Loan and Card Rates

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Our smaller numbers can make a big difference


Life is expensive. So is buying a house. Or a car. Or paying for higher education. At KEMBA, we help keep your costs under control by offering competitively low rates on our auto loans, mortgages, home equity solutions, personal loans, and credit cards.


Rates effective as of November 22, 2022.

Loan Rates

Automobiles


Year KEMBA Advantage
Rate as low as (Rate)
KEMBA Advantage
Rate as low as (APR)
Everyday Rate as low as (Rate) Everyday Rate as low as (APR)
2022-2019 5.74% 6.04% 6.24% 6.54%
2018-2016 7.24% 7.54% 7.74% 8.04%
2015-Older 7.49% 7.79% 7.99% 8.29%
AUTO LOANS: APR=Annual Percentage Rate. Rates are subject to change without notice and may vary due to factors specific to each loan. APRs may vary based upon creditworthiness and Advantage status. Click here for more on qualifying for Advantage status. Finance charges are calculated using the daily balance method. Rates may vary based on one or more of the following: credit rating, age and/or value of collateral (if any), document prep fee, and term of loan. APRs shown are based on a $20,000 loan with a $124 doc prep fee. Document prep fee may vary. Vehicle loans are amortized over 51 months.

Boats/RVs


Year Term KEMBA Advantage
Rate as low as (Rate)
KEMBA Advantage
Rate as low as (APR)
Everyday Rate as low as (Rate) Everyday Rate as low as (APR)
2022-2019 Up to 120 months 8.49% 8.80% 8.89% 9.30%
2018-Older Up to 96 months 9.49% 9.80 % 9.99 % 10.30 %
BOATS/RV LOANS: APR=Annual Percentage Rate. Rates are subject to change without notice and may vary due to factors specific to each loan. APRs may vary based upon creditworthiness and Advantage status. Click here for more on qualifying for Advantage status. Finance charges are calculated using the daily balance method. Rates may vary based on one or more of the following: credit rating, age and/or value of collateral (if any), document prep fee, and term of loan. APRs shown are based on a $20,000 loan with a $124 doc prep fee. Document prep fee may vary. Vehicle loans are amortized over 51 months.
 
Rates effective as of November 7, 2022.
 

Undergraduate Student Loans


Maximum Credit Line Everyday APR as Low as
$50,000 Variable 5.74%
$50,000 Fixed
7.24%
UNDERGRADUATE STUDENT LOANS: APR=Annual Percentage Rate. Rates are subject to change without notice and may vary due to factors specific to each loan. APRs may vary based upon creditworthiness and Advantage status. Click here for more on qualifying for Advantage status. Finance charges are calculated using the daily balance method. Rates may vary based on credit rating, age and/or value of collateral (if any), and term of loan. Loans over $50,000 will be reviewed on a case-by-case basis.

Student Loan Refinancing


Maximum Loan Amount Available Terms Everyday APR as Low as
$50,000 10-Year Fixed Rate 5.74%
$50,000 15-Year Fixed Rate 6.74%
$50,000 10-Year Variable Rate 5.24%
$50,000 15-Year Variable Rate 5.49%
STUDENT LOAN REFINANCING: APR=Annual Percentage Rate. Rates are subject to change without notice and may vary due to factors specific to each loan. APRs may vary based upon creditworthiness and Advantage status. Click here for more on qualifying for Advantage status. Finance charges are calculated using the daily balance method. Rates may vary based on credit rating, age and/or value of collateral (if any), and term of loan. Loans over $50,000 will be reviewed on a case-by-case basis.

 

Signature/Personal Loans


Loan Product Minimum Amount KEMBA Advantage
Rate as low as (Rate)
KEMBA Advantage
Rate as low as (APR)
Everyday Rate as low as (Rate) Everyday Rate as low as (APR)
Closed End Fixed Rate $500 8.49% 8.91% 8.99% 9.41%
SIGNATURE/PERSONAL LOANS: APR=Annual Percentage Rate. Rates are subject to change without notice and may vary due to factors specific to each loan. APRs may vary based upon creditworthiness and Advantage status. Click here for more on qualifying for Advantage status. Finance charges are calculated using the daily balance method. Rates may vary based on credit rating, age and/or value of collateral (if any), and term of loan. APRs shown are based on a 36-month term.

Rates effective as of November 7, 2022.
 

Visa Platinum Rewards Credit Card


Variable Rate Card Minimum Limit APR as Low as
Visa Platinum Rewards $500 11.74%
KEMBA Visa Platinum Rewards Credit Card: APR=Annual Percentage Rate. Rates are subject to change without notice and may vary due to factors specific to each loan. APRs may vary based upon creditworthiness and Advantage status. Click here for more on qualifying for Advantage status. Finance charges are calculated using the daily balance method. 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. Eligibility and offered rate may vary based on creditworthiness. View a copy of KEMBA’s Visa Platinum Rewards Credit Card Agreement.

Rates effective as of November 7, 2022.
 

Home Equity Line-of-Credit

Variable Rate Home Equity Line-of-Credit


Approved Credit Line KEMBA Advantage APR as low as Everyday APR as Low as Monthly Payment
≥ $35,000 7.00% 7.50% $100
< $34,999 7.24% 7.74% $100
HOME EQUITY LINE-OF-CREDIT (HELOC): APR=Annual Percentage Rate. Rates are subject to change without notice and may vary due to factors specific to each loan. APRs may vary based upon creditworthiness and Advantage status. KEMBA Advantage members have 0% origination fee. Click here for more on qualifying for Advantage status. Finance charges are calculated using the daily balance method. Home equities and mortgage loans may be subject to additional fees for loans with credit scores less than 675, terms greater than 10 years, LTV’s greater than 80%, and loan amounts greater than $200,000. Minimum monthly payment is 1% of the balance or $100, whichever is greater. Rate can change quarterly based on the Prime Rate as reported in the Wall Street Journal on the 20th day of the month preceding the date of any annual rate adjustment. Maximum APR is 18 percent.



Mortgage Loans



MORTGAGE LOANS: APR=Annual Percentage Rate. Rates are subject to change without notice and may vary due to factors specific to each loan. APRs may vary based upon creditworthiness and Advantage status. Click here for more on qualifying for Advantage status. Finance charges are calculated using the daily balance method. Rates apply to a maximum loan amount of $510,400. Amounts higher than this will be reviewed on a case by case basis. Property that is listed “For Sale” will generally not be accepted for Mortgage Loans. Home equities and mortgage loans may be subject to additional fees for loans with credit scores less than 675, terms greater than 12 years, LTV’s greater than 80%, and loan amounts greater than $250,000.

12-, 15-, 20- and 30-Year Fixed Rate Mortgage Assumptions: APR based on $150,000 loan and 30% down payment with the disclosed rates and terms.

3/1, 5/1, and 7/1 Adjustable Rate Mortgage (ARMs) Assumptions: APR based on $150,000 loan and 30% down payment with the disclosed rates and terms over 360 months.






















Deposit Rates
We also have competitive deposit rates on Money Market, Certificates, Checking, Savings, and Health Savings Account (HSA) options.
 










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