Build a brighter future
with the equity in your home

Home Loans

For a limited time enjoy a 1.99% APR introductory rate for 3 months on your home equity line-of-credit!* Plus…

  • No annual fees
  • No closing costs
  • Rates as low as 5.24% APR after intro period


With a home equity line-of-credit, you can you can borrow against the equity in your home as often as you need to with easy access to the funds, for example:

  • Consolidate bills
  • Make home improvements
  • Send your child to college
  • Establish emergency savings for the unexpected
  • Access your HELOC anytime, anywhere with KEMBA's Online or Mobile Banking
  • And more

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 5.24% – 9.99%APR (Prime + Margin -0.26 to 5.49). KEMBA Advantage rate as low as 5.24%APR and everyday rate as low as 5.74%APR include auto pay discount of 0.25% with a loan amount greater than $35,000. Rates accurate as of 2.1.19 and are subject to change. Maximum APR is 18.00%. 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 4.13.19. For Advantage program qualifications, visit, or call 614.235.2395, option 4.


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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