What's a Credit Union

A credit union is a cooperative, not-for-profit financial institution organized to promote thrift and provide credit to members. It is member-owned and controlled through a board of directors elected by the membership.

The board serves on a volunteer basis and may hire a management team to run the credit union. The board also establishes and revises policy, sets dividend and loan rates, and directs certain operations.

The result: members are provided with a safe, convenient place to save and borrow at reasonable rates at an institution which exists to benefit them, not to make a profit.


Kemba Charleston Federal Credit Union Financial Status as of:  

October 31, 2023

Total Shares:

Total Loans:

Total Assets:

Capital: $8,487,687

No. of Members:


Fee Schedule

Fee Schedule Accurate as of: February 1, 2024

Share/Savings Account Fees
Fee Description Fee Amount
IRA Share Accounts Administration (waived after sixty (60) days) $ 50.00 if account is closed within (90) days of opening
Share Draft Account Fees
NSF fee: $ 30.00 per item
Returned Item fee: $ 30.00 per item
Stop Payment fee: $ 20.00 per request
Share Draft/Checking Overdraft Transfer fee: $ 1.00 per item
Share Draft Printing fee: Prices may vary depending upon style
Share Draft Re-Open fee: $40.00
Christmas Club Early Withdraw fee: $10.00 per withdraw
Other Services Fees (applicable to all accounts)
Account Reconciliation fee: $ 50.00 per hour
Account Research fee: $ 50.00 per hour
Statement Copy fee: $ 2.00 per page
Deposited Item Return fee: $ 30.00 per item
Return Mail fee: $ 5.00 per returned item
Stale Dated Check Fee: $ 50.00 per item
Counter Checks: $ 5.00 per sheet of (4) checks
Check Copy: $10.00 per item
Inactive Account fee: $ 5.00 per month after 1 year and account under    $100.00
Escheatment fee: $ 100.00
Incoming Wire Transfer fee: $ 10.00 per transfer
Outgoing Wire Transfer fee: $ 30.00 per transfer
Fax fees (personal): $ 1.00 per page
Official Check To Third Party: $ 3.00 per check
Electronic Funds Transfer Fees
ATM Withdrawal(s) First 6 transactions are free per month/$1.00 per transaction thereafter.
Card Replacement fee: $ 20.00
Debit Card Transaction fee: $ 1.00
Card Foreign Interchange: 1% of purchase price
ACH Origination fee: $ 2.00 per item
Credit Union Membership
Membership Share: $ 5.00 par value, $10.00 minimum for dividends.
Share Early Closure Fee (Account closed within 6 months of opening) $ 5.00

Privacy Policy

KEMBA Charleston Federal Credit Union is committed to protecting the privacy of our members. In general, you can visit us on the World Wide Web without disclosing to us who you are or revealing any information about yourself. There are several areas, however, that will collect certain information about you and we want you to know how we handle that information.

If you visit our website, KEMBA Charleston Federal Credit Union collects and stores information on the domain you use to access our website, the Internet address of the site from which you linked directly to the site, and the date and time of your visit. This information is used to measure the number of visitors to the various pages on our site to better serve our membership.

If you send an e-mail, KEMBA Charleston Federal Credit Union collects and stores personally identifying information in order to process your e-mail, form or application. This information is not sold to any third parties. Due to the volume of e-mail activity, these messages are deleted after they are answered or completed.  Access to this nonpublic personal information about you is restricted to those employees who need to know that information to provide products or services to you.  We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

We do not disclose any nonpublic personal information about our members and former members to anyone, except as permitted by law.

If you link to another site from any of our pages, you are leaving our site pages, and we cannot be held responsible for any information that may be gathered at a linked site. You are linking to an alternate web site not operated by the credit union and we are not responsible for the content of the alternate web site.  The credit union does not represent either the third party or the member if the two enter into a transaction; and privacy and security policies may differ from those practiced by the credit union.  We make every effort, however, to ensure that all linked sites follow similar privacy procedures as ours to offer you maximum security and privacy.

A paper copy of our privacy policy is available upon request.

Kemba Charleston FCU Privacy Policy
Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and account balances
  • Checking account info and credit history
  • Payment history and transaction or loss history
How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Kemba Charleston Federal Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Kemba Charleston Federal Credit Union share? Can you limit this sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or to report to credit bureaus Yes No
For our marketing purposes – to offer our products and services to you Yes No
For joint marketing with other financial companies Yes No
For our affiliates’ everyday business purposes –
Information about your transactions and experiences
No We don’t share
For our affiliates’ everyday business purposes –
information about your creditworthiness
No We don’t share
For nonaffiliates to market to you No We don’t share
Questions? Call 304-768-5700 or go to www.kembacharletonfcu.org
Who we are
Who is providing this notice? Kemba Charleston FCU
What we do
How does Kemba Charleston FCU protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Kemba Charleston FCU collect my personal information? We collect your personal information, for example, when you

  • open an account or provide employment information
  • apply for financing or give us your contact information
  • show your driver’s license

We also collect your personal information from others, such as credit bureaus, affiliates or other companies.

Why can’t I limit all sharing? Federal law gives you the right to limit only

  • sharing for affiliates’ everyday business purposes – information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Affiliates Companies related by common ownership or control. They can be financial and non-financial companies.

  • Kemba Charleston FCU has no affiliates.
Non-affiliates Companies not related by common ownership or control. They can be financial and non-financial companies.

  • Non-Affiliates can include government agencies, plastic card processors, financial statement publishers or printers, mailhouse, consumer reporting agencies, data processors, and draft printers.
Joint marketing A formal agreement between non-affiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include CUNA Mutual Group’s TruStage Program.
Other important information

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