Business Details
50+ Years
experience
Your Trusted Partner for Financial Solutions in Charleston, WV
Kemba Charleston Federal Credit Union was established in 1935 and holds the distinction of being the first federally-chartered credit union in West Virginia. With over 85 years of service, we have grown to manage $45 million in assets and serve more than 3,400 members. Our cooperative, not-for-profit structure ensures that every financial product and service is designed to benefit our members rather than external shareholders. We offer a comprehensive range of services including checking and savings accounts, vehicle loans, personal loans, mortgages, home equity loans, and online banking solutions.Our commitment to financial education and personalized service empowers members to achieve their financial goals. Backed by NCUA insurance, we provide security for savings up to $250,000 per member. Our experienced team prioritizes transparency, ethical practices, and community involvement. Through financial counseling and tailored lending options, we address the unique needs of individuals and families. Our digital platforms enable 24/7 account access for convenience. As a member-owned institution, we reinvest earnings to improve services and maintain competitive rates.
Services
Checking Accounts
Savings Accounts
Vehicle Loans
Personal Loans
Mortgages
Home Equity Loans
Online Banking
Mobile Banking
Financial Counseling
Insurance Services
Details
- Year established: 1935
Highlights and features
- We offer over 85 years of localized financial expertise.
- Our NCUA-insured accounts protect savings up to $250,000.
- We provide personalized loan solutions with competitive rates.
- Our digital banking tools enable 24/7 account management.
- We reinvest earnings to improve member services.
Associations and certifications
- NCUA
Services
Vehicle Loans
We provide competitive financing for new and used passenger vehicles, motorcycles, ATVs, and RVs. Qualified borrowers access flexible terms and GAP insurance options. Our loan specialists help members secure affordable monthly payments.
Home Equity Loans
Tap into your home's value with fixed-rate loans up to 80% of equity. Funds support home improvements, debt consolidation, or major purchases. Competitive rates reward homeowners with established equity.
Online Banking
Manage accounts 24/7 through our secure KembaConnection platform. Transfer funds, pay bills, view statements, and monitor transactions from any device. Enhanced security protects your financial information.
Savings Accounts
Choose from regular shares, premium savings, and Christmas club accounts. NCUA-insured options include tiered rates and dividend-bearing certificates for short- and long-term goals.
Financial Counseling
Receive personalized guidance on budgeting, debt reduction, and financial planning. Our counselors help members build sustainable financial habits through one-on-one consultations and educational resources.
Questions
What is a credit union?
A member-owned financial cooperative offering savings, loans, and financial services. Profits return to members through better rates and lower fees.
How do I apply for a loan?
Complete an application online through KembaConnection or contact our loan department for personalized assistance with vehicle, personal, or mortgage loans.
Are my deposits insured?
Yes, all savings accounts are NCUA-insured up to $250,000 per member.
What online banking features are available?
Transfer funds, pay bills, view statements, and manage accounts 24/7 through our secure KembaConnection platform.
What loan types do you offer?
We provide vehicle loans, personal loans, mortgages, home equity loans, and specialized financing options for various needs.
