit Union and Star One Realty.
In order to earn a rebate, buyers and sellers must use one of the real
estate agents listed in the approved agent network. Rebate amounts will
vary depending on the price of the house sold or purchased. Rebate is
only available in the following states: Ohio, Kentucky and Indiana. Please
consult with Kemba for details concerning the Home Connection program.
Program is subject to change without notice.
KEMBA
Mobile
Banking
Access
your
account
on-the-go!
*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.
Deposit Checks
Check Balances
View Transaction History
Transfer Funds
Locate the Nearest
Branch or ATM
Download the App
Today!
Congratulations
to Judy Hopper
Thank you for 37 outstanding
years of service to Kemba.
Your infectious smile and daily
positive attitude will be greatly
missed by staff and members.
We wish you the best
in retirement!
Adopt a Pig for Adopt A Class
It’s the Piggest Raffle Ever! Stop by your local Kemba branch
to buy an entry for just $5 each. Each entry you buy is a chance
to win the Grand Prize, a 2-year lease of a 2015 Toyota Prius.
100% of the donations received by Kemba Credit Union
will benefit the Adopt A Class Foundation which supports
underprivileged children at local schools. For more details
on Adopt A Class visit aacfoundation.com. For information
and rules regarding the Piggest Raffle Ever
visit www.piggestraffle.com.
Student Loans
Kemba’s Student Choice Program was created
with one goal in mind—helping you finance a higher
education without a higher price tag.
Our private student loan solution:
Helps fill the funding gap that exists after lower cost
sources of aid have been exhausted.
Offers zero origination fees and lower rates than
many other lenders.
Offers flexible repayment options resulting in
lower initial payments after graduation.
Gives you the chance to reduce your interest
rate by 0.25% during full repayment when you
enroll in automatic payment.
Establishes a relationship with a financial
institution you can trust - as your loan will be
granted and held by Kemba.
Allows for fully deferred payment while you’re in
school (optional).
By choosing Kemba’s
program over other
alternative lenders, you’ll
enjoy significant costsavings and consumer
friendly terms.
Start the process today
online at Kemba.com.
SHRED DAY
Join us for this FREE opportunity!
Conveniently and securely dispose of confidential documents.
Saturday, April 18, 2015 9:00 a.m. – 1:00 p.m.
West Chester - 8763 Union Centre Blvd., West Chester, OH 45069
Bridgetown - 5844 Bridgetown Rd., Cincinnati, OH 45248
Florence - 8880 Bankers St., Florence, KY 41042
WHAT TO BRING: Monthly statements, credit card statements, credit card
applications, receipts and other sensitive paper documents to be shredded.
Maximum of 10 boxes per vehicle.
SHRED
DAY
Locations
Amelia
1135 Ohio Pike
Amelia, OH 45102
COLLEGE HILL
6230 Hamilton Avenue
Cincinnati, OH 45224
Kroger Building
1014 Vine St.
Cincinnati, OH 45202
Springdale
211 Northland Blvd.
Cincinnati, OH 45246
Blue Ash
11450 Grooms Rd.
Cincinnati, OH 45242
Florence
8880 Bankers St.
Florence, KY 41042
Peyton
1111 South Adams St.
Bluffton, IN 46714
West Chester
8763 Union Centre Blvd.
West Chester, OH 45069
Bridgetown
5844 Bridgetown Rd.
Cincinnati, OH 45248
Harrison
10396 Harrison Ave.
Harrison, OH 45030
Queensgate
1045 West 8th St.
Cincinnati, OH 45203
MAILING ADDRESS
P.O. Box 14090
Cincinnati, OH 45250
kemba.com
513.762.5070
800.825.3622