After connecting to the RTP^® network in 2024 and the FedNow^® Service in 2025, KEMBA now offers immediate payments that give members instant access to their funds—24/7/365.  

In this new CU Spotlight feature, Interim Chief Operating Officer Gretchen Bartholomew shares why immediate payments have become a strategic priority and how her credit union is navigating this transformative shift. 

The article features Gretchen’s answers to the following questions:  

• Why did KEMBA Financial Credit Union decide to implement immediate payments on the RTP network and FedNow Service?
• What have you learned from implementing immediate payments at your credit union?
• When you first started thinking about connecting KEMBA Financial Credit Union to the RTP network and later to the FedNow Service, what concerns did you have?
• What are you seeing at your credit union now that you have been live on the RTP network and FedNow Service?
• What differences and similarities are you seeing between the RTP network and FedNow Service?
• Have you experienced any fraud on either payment rail?
• What impact has the implementation of immediate payments had on day-to-day operations and liquidity management?

Read the full article here.