Kemba Credit Union50 N 5th St, Richmond, IN

Richmond, IN
(513) 762-5070
NCUA Insured

About Kemba

This branch of Kemba is located at 50 N 5th St in Richmond, Indiana, and can be reached at (513) 762-5070. Kemba is a federally insured financial cooperative serving the Richmond, Indiana community. Established to provide a secure alternative to big banks, they focus on member service rather than profits. If you are comparing options, you can also browse other credit unions in Richmond or review your personal loan options.

Not-for-Profit

Profits are returned to members via better rates & lower fees.

Community Focus

Local decision making and support for the Richmond area.

Key Member Benefits

  • Financial Counseling

    Expert guidance on budgeting, debt reduction, and wealth building to help you achieve financial stability.

  • First-Time Homebuyer Program

    Special mortgage programs with lower down payments or rate assistance to help you buy your first home.

  • Low-Cost Wire Transfers

    Affordable wire transfer services, making it easier to send money domestically or internationally.

  • Free Checking

    No-cost share draft accounts (checking) with no monthly maintenance fees.

Location & Branch Hours

Visit Branch

50 N 5th St

Richmond, IN 47374

Lobby Hours
Closed

The credit union lobby is currently closed.

Today: 8:30am-4:30pm

SundayClosed
Monday8:30 AM - 4:30 PM
Tuesday8:30 AM - 4:30 PM
Wednesday8:30 AM - 4:30 PM
Thursday8:30 AM - 4:30 PM
Friday8:30 AM - 4:30 PM
SaturdayClosed

Need Funds Before You Join?

How to Join

Membership at Kemba is typically open to individuals who live, work, worship, or attend school in Richmond and surrounding areas.

Standard Requirements:

  • Valid Government ID (Driver's License, Passport)
  • Social Security Number (SSN)
  • Proof of Address (Utility bill, Lease)
  • Small opening deposit (Usually $5 - $25)

We recommend contacting the branch at (513) 762-5070 to confirm your eligibility before visiting.

Membership and underwriting can take time. If you need funds while your application is in progress, you can explore installment loans or, if your credit history is still developing, review loan options for bad credit.

Services and Loan Types

Like most credit unions, Kemba typically offers the following services. If you want to weigh these against online options, you can compare debt consolidation loans or, for those rebuilding their score, look at loans for fair credit:

Loans & Credit

  • Personal Loans: Unsecured loans for debt consolidation or emergencies.
  • Auto Loans: Financing for new and used vehicles.
  • Home Loans: Mortgages and Home Equity (HELOC).
  • Credit Cards: Low-rate Visa/Mastercard options.

Banking & Savings

  • Checking Accounts: Often free with no minimum balance.
  • Savings Accounts: Share accounts with dividends.
  • CDs & IRAs: Long-term savings options.
  • Online Banking: Mobile app and remote deposit.

Verified Branch Services

Shared Service Center

Frequently Asked Questions

Is Kemba federally insured?

Yes, as a federally chartered or insured credit union, accounts are insured by the **NCUA (National Credit Union Administration)** up to $250,000. This offers the same level of protection as FDIC insurance at traditional banks.

Who can join this credit union?

Field of membership typically includes residents of Richmond, employees of specific local companies, or family members of existing members. Contact the branch directly for the most current eligibility list.

Other Kemba Locations

10 additional branches in 3 states

IndianaCurrent State

2 locations
Kemba Credit Union in Connersville, INClosed

3030 Western Ave

17 mi away(513) 762-5070
Kemba Credit Union in Bluffton, INClosed

1111 S Adams St

64 mi away(513) 762-5070

Kentucky

1 location
Kemba Credit Union in Florence, KYClosed

5935 Merchants St

58 mi away(513) 762-5070

Ohio

7 locations
Kemba Credit Union in Harrison, OHClosed

10396 Harrison Ave

41 mi away(513) 762-5070
Kemba Credit Union in Cincinnati, OHClosed

6230 Hamilton Ave

47 mi away(513) 762-5070
Kemba Credit Union in Blue Ash, OHClosed

11200 Kenwood Rd

48 mi away(513) 762-5070
Kemba Credit Union in Cincinnati, OHClosed

5844 Bridgetown Rd

48 mi away(513) 762-5070
Kemba Credit Union in Cincinnati, OHClosed

1119 W 8th St

54 mi away(513) 762-5070
Kemba Credit Union in Cincinnati, OHClosed

629 Vine St

54 mi away(513) 762-5070
Kemba Credit Union in Amelia, OHClosed

1135 W Ohio Pike

64 mi away(513) 762-5070

Credit Unions Near Me in Other Indiana Cities

Looking for credit unions near me in other Indiana cities? Browse credit unions in nearby locations:

View all credit unions in Indiana

If Kemba Credit Union isn't the right fit

To borrow from Kemba Credit Union you generally need to qualify for membership and meet its lending criteria, and not every applicant is approved. If you don't qualify, need to compare rates, or want to review more options, you can connect with online lenders serving Indiana. Applying is quick, and funds may be available as soon as the next business day after approval.

Fast Fair Loans is not a lender, does not make credit decisions, and cannot guarantee loan approval or amount. Loans are not available in all states.