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Kemba Financial

PO Box 307370, Gahanna, OH 43230
NCUA Insured2.4 (100 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1933

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO Box 307370

Gahanna, OH 43230

Service Area

This credit union is located in Gahanna and serves members in the OH area. Currently serving 138,781 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.49%

Used Auto Loan

6.74%

Personal Loan

10.24%

Credit Card APR

11.49%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in OH

Lowest rates currently reported by credit unions in OH (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(13 total)

Member Reviews

2.4

100 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Rona Moore

Rona Moore

6 months ago

Wow, what an early Christmas present; they repoed my vehicle after making 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! I had been hospitalized! There were a couple of angels that tried there best (Lauren and Amanda) to work with me but Walter Mollette (Mr Scrooge) wasn't having it! He's very NASTY! I understand they have a job to do but if a person is trying and they're upfront, show some humanity! If your a believer of Jesus Christ you should know humans come before anything else! Just remember the story in the Bible about Lazarus and the poor man. Lazarus turned his nose up at the poor man, both died and Lazarus went to hell, 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 your setting up your family to be taken care of but what about your soul? HELL is real! Don't forget that!

Libby J.

Libby J.

3 years ago

I wouldn’t recommend Kemba Financial Credit Union to my worst enemy. Tried to have a conversation with Rob in Loss Prevention whom tried to over talk me and then hung up on me, never apologized or anything when we were put back in communication for a 2nd time today. I complained but I’m sure nothing will be done to him. So tired of dealing with companies whom feel like you have to treat them with the upmost respect although they refuse to respect the customer. It is like they have no empathy or compassion. I’ve including some pictures of the lies they have posted in their establishment (slogans). I appreciate the Pickerington Branch workers for always being willing to help but based off past Customer Service and Rob in Loss Prevention; my personal opinion is to find another financial institution. One thing they were good for is motivation; because I’m very motivated to do whatever I have to to take my business and personal accounts to a different financial institution.

Cordie Wells Turner

Cordie Wells Turner

6 months ago

Just plain o disrespectful a check was coming in from another state they flagged it phone was hacked closed my account thought I was doing some fraudulent stuff and I was the one who asked for help integrated me. Following month hacked my other bank account they weren't that harsh change my account but didn't do what kemba did.

Craig Pritchard

Craig Pritchard

7 months ago

Says 24 hr member services but they transferred me to 3 different people that all tell me different hours and don’t speak English been a member for 20 years and the last 6 have been hell with this bank. Will be closing accounts end of month and moving to different bank

Benjamin Yeboah

Benjamin Yeboah

a year ago

I lost a business because of Kemba. I have been part of the union since 2016. I deposited a check for a business, Kemba held the check for one week and couldn't honor the check. I spoke to a manager to help me get this business, but I was told it's company's policy. The day I lost the business was exactly the day they honored the check. I am highly disappointed. For me, Kemba is not a bank for small businesses coming up. Beware!!!!

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).