Pay 0% interest for 12 months
+ Cash Back Rewards!

Pay 0.00%APR* for 12 months on balance transfers AND purchases AND earn cash back!**

+ RATES STARTING AT JUST 7.99%APR*** AFTER THE INTRO RATE!

Open a new Visa today and you could save hundreds, maybe even thousands of dollars, by transferring high-rate credit card balances. For example: you could save $1200 in one year when compared to store credit cards, and $900 versus a traditional credit card!^ Compare our rates to traditional bank cards!

 

 

Apply Now

 

  • 1% Cash back rewards on purchases+
  • Earn up to 5.00%APY on your rewards savings account++
  • No annual fee
     

If you have any questions about your credit card application, please call us at 614.235.2395 option 2, or email service@kemba.org, and we’d be happy to help you through the process.

*APR=Annual Percentage Rate.

 

**The 0.00% APR Introductory rate is valid for one year from the time new card is opened on purchases.The 0.00% APR Introductory rate 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, purchase balances will revert to the prevailing APR based on your creditworthiness as disclosed at time of application. For example, open your card on 8.12.20, and pay 0.00% APR on purchases for the first 12 months, and balance transfers made within the first 90 days the card is open through 8.11.21; all balances as of 8.12.21 will revert to prevailing APR. Balance transfer fee of 3.0% or $5.00, whichever is greater, of the total transferred balance applies at time of transfer with 12-month introductory rate. 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. Promotional rate valid on Visa Platinum Rewards Card only. Eligibility and offered rate may vary based on creditworthiness. Minimum credit score of 675. Earn 1% cash back rewards on purchases. +1% cash back rewards paid once per year. You will receive 1 point for every $1 you spend with your credit card. Cash back rewards on balance transfers do not apply with this offer. 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 7.15.2020, and subject to change at any time. Visit our Advantage page for Advantage Program details. KEMBA membership required. Federally insured by the NCUA. Offer expires 11.04.2020.

 

^Savings based on KEMBA’s 0.00% APR introductory offer compared to average store card rate of 25.70% APR as reported in Q3 by Wallet Hub, an average traditional card rate of 19.24% as reported by Wallet Hub, and an average household credit card balance of $8398 as reported in June 2019 by the Federal Reserve.


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. KEMBA membership is required.

 

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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Hassle-Free C... High Performa... Fresh Start
Tiered interest rates No No
Earn monthly dividends No No No
Free rewards package No No No