April - Buy a pig for Adopt-A-Class!

May - Don’t forget about student loans!

June - Get vacation cash with a personal loan!

Assets$781,658,567 Loans$659,073,462Shares$670,940,946Members88,945 Net Worth$92,376,952 These figures are accurate as of February 28, 2017.

Your guide to what’s happening at KembaKLIPPINGSSPRING 2017

Calendar

Financial Summary

22 Shred Day 2017

29 Memorial Day Kemba Branches Closed

5 Piggest Raffle Drawing

After nearly 40 years of working with an incredible membership, board and staff, I have decided to hand the reins of leadership to the next generation at Kemba. I will be retiring in early 2018 to spend more time with my wife Cathy, our children and grandchildren. It has been an honor serving you for these many years and I would like to thank you for allowing me the opportunity to lead Kemba Credit Union through some exciting times. Throughout my tenure as President/CEO, I have worked with some of the finest minds in our industry. I have had the privilege of serving in a number of leadership roles throughout the credit union movement with the sole intent of keeping with the credit union philosophy of “people helping people”. With that in mind, our credit union is committed to utilizing all of the resources available, both inside and outside the industry, to continue to bring our membership the latest and most up-to-date products and services that you deserve as a member of Kemba. I am grateful to the Board of Directors, the management team and staff whose daily efforts allow us to serve you. The credit union’s financial position and infrastructure remains sound and healthy. With nearly $800 million in assets, 12 offices serving nearly 90,000 members, Kemba Credit Union has experienced significant growth. As Kemba looks to the future, we will continue to focus on serving our members and communities. The credit union is positioned to increase market share while keeping the personal touch that the membership deserves and expects.

As I prepare to enter the next stage of life, I leave the credit union in excellent hands. The Board of Directors has named Dan Sutton, COO, as your next President. Dan has been with the credit union for the past 18 years working on your behalf, bringing the latest financial products and services to enhance your financial lives. I am confident that Dan will continue to guide the credit union into the future with the many new opportunities that lie ahead for Kemba. He is supported by a dedicated board, management team and staff. I would like to congratulate Dan on his new position and wish him all the success as he assumes the responsibility as President. I will retain the position of Chief Executive Officer until my retirement.

As we move through this transition in the coming months, please do not hesitate to reach out to Dan and the rest of our team. 2017 should prove to be yet another incredible year for Kemba. As always, we are here to serve you!

Steve BehlerCEOKemba Credit Union, Inc.

A SPecIAL meSSAGe From Steve behLer

In this issue:

kemba.com

See if you are eligible to receive a

$5,000 grantfrom the welcome home programFunds are limited. Contact us now!

513.762.1692

Auto Loans Student Loans Piggest Raffle Mobile Banking Credit Cards Shred Day 2017

3-17_KLIPPINGS_Spring.indd 1 3/24/17 2:55 PM

Adopt a Pig for Adopt-A-classIt’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.

*APY=Annual Percentage Yield. APYs accurate as of 1/1/2017. Rates may change after account is opened. If qualifications are met each monthly qualification cycle: (1) Balances up to $15,000 receive APY of 1.50%; and (2) balances over $15,000 earn 0.15% dividend rate on portion of balance over $15,000, resulting in 1.50% - 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. $19 a month is based upon keeping a daily balance of $15,000 and qualifying. Fees may reduce earnings. Limit one Get Green account per SSN.

Do you Useor iTunes?

AmazonSign up for Get Tunes Checking!

Which could EaRn you up to $60 in Amazon or iTunes

credits a year.* Plus a $25 cREdit just for opening the account.

*Each qualification cycle, earn up to $5 in refunds of iTunes and/or Amazon.com purchases if qualifications are met during previous monthly qualification cycle. Purchases must be made with debit card associated with your Get Tunes Checking account. Qualifying transactions must post to and settle the account during monthly qualification cycle. Transactions may take one or more banking days from date transaction was made to post to and settle 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. iTunes is a registered trademark of Apple, Inc. and Amazon.com is a registered trademark of Amazon Inc. Apple Inc. and Amazon Inc. are not participants in or sponsors of this program. Limit one 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

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

Tired of Paying for

Get Green Checking Pays You!

checking?Which could

be up to

$19 a month.

construction Loans Now Available!

If you are looking to build a new home, we can help you through the entire process. For information visit kemba.com or call 513.762.1692

*APR = Annual Percentage Rate. Model years 2014 -2017. Minimum credit score of 710+ required. Maximum term of 63 months. Example loan in the amount of $20,000.00 for 60 months, would have a monthly payment of $359.27, with an interest rate of 2.99% and an APR of 3.19%. New money only. Upon approved credit. Kemba refinances do not apply. Rates subject to change. This rate is accurate as of 01/09/2017

Auto Loans

Get Pre-approved today!

Rates as low as

3.19%APR*

Federally Insured by NCUA

Federally Insured by NCUA

kemba.com 513.762.1600

Kemba Mobile App

NMLS 422067

3-17_KLIPPINGS_Spring.indd 2 3/24/17 2:55 PM

*Example of $450 closing costs on a 30 year conventional loan. Loan Amount of $160,000, interest rate of 4.375%, an annual percentage rate of 4.453%, principal and interest payment of $798.86 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.

Apply Online today!

kemba.com

NMLS 422067

*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.

Access your accounton-the-go!

mobILe bANKING

Student LoansBy choosing Kemba’s program over other alternative lenders, you’ll enjoy significant cost-savings and consumer friendly terms. Start the process today online at Kemba.com.

Kemba’s Student Choice Program was createdwith one goal in mind—helping you finance a highereducation without a higher price tag.Our private student loan solution:Helps fill the funding gap that exists after lower costsources of aid have been exhausted.Offers zero origination fees and lower rates thanmany other lenders.Allows for fully deferred payment while you’re inschool (optional).

Offers flexible repayment options resulting inlower initial payments after graduation.Gives you the chance to reduce your interestrate by 0.25% during full repayment when youenroll in automatic payment.Establishes a relationship with a financialinstitution you can trust - as your loan will begranted and held by Kemba.

APR VARIABLE*4.00%

Rates as low as

HOmE imPROvEmEnts

dEBt cOnsOlidatiOn

Home

Line of Credit

Equity

*Upon approved credit. APR=Annual Percentage Rate. Kemba refinances do not apply. Home Equity Loans are not available in all states. Rate reflects 80% or less Loan-to-Value (LTV) and credit score of 710+. Up to 95% LTV rates and terms are available to qualified borrowers. Prime is as stated in the Wall Street Journal, subject to adjustment on the first day of each calendar quarter with a maximum APR of 18% and a minimum APR of 4.00%. The current rate of Prime + 0 is only available on new loans (new money) with an initial advance of $5,000 and a credit score of 710 or better. No closing cost special is valid on new loans (new money) with an initial advance of $5,000 or more. New loans with an initial draw under $5,000 will be subject to a $500 closing cost. The $100 annual fee on the LOC will be waived the first year. Contact your tax advisor for tax deductibility. Your Annual Percentage Rate can change quarterly. There is no limit on the amount by which the interest rate can change during any one-year period other than the maximum Annual Percentage Rate that can apply at any time to this account. NMLS 422067

nO clOsinG cOstsannual FEE WaivEd FOR tHE FiRst yEaR

uP tO 95% ltv PROGRams availaBlEintEREst may BE tax

dEductiBlE

MORTGAGESCloSInG

CoSTSas low as

$450*

3-17_KLIPPINGS_Spring.indd 3 3/24/17 2:55 PM

cOllEGE Hill6230 Hamilton AvenueCincinnati, OH 45224

FlOREncE 5935 Merchants St.Florence, KY 41042

HArrISON 10396 Harrison Ave. Harrison, OH 45030

amElia 1135 Ohio Pike Amelia, OH 45102

BluE asH 11450 Grooms Rd. Cincinnati, OH 45242

BRidGEtOWn 5844 Bridgetown Rd. Cincinnati, OH 45248

KROGER BuildinG 1014 Vine St. Cincinnati, OH 45202

PEytOn 1111 South Adams St. Bluffton, IN 46714

QuEEnsGatE 1045 West 8th St. Cincinnati, OH 45203

sPRinGdalE 211 Northland Blvd. Cincinnati, OH 45246

WEst cHEstER8763 Union Centre Blvd. West Chester, OH 45069

mailinG addREssP.O. Box 14090 Cincinnati, OH 45250

Our dedicated and experienced realtors will be there for you each and every step of buying or selling your home. Find your dream home today.

Visit kembarealty.comOr Call 513.763.HOmE

Search Homes

List Your Home

FindAn Agent

kemba.com513.762.5070800.825.3622

Locations

Don’t have a Kemba Credit Card?Apply online today at kemba.com

Using your Kemba credit card can turn your everyday purchases into that dream vacation you’ve always wanted or a new TV.

Use your Kemba credit card and Earn Rewards!

SHREDDAY

SHRED DAYJoin us for this Free opportunity! conveniently and securely dispose of confidential documents.saturday, april 22, 2017 9:00 a.m. – 1:00 p.m.West Chester - 8763 Union Centre Blvd., West Chester, OH 45069Bridgetown - 5844 Bridgetown Rd., Cincinnati, OH 45248Florence - 5935 Merchants Street Florence, KY 41042

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.

*APR = Annual Percentage Rate. 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%.

*APR = Annual Percentage Rate. Upon Approved Credit. *APR = Annual Percentage Rate. Upon Approved Credit.

visa GOld 8.74% APR*

VARIABLE

Buying and selling your home made easy!

WHat tO BRinG: 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 billsafter 7 years: Tax-related receipts, Tax-related cancelled checks, W-2s, Records for tax deductions takenIt 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

3-17_KLIPPINGS_Spring.indd 4 3/24/17 2:55 PM