*APR: Annual Percentage Rate.
**KEMBA Visa Platinum with Rewards 0.00% APR Offer: The 0.00% APR introductory rate on purchases is valid for 18 months from the time a Visa Platinum with Rewards card is opened for purchases made in the first 90 days the card is open. The 0.00% APR introductory rate on balance transfers is valid for 18 months from the time a Visa Platinum with Rewards card is opened for balance transfers made within the first 90 days the card is open. A balance transfer fee of $5.00 or 3.0% of the total transferred balance, whichever is greater, applies at time of transfer with 18-month introductory rate. 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. Visa Platinum with Rewards is a variable rate product. When the introductory period ends, purchases and transferred balances remaining will revert to the prevailing APR based on your creditworthiness as disclosed at time of application (currently ranging from 11.49% APR – 17.49% APR for Visa Platinum with Rewards). For example, open your card on 01.12.2026, and pay 0.00% APR on balance transfers and purchases made within the first 90 days the card is open through 07.11.2027; all balances as of 07.12.2027 will revert to prevailing APR (currently ranging from 11.49% APR – 17.49% APR for Visa Platinum with Rewards). The APRs for purchases, balance transfers, and cash advances are determined by the Prime Rate on the twentieth (20th) business day of the previous calendar month and subject to change on the first day of the monthly billing cycle. No annual fee. Introductory rate valid on Visa Platinum with Rewards Cards only. Eligibility and offered rate may vary based on creditworthiness. Minimum credit score of 600 required for the Visa Platinum with Rewards offer. Offer expires 03.31.2026.
***KEMBA Visa Signature 0.00% APR Offer: The 0.00% APR introductory rate on balance transfers is valid for 18 months from the time a Visa Signature® card is opened for balance transfers made within the first 90 days the card is open. The 0.00% introductory APR is not valid on purchases. A balance transfer fee of $5.00 or 3.0% of the total transferred balance, whichever is greater, applies at time of transfer with 18-month introductory rate. 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. Visa Signature is a variable rate product. When the introductory period ends, purchases and remaining transferred balances will revert to the prevailing APR based on your creditworthiness as disclosed at time of application (currently ranging from 13.49% APR – 19.49% APR for Visa Signature). For example, open your card on 11.12.2025, and pay 0.00% APR on balance transfers made within the first 90 days the card is open through 02.11.2027; all balances as of 02.12.2027 will revert to prevailing APR (currently ranging from 13.49% APR – 19.49% APR for Visa Signature). The APRs for purchases, balance transfers, and cash advances are determined by the Prime Rate on the twentieth (20th) business day of the previous calendar month and subject to change on the first day of the monthly billing cycle. No annual fee. Introductory rate valid on Visa Signature cards only. Eligibility and offered rate may vary based on creditworthiness. Minimum credit score of 635 required for the Visa Signature offer. Offer expires 03.31.2026.
§Cash Back Bonus: To qualify to earn $300 cash back bonus, you must make aggregate purchases greater than or equal to $3000 in the first 90 days card is open. Balance transfers do not apply toward the $3000 spend. The cash back bonus will be deposited into the Primary Savings account of the Primary Member’s account by the end of the next month following qualification. For example, open your card on 01.26.2026 and make $3000-plus in purchases by 02.7.2026. The cashback would be deposited by 3.31.2026. Not valid on existing cards. Account must be in good standing at time of payout to receive bonus. Good standing is defined as having no loans or shares in delinquency or with negative balances. Visa Signature Credit Card must remain open to receive payout. Offer ends 03.31.2026.
^KEMBA Financial Credit Union cardholders are responsible for the payment of any and all charges associated with any goods, services, reservations or bookings purchased or arranged by the Visa Signature Concierge on cardholders’ behalf. Any such purchases or arrangements are solely between the cardholder and the respective merchant, and Visa is not a party to the transaction. All goods and services subject to availability. See full terms of service at https://usa.visa.com/supporting-info/concierge-terms.html. In cases where one of the benefits is not available at a hotel, the hotel may provide a substitute benefit of equal value. Some hotels may provide one of the benefits as a standard feature of the room being booked. In those cases, the hotel may or may not provide a substitute benefit of equal value. Resort fees that cover any of the benefits are not reimbursable. Reservations must be booked either on a Visa Signature Luxury Hotel Collection website or through Visa Concierge for benefits to apply. Please consult the terms and conditions for each property. Certain restrictions and limitations apply. Benefits vary at select Sonoma County wineries and are subject to change at any time. Go to kemba.org/signature-benefits for full details.
1 Standard Visa Platinum with Rewards Cash Back: 1% cash back rewards paid once per year in February into Rewards Savings account. Intro rate balance transfers not eligible for cash back. You will receive 1 point for every $1 you spend with your credit card. Cash back points awarded for balance transfers made within the first ninety (90) days your Platinum Rewards account is open only when the prevailing rate is charged. 100 points = $1 cash back. Account must be in good standing at time of payout to receive rewards. Good standing is defined as having no loans or shares in delinquency or with negative balances. Visa Platinum with Rewards Credit Card must remain open to receive payout. Minimum to receive Annual Payout is 2,500 points. 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 01.01.2026, and subject to change at any time. Visit our Advantage page at kemba.org for Advantage Program details.
2 Standard Visa Signature Cash Back: 1.5% cash back rewards paid monthly at the end of each billing cycle. You will receive 1.5 points for every $1 you spend with your credit card. 100 points = $1.50 cash back. Account must be in good standing at time of payout. Good standing is defined as having no loans or shares in delinquency or with negative balances. Visa Signature Credit Card must remain open to receive payout. Cash back points awarded for balance transfers made within the first ninety (90) days your Visa Signature account is open only when the prevailing rate is charged. Rewards will be deposited into cardholder’s Primary Savings Account on the first of each month based on transactions the previous month.
For all Visa rewards credit cards, cash back rewards applied on balance transfers in the first 90 days only, not valid during balance transfer promotions. KEMBA will debit for returns and disputes when applicable.
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. KEMBA is an equal opportunity lender.
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.
