KEMBA offers a variety of loans at competitive rates and convenient terms.
All rates and terms are subject to change without notice. Loan rates and terms are based on credit rating, value of collateral (if applicable) and term chosen.
Loan Application & Process
To apply for a loan, complete our Loan Request (click below) and forward
to the credit union by email, fax, U.S. mail, or personally along with your
latest payroll stub. A loan officer will then review your application, along
with your credit report, and contact you with a decision, usually within 24
KEMBA offers low-cost payment protection plans. Payment protection covers your loan payment in the event of death or disability resulting from illness or accident.
Payments toward your loan can be made by ACH, automatic transfer, payroll deduction, mail, or in person.
No charge for early loan payoffs!
New/Used Vehicle Loans
We offer a range of low interest loans for both new and used vehicles. Financing up to 100% of the purchase price of new vehicles or NADA retail on used vehicles to qualified members. Taxes, title, and warranty included.
Share Secured Loans
Our lowest rate loans that are secured by a savings account or share certificate. Interest will still be earned on these accounts. As the loan is paid down, those funds become available for withdrawal.
These are great loans for young adults trying to establish credit.
Other Collateral New/Used Loans
Up to 100% financing on new and NADA wholesale value on used to qualified members. This includes boats, motorcycles, and campers.
Unsecured loans that are available for any purpose. Maximum amount available is $5000.00 and is based on income, credit and ability to repay. Terms up to two years.
Home Equity Line of Credit
A line of credit borrowed against your home. Please call the credit union about terms and conditions.
Small unsecured loans that are offered at certain times of the year. Terms and conditions vary depending on the type of loan. Contact the credit union for further details and watch for them in
VISA Credit Card
As a member of KEMBA, you may apply for a VISA card. Our VISA does not have an annual fee or cash advance fee and has a low 13.8% interest rate. Pay off your balance with a 25 day grace period and you will not be charged interest. If you currently have a VISA of Mastercard with a higher rate we encourage you to transfer that balance over to your KEMBA VISA.
Visa Credit Card Disclosure
Online Credit Card Info is available for KEMBA members - www.eZCardInfo.com
This site allows you access to:
- Current account information such as account balance, available credit, credit limit and cash advance limit.
- Payment information such as amount due and last payment received.
- A list of the last 10 transactions posted since your last statement.