Personal Lending

A Mom and Dad looking at their baby while the Mom is holding it.

A better way to
reach your dreams.

You have a dream; KEMBA Financial Credit Union can help you achieve it.

We offer a variety of personal lending and loan products which can help you leap life's hurdles and embrace everything it has to offer. Rely on our expert financial guidance to help you navigate your current financial situation and help you uncover ways to make your money work for you.

Vehicle loans

Auto Loans

Get pre-approved for an auto loan before you shop for a new or pre-owned car and put yourself in a better position to negotiate at the dealership rather than haggling over payments and interest rates.

  • Financing for new and used vehicles of all types
  • Competitive interest rates with exclusive Advantage discount
  • Flexible repayment periods

Fixed-Rate loans

Personal Loans

Whether it’s securing cash to maintain living expenses or preparing for a large purchase or life event, this could be the solution you need.

  • Low, fixed rates
  • Exclusive Advantage rate discount
  • No payment for 90 days

Grad, Undergrad and Refi

Student Loans

Wherever you are on your college journey, KEMBA offers student loan options, plus a lot of helpful information about all the expense that come with college life.
  • Low interest rates
  • Zero origination or payoff fees
  • Flexible repayment options
home loans

Mortgage Loans

Whether it’s a new home purchase or a refinance, KEMBA Financial Credit Union offers both traditional and adjustable-rate mortgages to meet your needs.
  • Competitive rates
  • Fixed-rate and adjustable-rate home loans
  • Choice of multiple repayment periods
Equity into cash

Home Equity Loans

A home equity loan is a great way to turn your home’s equity into cash. At KEMBA Financial Credit Union, our Home Equity products come with low rates, expert guidance, and unlimited possibilities.
  • Competitive rates
  • Loan amount depends on the equity you have in your home
  • Funds can be used for almost any purpose
rewards credit cards

Credit Cards

KEMBA Financial Credit Union's Platinum Rewards Visa® and Visa Signature® Credit Cards deliver everything you want in a credit card – low everyday rates, no annual fees, and cash back rewards on purchases.
  • Everyday low rates
  • No annual fees
  • Cash back rewards

Learn More About Loans

To learn more about KEMBA's loan products, please complete the fields below and a KEMBA Member Service representative will be in touch to help you get started.


Speak With Our Experts

Actual rates may vary based on creditworthiness, and method of payment. Finance charges are calculated using the daily balance method. Interest will accrue during deferral period and will increase the total amount to repay the loan. Minimum loan amount is $500. $50 pre-payment penalty may apply. KEMBA reserves the right to change the KEMBA Advantage program at any time. KEMBA membership required. Federally insured by NCUA.

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