Visa Signature® Credit Card Offer

Customer tapping KEMBA Financial Visa credit card for secure, contactless payment and earning cash back rewards.
For a Limited Time:

Get 2% cash back on purchases & 0.00% APR on balance transfers for 15 months!























Make your card work for you!

Apply for a new Visa Signature® to enjoy travel perks and benefits, plus unlimited 1.5% cash back rewards on purchases, and a $200 cash back bonus!

KEMBA Financial Credit Union Signature VISA credit card.
  • Pay 0.00% APR¹ on credit card balance transfers made in the first 90 days for 15 months²
  • Get 2% cash back on purchases in the first 90 days the card is open³
  • Earn unlimited 1.5% cash back rewards on purchases after the initial 90 days*
  • Take advantage of exclusive Visa Signature® Credit Card Benefits & Perks
  • Rates starting at just 14.24% APR
  • No annual fee
  • Tap to pay convenience for an easy and secure check out
If you have any questions about your credit card application, please call us at 614.235.2395 option 2, or email service@kemba.org , and we’d be happy to help you through the process.

Choose an option below to get started!


Digital Banking users

Open KEMBA's Mobile App or log in to Digital Banking and select "Apply for a loan" on the menu or ☰.

Not a member or Digital Banking user?






























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800.282.6420
option 2

Disclosures
¹APR: Annual Percentage Rate.
 
²0.00% APR Offer: The 0.00% APR Introductory rate on balance transfers is valid for 15 months from the time a Visa Signature card is opened for balance transfers made within the first 90 days the card is open. The 0.00% introductory APR is not valid on purchases. A balance transfer fee of $5.00 or 3.0% of the total transferred balance, whichever is greater, applies at time of transfer with 15-month introductory rate. Not valid on existing cards. Valid on new money transfers only, cannot transfer funds from existing KEMBA credit card(s) or loans. Offer not valid for current KEMBA credit card holders. When the promotional period ends, transferred balances remaining will revert to the prevailing APR based on your creditworthiness as disclosed at time of application (ranging from 14.24% APR – 20.24% APR for Visa Signature).For example, open your card on 7.12.2025, and pay 0.00% APR on balance transfers made within the first 90 days the card is open through 10.11.2026; all balances as of 10.12.2026 will revert to prevailing APR (ranging from 14.24% APR – 20.24% APR for Visa Signature). The APRs for purchases, balance transfers, and cash advances are determined by the Prime Rate on the twentieth (20th) business day of the previous calendar month and subject to change on the first day of the monthly billing cycle. Refer to original Credit Card terms and conditions for prevailing rate for balance transfers that will be in affect at end of intro period (ranging from 14.24% APR – 20.24% APR for Visa Signature). Promotional rate valid on Visa Signature cards only. Eligibility and offered rate may vary based on creditworthiness. Minimum credit score of 635 required. Offer expires 10.31.2025.
 
³2% Cash Back Offer: Earn 2% cash back rewards on purchases made in the first 90 days. Intro rate balance transfers not eligible for cash back rewards. Cash back rewards paid only on balance transfers made in the first 90 days when prevailing rate is charged. Balance transfers are not eligible for cash back after the first 90 days card is open. Offer expires 10.31.2025. Not valid on existing cards.
 
*Standard Visa Signature Cash Back: 1.5% cash back rewards paid monthly at the end of each billing cycle. You will receive 1.5 points for every $1 you spend with your credit card. 100 points = $1.50 cash back. Account must be in good standing at time of payout. Rewards will be deposited into cardholder’s Primary Savings Account on the first of each month based on transactions the previous month. KEMBA will debit for returns and disputes when applicable. Cash back rewards applied on balance transfers in the first 90 days only.
 
KEMBA membership, with $5 primary savings deposit, required. Federally insured by the NCUA. Equal opportunity lender.
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.

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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Student Loans

A better way to finance your education! 

KEMBA offers low-rate student loans to fill the gaps between a federal loan and tuition, graduate student loans, and refinancing for both private and federal student loans
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