Credit Card Promotion

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0.00% APR on Balance Transfers with a
New KEMBA Visa!

Enjoy 0.00% APR* for 12 months on balance transfers** and 2% Cash Back on purchases made in the first 90 days!^

+ No balance transfer fees

• Rates starting at just 12.99% APR after the intro period

KEMBA Financial Credit Union Member Owner Visa Platinum Rewards Credit Card
  • 0% intro rate for 12 months on balance transfers made in the first 90 days
  • No balance transfer fee
  • The national average credit card rate is 21.92% APR, compared to our highest rate of 18.99% APR+
  • Earn up to 5.00% APY on your cash back rewards savings account
  • No annual fee
  • Tap to pay convenience for an easy and secure check out
If you have any questions about your credit card application, please call us at 614.235.2395 option 2, or email , and we’d be happy to help you through the process.

Choose an option below to get started!

Digital Banking users

Open KEMBA's Mobile App or log in to Digital Banking and select "Apply for a loan" on the menu or ☰.

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option 2

*APR=Annual Percentage Rate. *The 0.00% APR Introductory rate on balance transfers is valid for one year from the time new card is opened for balance transfers made within the first 90 days the card is open. Not valid on existing cards. Valid on new money transfers only, cannot transfer funds from existing KEMBA credit card(s) or loans. Offer not valid for current KEMBA credit card holders. When the promotional period ends, transferred balances remaining will revert to the prevailing APR based on your creditworthiness as disclosed at time of application (ranging from 12.99% APR to 18.99% APR). For example, open your card on 5.12.23, and pay 0.00% APR on balance transfers made within the first 90 days the card is open through 5.11.24; all balances as of 5.12.24 will revert to prevailing APR (ranging from 12.99% APR to 18.99% APR). The Prime Rate used to determine your APRs for purchases, balance transfers, and cash advances is the Prime Rate published in the Wall Street Journal on the twentieth (20th) calendar day of the previous calendar month. Refer to original Credit Card terms and conditions for prevailing rate for balance transfers, and rate that will be in affect at end of intro period (ranging from 12.99% APR to 18.99% APR). Promotional rate valid on Visa Platinum Rewards Card only. Eligibility and offered rate may vary based on creditworthiness. Minimum credit score of 635.
+According Wallet Hub for new credit card offers as of 3.20.2023.
^Earn 2% cash back on purchases for the first 90 days your card is open. Earn 1% cash back rewards on purchases thereafter. Intro rate balance transfers not eligible for cash back rewards. Cash back rewards paid only on balance transfers made in the first 90 days when prevailing rate is charged. Balance transfers are not eligible for cash back after the first 90 days card is open. Cash back rewards paid once per year into Rewards Savings account. You will receive 1 point for every $1 you spend. 100 points=$1 cash back. Account must be in good standing at time of payout. Minimum to receive reward is 2,500 points. Cash back offer subject to change without notice. APY=Annual Percentage Yield. Rewards Savings account rate of 5.00% APY for KEMBA Advantage members and 1.00% APY for non-Advantage members current as of 4.3.2023, and subject to change at any time. Visit our Advantage page at for Advantage Program details. KEMBA membership, with $5 primary savings deposit, required. Federally insured by the NCUA. Equal opportunity lender. Offer expires 6.30.2023.
Important information about your loan application:
A KEMBA membership is required before you can receive a loan. While you can complete and submit the online loan application prior to membership, we require that you join the Credit Union before your loan is funded. Click here to find out if you’re eligible for membership.

Online loan applicants must be at least 18 years old and U.S. Citizens. When you submit an online loan application you are authorizing KEMBA Financial Credit Union to obtain your consumer credit reports from national credit reporting agencies, and contact you via telephone, email, or mail in regards to your application. It is also important to note that information obtained by KEMBA from your loan application may be kept and maintained by the Credit Union for an indefinite period of time, and may be shared with business affiliates of the Credit Union for any lawful purpose.

USA Patriot Act
Customer Identification Program Notification: Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account, in order to help the government fight the funding of terrorism and money laundering activities. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
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A better way to finance your education! 

KEMBA offers low-rate student loans to fill the gaps between a federal loan and tuition, graduate student loans, and refinancing for both private and federal student loans
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