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. Visa Signature cash back rewards will be deposited into cardholder’s Primary Savings Account on the first of each month based on transactions the previous month. Offer expires 10.31.2025.
*Standard Visa Signature Cash Back: After the first 90 days, the cash back on purchases will revert to the standard 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. Good standing is defined as having no loans or shares in delinquency or with negative balances. Cash back points awarded for balance transfers made within the first ninety (90) days your Visa Signature account is open only when the prevailing rate is charged. Rewards will be deposited into cardholder’s Primary Savings Account on the first of each month based on transactions the previous month.
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.
