Your guide to what’s happening at Kemba KLIPPINGS SPRING 2019 April Consolidate debt with a Kemba Personal Loan. Assets $ 970,665,682 Loans $ 819,720,489 Shares $ 792,646,658 Members 99,740 Net Worth $ 110,957,240 These figures are accurate as of February 28, 2019. Calendar 27 Shred Day 2019 5 Piggest Raffle Drawing 27 Memorial Day Kemba Branches Closed May Invest with a Kemba Certificate. June Make improvements with a Kemba Home Equity Loan. Financial Summary *APY=Annual Percentage Yield. APYs accurate as of 1/1/2019. Rates may change after account is opened. If qualifications are met each monthly qualification cycle: (1) Balances up to $15,000 receive APY of 2.00%; and (2) balances over $15,000 earn 0.15% dividend rate on portion of balance over $15,000, resulting in 2.00% - 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 Get Green account per SSN. To earn your rewards, we just ask you to meet 3 simple criteria each monthly qualification cycle: Use your debit card 12 times View E-Statements Access online or mobile banking Get Green Checking Pays Y 2.00% APY* Money might not grow on trees, but it does grow in your Get Green Checking account. This rewards account pays you high dividends simply for banking and buying the way that’s most convenient for you— online and with your debit card. In this issue: kemba.com MVP Checking Auto Center Home Equity Loans Kemba Realty Piggest Raffle Shred Day Y focus the me, WE HAVE EVERYTHING ELSE COVERED. MORTGAGE FINANCING OPTIONS AVAILABLE! JUMBO • 15 or 30 Year Conventional First Time Homebuyers • FHA • VA Get Pre-Qualified at kemba.com Questions? 513.762.1692 Mobile Mortgage Center NMLS #422067 FHA= Federal Housing Administration. Kemba is not acting on behalf of or at the direction of HUD/FHA or the Federal government. Insured by NCUA Visit kemba.com for details!
Transcript
Your guide to what’s happening at Kemba
KLIPPINGSSPRING 2019
April Consolidate debt with a Kemba Personal Loan.
Assets$970,665,682 Loans$819,720,489
Shares$792,646,658
Members99,740 Net Worth$110,957,240 These figures are accurate as of February 28, 2019.
Calendar
27 Shred Day 2019
5 Piggest Raffle Drawing27 Memorial Day Kemba Branches Closed
May Invest with a Kemba Certificate.
June Make improvements with a Kemba Home Equity Loan.
Financial Summary
*APY=Annual Percentage Yield. APYs accurate as of 1/1/2019. Rates may change after account is opened. If qualifications are met each monthly qualification cycle: (1) Balances up to $15,000 receive APY of 2.00%; and (2) balances over $15,000 earn 0.15% dividend rate on portion of balance over $15,000, resulting in 2.00% - 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 Get Green account per SSN.
To earn your rewards, we just ask you to meet 3 simple criteria each monthly qualification cycle: Use your debit card 12 times View E-Statements Access online or mobile banking
Get Green Checking Pays You
2.00%APY*
Money might not grow on trees, but it does grow in your Get Green
Checking account. This rewards account pays you high dividends
simply for banking and buying the way that’s most convenient for you—
online and with your debit card.
In this issue:
kemba.com
MVP Checking Auto Center Home Equity Loans Kemba Realty Piggest Raffle Shred Day
You focus on the move, we have everything
else covered.
MoRTGAGE FINANCINGoPTIoNS AVAILAbLE!
JUMBO • 15 or 30 Year Conventional
First Time Homebuyers • FHA • VA
Get Pre-Qualified at kemba.comQuestions? 513.762.1692
MobileMortgageCenter
NMLS #422067FHA= Federal Housing Administration. Kemba is not acting on behalf of or at the direction of HUD/FHA or
the Federal government.
Insured by NCUA
Visit kemba.com for details!
CEo CORNER
I would like to sincerely thank the membership for its continued support of my transition into the President/CEO position. Your support and loyalty helped Kemba Credit Union achieve new heights in 2018. Members continue to turn to their credit union for their borrowing and savings needs. Kemba’s Board and Management Team remain committed to offering members new products and services that will enhance their financial lives. Our newest product, MVP Checking, offers members a bundle of cost-saving items at a low monthly price. For just $6 a month Kemba members enjoy local and national savings on dining, shopping and travel, as well as, cell phone protection, roadside assistance and more. To learn more about this exciting new product or to enroll, call us or visit a branch today. Mortgage rates have dropped during the first quarter of 2019. Now may be the right time to start looking for that new home and our professional mortgage team is ready to help you get pre-qualified. Call us or visit our Mortgage Center at Kemba.com to learn more and apply today. Kemba continues to be an active community partner in 2019.
On Saturday, April 27, we will be holding our 10th Annual Shred Day event in partnership with Shred-it and WLWT Channel 5. This free event allows members and the community to shred sensitive documents. Shred Day will take place at our West Chester, Bridgetown and Florence branches from 9AM – 1PM.
Again, this year, we will participate in The Piggest Raffle Ever, supporting the Adopt A Class Foundation. Beginning in April, Kemba will be selling chances to win the Grand Prize of $10,000 ($5,000 to the winning ticket holder and $5,000 to the Adopt A Class Foundation) or a two-year lease of a Toyota Prius.
As we move into the second quarter of 2019, know that all of us here at Kemba Credit Union are here to serve you.
Dan SuttonPresident/CEo
Realty services are offered through Kemba Realty, Inc., an affiliate of Kemba Credit Union, Inc. Kemba Credit Union may receive a financial or other benefit because Kemba Credit Union has an
ownership interest in Kemba Realty, Inc. Business conducted with Kemba Realty, Inc. is separate and distinct from any business with Kemba Credit Union.
513.763.HoME859.372.HoME
Buying And Selling Your HomeMADE EASy!
Ohio
NorthernKentucky
kembarealty.comFind The Right Agent Today!
Kemba Credit Cards GREAT RATES,
PLUS REWARDS!VISA PLATINUM 9.90%APR*
*APR = Annual Percentage Rate. Upon Approved Credit. Transaction fee for balance transfers and cash advances: 2% of each advance; minimum of $2, maximum $50. Foreign currency transaction fee 1%. Terms and conditions may apply for loan approval.
Insurance, annuities, securities products, and financial planning services are subject to investment risks, including the possible loss of principal invested (applicable to variable insurance and variable
annuities), and are not credit union products or offerings, are not guaranteed by, or deposits or obligations of, Kemba Credit Union or any of its affiliates, and are not insured by the National Credit
Union Association (NCUA) or any other federal entity.
513.762.1678kembainsurance.com
CALL US when you get your next insurance bill
& GET AFREE INSURANCE
REVIEW!
*Kemba Insurance is a registered trade name of Phelan Insurance Agency, Inc and is owned and operated by
Phelan Insurance Agency, Inc. Products offered by Kemba Insurance 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.
Kemba partners with Midwest Financial Partners to provide personalized service in assisting with IRA rollovers, educational funding, retirement income
planning and asset management services.
Call today!513.762.7715
APPLy oNLINEkemba.com or with our Mobile App!
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 of $10,000 ($5,000 to winning ticket holder and $5,000 to the Adopt A Class Foundation) or a 2-year lease of a 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.
earn Morewith a Kemba Certificate!
*APY= Annual Percentage Yield. Early withdrawals subject to penalty. Minimum balance to open and earn dividends: $500.00. APY accurate as of 3/1/2019.
now is the tiMe for spring hoMe iMproveMents! CONSUMER RESOURCES
Kemba Consumer Resources is a lending solution that partners with local retailers to get you the best financing options available. You name the financing need...we have it covered. Our simplified financing approach allows you to easily obtain the product or service you need with the backing of the Kemba name.
Questions? 513.763.8189
You can also use your home's equity for many other financial needs such as:.Education expenses.Major life events
.Major home improvements.Debt consolidation.Emergency reserve And much more! NMLS 422067
APPLy oNLINEkemba.com or with our Mobile App!
Spring has Sprung. Get ready for those memorable Summer days! Build that outdoor oasis for your family to enjoy. Just use the equity in your home for a Home Equity Line of Credit. It’s a great time to get a low rate line of credit from Kemba.
Line of CreditequityHome
CoNGRATULATIoNS, DAN!Dan Sutton, Kemba President/CEO, was recently named one of the region’s 300 most influential business leaders by Cincinnati Magazine. This publication celebrates top
executives across various industries, from consumer goods and manufacturing to professional services and nonprofits.
Insured by NCUA
oPEN yoUR CERTIFICATE ToDAy!513.762.5070
60 Month Certificate
3.25%APY*
Introductory Period with No Interest*No back Interest Charges
9.90% APR after Introductory Period* For a list of retailers visit kemba.com.
*APR=Annual Percentage Rate. With approved credit. Up to 12 months no interest option with Regular Minimum Payments required. Terms convert to regular account terms at the end of the introductory period based on new principal balance and rate of 9.90% Transaction fee for balance transfers and cash advances: 2% of each advance; minimum of $2, maximum $50. Foreign currency transaction fee 1%. Financing available through Kemba Retail Services clients.
Find your new car online at kemba.com
KeMBaAUTo CENTERNewLook!
Kemba’s Auto Center can help you find that new or used car you’ve always wanted!
Preferred Dealers • Search New or Used Vehicles • Kemba Financing Options
Car Buying Advice • Vehicle Values
CoLLEGE HILL6230 Hamilton AvenueCincinnati, OH 45224
What do I bring to Shred Day?Recommendations from the Federal Trade Commission: Shred Immediately: Sales receipts, ATM receipts, Paid credit card statements, Paid utility bills, Credit offers, Cancelled checks (that are not tax-related), Expired warranties
After one year: Pay stubs, Bank statements, Paid undisputed medical bills
After 7 years: Tax-related receipts, Tax-related cancelled checks, W-2s, Records for tax deductions taken
It depends…Auto titles (Keep as long as you own the vehicle), Home deeds (Keep as long as you own the property), Disputed medical bills (Keep until the issue is resolved), Home improvement receipts (Keep until you sell your home and pay any capital gains taxes)
Keep Forever: Birth certificates, Social Security cards, Marriage or divorce decrees, Citizenship papers, Adoption papers, Death certificates, Tax returns
mVP CHECKING
Introducing
SAVE
SHoP
bRoWSE
Shop Local. Save Local.
oPEN yoUR ACCoUNT ToDAy!
Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions and may choose to limit deals.
1 Cell phone protection and personal identity theft benefit are subject to additional terms and conditions. 2 Insurance products are: NOT A DEPOSIT. NOT NCUA-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE CREDIT UNION.
Get discounts that fit each day, each plan, each purchase.
The restaurants and shops you know and love are included in the BaZing savings network, right where you live and across the nation.
Simply show your mobile coupon to the retailer for instant savings.
Plus cell phone protection1,2, roadside assistance and ID theft aid1,2 for only $6 per month!
