Start Your Christmas Shopping Early This Year!
Instead of mailing out Christmas Club checks this year, your credit union will deposit your Christmas Club funds directly into your share account.
We will make this deposit on November 1, thus allowing you the ability to begin withdrawing from that date forward. By beginning this new method of
disbursing our Christmas club funds, you will have the benefit of faster access and the ability
to withdraw only the amount you need for your holiday spending.
If the only account you have with Kemba is your Christmas Club account, we will make these funds available to you at no charge. Just call our office
and we will mail you a check for whatever amount you request. We will mail your check(s)
free of charge through the end of December. Your scheduled weekly deposits will
immediately begin going to your Christmas Club account beginning November
2. If you would like to make any changes to your account for next year,
please fill out a form in your break room supply rack and forward it to our office.
Get the F.A.C.T.S. About Your Right to a FREE Annual Credit Report
The Fair and Accurate Credit Transaction Act signed into law on December 1,
2003, gives all Americans the right to check their credit report annually for
Click here for Fair Credit Reporting Act
Residents in the states of Tennessee, Mississippi, Alabama, Arkansas, Georgia, Kentucky, Louisiana, Texas, Florida, South Carolina and Oklahoma became eligible to
receive their free credit report on June 1, 2005.
Why not take advantage of this new law and request your free annual credit report? Check it for errors and make sure all the accounts on the report are yours.
You can order your free annual credit report online at
or by calling 877-322-8228, or by completing the Annual Credit Report Request Form and mailing it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
When you order, you will need to provide your name, address, Social Security Number, and date of birth.
Minimum Payment Affects Interest Expense
A handful of credit card issuers have increased minimum payments from 2% to 4% of the balance due. This table shows how minimum
payments affect not only the length of time it will take to pay off your balance, but also the amount of interest you will pay.
Length of time to pay off
7 years, 4 months
3 years, 9 months
Always pay the minimum amount due so you don't incur a late fee and, if
possible, pay more than the minimum. Also, if you don't already have
one, consider trading in the high-interest credit card for a lower-rate card from your credit union.
Assumptions: $2,000 balance; 18% Interest, these calculations also assume you add no more charges to the card.
Financial Highlights as of December 2018
Holiday Closings for 2019
Martin Luther King, Jr. Day - Monday, January 21
Presidents Day - Monday, February 18
Memorial Day - Monday, May 27
Independence Day - Thursday, July 4
Labor Day - Monday, September 2
Columbus Day - Monday, October 14
Veterans Day - Monday, November 11
Thanksgiving - Thursday, Nov. 28 & Friday, Nov. 29
Christmas - Tuesday, Dec. 24 & Wednesday, Dec. 25
New Year's Day - Wednesday, January 1, 2020