KEMBA has been providing families financial security for well over seventy-five years. We are a non-profit financial organization wholly owned by its members. Because of this unique difference, credit union members many times earn more when they save and pay less when they borrow. Since our purpose is service to our members, not profit, all earnings are returned to our members in the form of higher dividends, lower loan costs, improved services, and lower fees. We will always be dedicated to providing top notch service to our members because they aren't just customers, they are owners of the credit union.