Congratulations!
You're pre-qualified for a HELOC from KEMBA!*

*You received this offer because you satisfied the criteria of creditworthiness we used to screen persons for this offer. This pre-approved credit offer may not be extended if: (1) you no longer meet the minimum credit score and payment criteria used to select you for this offer; (2) you are delinquent on a loan or not in good standing with KEMBA Financial Credit Union; (3) we are unable to verify your income or employment; (4) your income in our opinion and according to our established criteria is not sufficient to repay the credit offered; or (5) the collateral does not meet our lending guidelines.

**APR = Annual Percentage Rate. Home Equity Lines-of-Credit (HELOCs) are variable rate products. Introductory rate of 1.99% APR for first 90 days. At the end of 90 days, rate can change quarterly based on the most recent Prime Rate published in the Wall Street Journal on the 20th day of the calendar month before the date of any APR adjustment. Current rates range from 3.25% – 7.74% APR (Prime + Margin -0.26 to 5.49). KEMBA Advantage rate as low as 3.25% APR and everyday rate as low as 3.75% APR include auto pay discount of 0.25% with a loan amount greater than $35,000. Rates accurate as of 5.1.2020 and are subject to change based on market conditions and borrower eligibility. Maximum APR is 18.00%. Minimum loan amount of $10,000. Minimum monthly payment is 1% of the balance or $100, whichever is greater. $250 reimbursement fee applies if HELOC is cancelled within the first 36 months. Up to 95% current loan-to-value with home value of $100,000 or greater. Consult a tax advisor regarding interest being tax deductible. Loans subject to approval. Individual APR may vary based on your creditworthiness and participation in the KEMBA Advantage Program. Existing KEMBA loans are not eligible for this offer. KEMBA membership required. Additional terms and conditions may apply. Offer valid through 07.19.2020. For Advantage program qualifications, click here, or call 614.235.2395, option 4.