KEMBA Home Equity Line-of-Credit Application


Thank you for your interest in applying for a home equity line-of-credit (HELOC) with KEMBA Financial Credit Union. To complete the HELCO online application you’ll need:

  • Your Social Security Number
  • Your personal information (including address)
  • Your employment and income information
  • Co-applicant information, if applicable


The application can be completed in approximately five minutes by following these quick and easy steps:

  1. Enter loan information
  2. Enter applicant information
  3. Enter joint applicant information (if applicable)
  4. Review your information
  5. Read and accept disclosures and submit application


Once your HELOC application is submitted, you will receive an online approval or referral within seconds, and we will be contacting you today or the next business day, at the latest, with additional details.

Your HELOC application will be finalized with a closing at one of our conveniently located KEMBA branches in Central Ohio.


Continue with application


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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