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KLIPPINGS
WINTER 2015
Your guide to what’s happening at Kemba and
Greater Cincinnati Firefighters Credit Union
In this issue:
Home Buyers Seminar
Mobile Deposit
Calendar
January
1 - New Years Day Kemba Branches Closed
19 - Martin Luther King Jr Day
Kemba Branches Closed
February
6 - Kemba Scholarships Due
16 - Presidents Day
Kemba Branches Closed
17 - Kemba Annual Meeting
18-22 Cincinnati Auto Show
Financial
Summary
Assets
$
666,730,638
Loans
$
555,773,806
Shares
$
542,903,673
Members
83,921
Net Worth
$
81,740,912
These figures are accurate
as of November 30, 2014.
Annual Meeting
Scholarships
Proxy Ballot
Mortgages
Tax Services
CERTIFICATE
RATES
Let Kemba Pay You!
1 Year .60% APY*
2 Year .80% APY*
3 Year 1.30% APY*
4 Year 1.80% APY*
5 Year 2.00% APY*
Open Your Certificate
Today!
*APY=Annual Percentage Yield. These rates are accurate as of 1/1/2015 and
are subject to change after that date. Minimum balance to open and earn
dividends: $500.00. Fees may reduce earnings on the certificate. Penalty
charged for early withdrawal. When the certificate matures, other rates may
apply to new certificates and certain terms may not be available. Please
call 513.762.5070 or 800.825.3622 to obtain current rates.
www.starone.com
Kemba is proud to announce
our newest member-focused
mortgage service. Our partnership
with Star One Realtors brings you all
the tools needed to purchase your next
home or sell your current one. Star One
Realtors are committed to offering you
the utmost professional service, along
with special member services including
a rebate. Using the Star One Network,
Kemba members can now optimize the
home buying and selling transaction
for convenience and top-notch service.
From new construction design to
staging your home for sale, these
community-focused partners
will bring value to the home buying
process. Check out Kemba.com
for more information or call
513.762.1692 today!
Federally Insured by NCUA
Home Buyers Seminar
Saturday, February 7 • 9am-11am
8763 Union Centre Blvd. • West Chester, OH 45069
Register by calling 513.762.1692 and join
us for this home buying learning experience!
Call 513.762.1692
to Register Today!
See if you are eligible to receive a
FHLB
5,000 grant
$
from the welcome home program
Funds are limited. Contact us now!
513.762.1692
Thanks to your support and loyalty, Kemba had a
phenomenal year serving our members in 2014. Our
loan growth was at the top of the credit union industry.
Members continue to come to Kemba and finance their
home or new car. Our membership also recognizes the
value of a Kemba checking account, as we had major
growth in meeting all of your everyday financial needs.
Members continue to benefit from our developing product
line. Our addition of mobile check deposit to the mobile
app offers members the convenience desired in today’s
busy world. A new online banking system is being
developed and will be available in mid-2015.
A new online mortgage system will allow members more
tools for finding their dream home and financing it with
Kemba. We will partner with Star One Realtors to
enhance your home buying process. Star One is a local
network of realtors with strong community ties. As with
Kemba, Star One prides itself on personal service to their
clients. This program is planned to kick-off in the first
quarter of 2015.
We plan to enhance our payment methods for Kemba
debit and credit cards this year. Apple Pay is in the works
and should be available to the membership in the first half
of 2015. Apple Pay allows you to pay with your Kemba
debit or credit card on your iPhone 6. Your debit and
credit card will have enhanced security as EMV cards are
planned for 2015. EMV chip cards will reduce many
types of fraud and minimize the financial impact of the
many retailer data breaches.
Over the past year your credit union has been very active
in the community. Some of the events we’ve participated
in include:
Shred Day – Helped more than 3,000 households
securely shred documents and sensitive information.
Freestore Foodbanks Rubber Duck Regatta – Kemba
members helped provide more than 120,000 meals to
families and children in need.
Partnership with 5 Cares Coat Drive-Kemba members donated more than 1,000 coats.
2014 Corporate Special Olympic Games Participant
Adopt-A-Class – Provided gifts and meals to 25
underprivileged students and their families.
On behalf of our entire staff, we would like to thank
you for your support of the credit union. We hope
your holidays were filled with warmth and
happiness and wish you a healthy and
prosperous new year.
Steve Behler, President/CEO
Annual
Meeting
Tuesday, February 17, 2015
RECEPTIONS FAIRFIELD
5975 Boymel Drive • Fairfield OH 45014
Business Meeting
Buffet Dinner $12.50
6:00 P.M.
6:30 P.M. to 7:30 P.M.
The Annual Meeting is open only to Kemba Members.
Tickets may be purchased at any Kemba branch
location or by phone at 513.762.5070.
Kemba
Scholarships
}
corner
2015
CEO
Kemba will be offering
five - $1,000 scholarships.
Entry forms are now
available online at kemba.
com. Forms must be
completed and postmarked
or delivered to any Kemba
location no later than
February 6, 2015.
A brief article from one of our partner companies.
Since 1924, Cincinnati Christian University has
developed students into selfless, well-rounded leaders
who positively impact their community, country and
world. We offer Bachelors and Masters degrees in the
areas of Business, Counseling, Education, Psychology,
Ministry, Music, and Theology. Find out more
information online at www.CCUniversity.edu.
Come join us at the
C I N C I N N A T I
expo
AUTO 2015
February
18-22
Duke Energy Center
Kemba Credit Union
Board Members
up for 3 year terms
Steve Behler
Steve Behler is President/CEO of
Kemba Credit Union. He has been
employed by the credit union for thirtysix years. Steve has served on the
Board of Directors of Kemba Credit
Union as Treasurer since 2002. He
serves on the Executive Committee,
Audit Committee, Investment
Committee, Benefits Committee and
is Chairman of the Asset/Liability
Committee. Steve is on the Board of
Directors of the Community Depository
Institution Advisory Council with the
Federal Reserve Bank of Cleveland.
He also serves as Secretary on the
Cincinnati Fire Foundation Board
of Directors and is a member of the
Credit Union Executive Society. Steve
is a former board member of the
Credit Union National Association and
the Ohio Credit Union League. He
attended the University of Cincinnati.
Dottie Carnes
Dottie has been a Kemba member
since 1970. She has been a Kemba
board member since 1974. Dottie
has served as Secretary of the Board
for thirty-seven of her forty years on
the board. Dottie also serves on the
Benefits Committee and is a member
of the Executive Committee. She
retired from her position as Benefits
Manager at SupeRx Drugs in 1986
following twenty-three years of
combined service with The Kroger
Co. and SupeRx Drugs. Dottie wishes
to continue to build on the success
Kemba has enjoyed for many years.
Tim Martin
Tim has been a Kemba member
since 1965. He has been a Kemba
board member since 1997. Tim spent
twenty-one years with The Kroger
Co. before taking early retirement in
1986. Prior to retirement, he worked
at Kroger General Office in Corporate
Purchasing and Trade Relations. He
is the former owner of the John T.
Martin Company, a food packaging and
supermarket supplies brokerage firm.
Tim has a BBA from the University
of Cincinnati and received his MBA
from Xavier University. He was a
part-time instructor for 22 years at
Thomas More College in the Business
Administration Department. Tim wants
to play a positive role in enhancing
the continued growth and success of
Kemba and feels that his educational
and business experiences will help him
to do this.
Please detach and mail in the proxy ballot today!
Kemba Credit Union is a cooperative financial institution owned and controlled by its members, and established to promote thrift and provide credit
to those who belong. It is true that Kemba offers many of the same services as other financial institutions. But, unlike them, Kemba is a not-for-profit
organization. As a cooperative, Kemba is not owned by a company, by an individual, or by some distant corporation with little interest in you. You
own your credit union. Because you have $5.00 in your regular share account, you have a voice in how it is operated. Kemba is committed to serving
you, our credit union member. That’s why your vote at the Annual Meeting through the return of your proxy is so important. This system assures all
members vote on the election of directors, and on any action on proposed amendments or new business.
Revocable Proxy
I hereby constitute and appoint Dave Hanna, Deborah Davis and Jerry Ziegelmeyer or any of them as my proxy to cast votes to which I am entitled,
for all general business and for election of Directors, at the 2015 Annual Membership Meeting of Kemba Credit Union, Inc. (Scheduled to be held
February 17, 2015). This proxy authorizes the above named individuals to vote on the following: (1) approval of minutes of prior meeting, (2) election
of Directors, (3) matters incidental to the conduct of the meeting, and (4) matters of which management is presently unaware. This proxy will be valid
eleven months from the date it is signed.
Mail to:
Kemba Credit Union
Attention: Proxy Committee
GBQ Partners
230 West St., Suite 700
Columbus, OH 43215
Name (Please Print):
Signature:
Account No:
Date:
This Proxy is solicited on behalf of management of Kemba Credit Union, Inc.
Mobile Banking
Now with Mobile Deposit
Deposit checks on-the-go with Kemba!
Federally Insured by NCUA
Download the
App TODAY!
on Apple and Android devices
Tax Preparation
E-File Services
&
We are proud to announce
that Kemba Credit Union will
once again offer individual
and business tax return
preparation services through
our business partner Albertz &
Associates, CPA, LLC. Albertz
& Associates is a trusted
business partner who shares
the same business philosophy
of “people helping people.”
1040 EZ
1040 A
1040 Long Form
including Schedules
A&B
Other Forms not
listed above (each)
115
$
140
$
195
$
37
$
Starting in the tax year 2014, there may be additional fees related
to calculations and additional forms that would be necessary to
evaluate client compliance with the Affordable Care Act.
Locations
*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.
The tax return preparation process
is simple, with several options to fit
your needs:
1
You can drop off your tax material at your
local Kemba branch. Kemba will submit
it for processing to Albertz & Associates.
The completed tax forms will be returned
to your local branch within approximately
5 business days. Someone from Albertz &
Associates will contact you to tell you when
you can pick up your completed tax returns.
2
If your return is simple, you may elect to
have Mark Albertz prepare your return at
our West Chester office while you wait.
These appointments are designed to be 1
hour in duration. To schedule, simply call
the Albertz & Associates office at (513)
891-8400.
3
You can drop off your materials directly
at the Albertz & Assoc. office in
Springdale – 1329 East Kemper Road
Suite 4224, Cincinnati, OH 45246, on
weekdays between 8:30 and 4:30. Your
completed tax forms will be completed
and available for pick up or delivery within
approximately 5 business days.
We appreciate your support of our tax
preparation service and hope that you
find this service convenient. For more
information concerning tax preparation
services, call Albertz & Associates at
513-891-8400. Thank you again for
your support!
Amelia
1135 Ohio Pike
Amelia, OH 45102
COLLEGE HILL
6230 Hamilton Avenue
Cincinnati, OH 45224
Kroger Building
1014 Vine St.
Cincinnati, OH 45202
Springdale
211 Northland Blvd.
Cincinnati, OH 45246
Blue Ash
11450 Grooms Rd.
Cincinnati, OH 45242
Florence
8880 Bankers St.
Florence, KY 41042
Peyton
1111 South Adams St.
Bluffton, IN 46714
West Chester
8763 Union Centre Blvd.
West Chester, OH 45069
Bridgetown
5844 Bridgetown Rd.
Cincinnati, OH 45248
Harrison
10396 Harrison Ave.
Harrison, OH 45030
Queensgate
1045 West 8th St.
Cincinnati, OH 45203
MAILING ADDRESS
P.O. Box 14090
Cincinnati, OH 45250
Make
Your Dreams
Come True.
Refinance/Purchase
15 Year Mortgage
3.248
%APR*
Get pre-qualified
today!
Call 513.762.1692
*Rates as of 12/16/2014. Loan subject to approval.
Rates for owner occupied primary residence. Rates
are subject to change without notice. Payment will
be higher with an escrow account that includes taxes
and insurance. 740+ credit score. 80% Loan-to-value.
Please consult your tax professional about possible
deductions. Conventional loans based on amounts
of $150,000-$417,000. Annual Percentage Rate (APR)
is based on $150,000 loan
amount paid in 180 installments
of $1,044.91, principal and
interest only.
NMLS# 422067
kemba.com
513.762.5070
800.825.3622