Credit union · NCUA insured
Kemba Credit Union Auto Loan Rates
Kemba Credit Union auto loans start at 5.39% APR for a new vehicle and 5.39% for a used one. Rates checked October 16, 2026.
How Kemba Credit Union’s auto loan rates compare
Compared with banks and credit unions near Cincinnati, OH-KY-IN, where Kemba Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Kemba Credit Union
5.39%APR
- Terms
- up to 63 months
- Up to
- —
Auto Loans
Lowest rate
Delta Community Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- 14.39% APR
2nd-lowest rate
Cincinnati Interagency Federal Credit Union
4.24%APR
- Terms
- —
- Up to
- —
Kemba Credit Union auto loan score
76
Auto loan score
Higher than 40% of U.S. banks and credit unions
- New vehicleNew5.39%
- Used vehicleUsed5.39%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Kemba Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loans
Available for new or used vehicles. Subject to credit approval. Kemba refinances do not apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 5.39% | Model years 2023 - 2026 (table lists 2025-2026). Minimum credit score of 750+ required. New money only; Kemba refinances do not apply. |
Sources (3)
- kemba.com/borrow/personal-loans
- kemba.com/borrow/personal-loans/auto-loans.html
- kemba.com/tools/rates.html
All captured Oct 7, 2026
Who can join Kemba Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live or work in specified Indiana counties (Dearborn, Fayette, Franklin, Rush, Union, Wayne, or Wells) are eligible.
- Persons who live, work, worship, or attend school in specified Kentucky counties (Boone, Campbell, Carroll, Gallatin, Grant, Kenton, Owen, or Pendleton) are eligible.
- Persons who live, work, worship, or attend school in specified Ohio counties (Adams, Brown, Butler, Clark, Clermont, Clinton, Darke, Fayette, Greene, Hamilton, Highland, Miami, Montgomery, Preble, or Warren) are eligible.
Employers and groups
- Employees of any of the more than 600 partner companies are eligible for membership.
Family and household
- Immediate family members of an existing Kemba Credit Union member are eligible to join.
Other ways
- Anyone who lives in the Greater Cincinnati area and holds a Kroger Plus Card (or whose local Kroger store is in Northern Kentucky or Southeast Indiana) is eligible to join.
Cost to join
- Membership requires maintaining a $5 minimum balance in a savings account.
Membership information collected October 5, 2026.