Low Rates & Cash Back!

Vehicle Loans

Save with a KEMBA Auto Loan

Refinance your car!


1% cash back up to $500 paid the next day

• Rates starting at 2.24%APR

• No payments for 90 days

Benefits to refinancing your car

Turn the equity in your car into cash! Use it for emergency funds, cash for a large purchase, to consolidate higher-rate debts, and more. By taking the age of the vehicle and how much you owe into account, we can help you determine the equity available to you and the best way for you to use it to improve your financial situation. Or, take the opportunity to lower your rate and pay your car off sooner so you can save money each month!


Let’s talk . . .

For more information about auto loans and auto loan refinancing, please contact a member service representative at 800.282.6420, option 2.


Apply Now

Rates valid as of 1.1.22 for up to 51-month term. APR = Annual Percentage Rate. Document preparation fee of $124 waived on loans with 51-month term. Loans subject to credit qualifications and approval. APR will vary based on credit score, loan-to-value, age of vehicle, KEMBA Advantage status, payment method, and document preparation fee. Interest will accrue during deferral period and will increase the total amount to repay the loan. 1% cash back up to $500 available on vehicle refinances only, new money only, existing KEMBA loans are not eligible. Business auto loans excluded. Cash back will be deposited into Primary Savings Account prior to 11:59:59 p.m. the next business day following the loan funding. Loan must be funded on or before 3.31.22 to receive the payout. Payout amount is dependent on amount financed. For example: If you finance a $20,000 auto, you will receive a $200 payout. Cash back will be treated as a dividend payout and is taxable. Please consult a tax advisor to determine how cash back will affect your tax obligations. Visit our Advantage page at kemba.org for Advantage Program details. KEMBA membership, with $5 primary savings deposit, required. Federally insured by the NCUA. Offer ends 3.31.22. Offer subject to change at any time. Visit kemba.org for details.

Compare checking accounts

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