Credit union · NCUA insured
KEMBA Financial Credit Union Auto Loan Rates
KEMBA Financial Credit Union auto loans start at 5.54% APR for a new vehicle and 5.54% for a used one. Rates checked October 16, 2026.
How KEMBA Financial Credit Union’s auto loan rates compare
Compared with banks and credit unions near Columbus, OH, where KEMBA Financial Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
KEMBA Financial Credit Union
5.54%APR
- Terms
- up to 84 months
- Up to
- —
- Discount
- None included
KEMBA Auto Loan
Lowest rate
Homeland Credit Union
4.19%APR
- Terms
- up to 66 months
- Up to
- 16.99% APR
- Discount
- None included
2nd-lowest rate
Abbott Laboratories Employees Credit Union
4.24%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
KEMBA Financial Credit Union auto loan score
72
Auto loan score
Higher than 30% of U.S. banks and credit unions
- New vehicleNew5.54%
- Used vehicleUsed5.54%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where KEMBA Financial 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 Loan Refinance
Refinance car loan repayment terms up to 84 months. No payments for 90 days (interest accrues during deferral). Minimum loan amount of $5,000 required for the 1.00% promotional rate discount. Loan must be refinanced from another financial institution with a 6-month payment history established. Existing KEMBA loans, cash-out refinances, business auto loans, motorcycles, boats, and recreational vehicles are excluded. KEMBA membership with $5 primary savings deposit required. Offer ends and loan must be funded on or before 2026-10-31.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.54% | Model year 2023 & Newer. KEMBA Advantage status rate. APR based on a $20,000 loan with a $124 doc prep fee amortized over 51 months. |
| up to 84 months | 6.04% | Model year 2023 & Newer. Everyday rate. APR based on a $20,000 loan with a $124 doc prep fee amortized over 51 months. |
| up to 84 months | 6.79% | Model year 2020-2022. KEMBA Advantage status rate. APR based on a $20,000 loan with a $124 doc prep fee amortized over 51 months. |
| up to 84 months | 7.29% | Model year 2020-2022. Everyday rate. APR based on a $20,000 loan with a $124 doc prep fee amortized over 51 months. |
| up to 84 months | 7.04% | Model year 2019 & Older. KEMBA Advantage status rate. APR based on a $20,000 loan with a $124 doc prep fee amortized over 51 months. |
| up to 84 months | 7.54% | Model year 2019 & Older. Everyday rate. APR based on a $20,000 loan with a $124 doc prep fee amortized over 51 months. |
KEMBA Auto Loan
KEMBA membership required with $5 primary savings deposit before loan is funded. Vehicle age tier dictates base rate. Advantage Program status reduces rates. Repayment terms up to 84 months. No payments for 90 days. Finance charges calculated using daily balance method.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.54% | 2023 & Newer vehicle. Advantage Program rate. APR based on $20,000 loan with $124 doc fee amortized over 51 months. |
| up to 84 months | 6.04% | 2023 & Newer vehicle. Everyday rate. APR based on $20,000 loan with $124 doc fee amortized over 51 months. |
| up to 84 months | 6.79% | 2020-2022 vehicle. Advantage Program rate. APR based on $20,000 loan with $124 doc fee amortized over 51 months. |
| up to 84 months | 7.29% | 2020-2022 vehicle. Everyday rate. APR based on $20,000 loan with $124 doc fee amortized over 51 months. |
| up to 84 months | 7.04% | 2019 & Older vehicle. Advantage Program rate. APR based on $20,000 loan with $124 doc fee amortized over 51 months. |
| up to 84 months | 7.54% | 2019 & Older vehicle. Everyday rate. APR based on $20,000 loan with $124 doc fee amortized over 51 months. |
Sources (1)
- kemba.org/personal/borrowing/auto-loans · captured Oct 16, 2026
Who can join KEMBA Financial Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in specified Ohio counties are eligible for membership.
Employers and groups
- Employees of partner companies are eligible for membership.
Family and household
- Individuals who have a family member currently belonging to KEMBA Financial Credit Union are eligible for membership.
Cost to join
- Membership is established with an initial $5 deposit into a Primary Savings Account.
Membership information collected October 5, 2026.