Credit union · NCUA insured
Kemba Credit Union Credit Card Rates
Kemba Credit Union credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Kemba Credit Union’s credit card rates compare
Compared with banks and credit unions near Cincinnati, OH-KY-IN, where Kemba Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Kemba Credit Union
9.90%APR
- Up to
- —
Visa Platinum
Lowest rate
Whitewater Community Credit Union
7.90%APR
- Up to
- 9.90% APR
2nd-lowest rate
Christian Family Credit Union
8.90%APR
- Up to
- —
Kemba Credit Union credit card score
84
Credit card score
Higher than 65% of U.S. banks and credit unions
- Purchase APRPurchase APR9.90%
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 credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Firefighters Visa
Approval is based upon credit worthiness. 25-day grace period.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.90% | None | No annual fee. 25-day grace period. Approval based upon credit worthiness. |
Sources (1)
- kemba.com/borrow/visa-credit-cards.html · captured Oct 7, 2026
Visa (Variable)
Variable rate based on Prime + 6.99%. Approval is based upon credit worthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.74% | None | Variable rate: Prime + 6.99% (Prime Rate 6.75% as of 01/19/2026). |
Sources (1)
- kemba.com/tools/rates.html · captured Oct 7, 2026
Visa Gold
Variable rate based on Prime + 4.74%. Approval is based upon credit worthiness. 25-day grace period.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.49% | None | Variable rate: Prime + 4.74% (Prime Rate 6.75% as of 01/19/2026). No annual fee. 25-day grace period. |
Sources (2)
All captured Oct 7, 2026
Visa Platinum
Approval is based upon credit worthiness. 25-day grace period.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | No annual fee. 25-day grace period. Approval based upon credit worthiness. |
Sources (2)
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This may be incomplete or out of date, so check with the credit union before you apply.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.