KEMBA Financial Credit Union Credit Card Rates

How KEMBA Financial Credit Union’s credit card rates compare

Compared with banks and credit unions near Columbus, OH, where KEMBA Financial Credit Union has the most branches. Ongoing purchase APR, lowest first.

This credit union’s lowest
KEMBA Financial Credit Union
11.74%APR
Up to
17.74% APR
Visa Platinum Rewards
Lowest rate
Scott Associates Credit Union Inc
8.99%APR
Up to
15.99% APR
Scott Associates Credit Union Inc rates
2nd-lowest rate
State Highway Patrol Federal Credit Union
8.99%APR
Up to
—
State Highway Patrol Federal Credit Union rates

Compare credit card rates near you →

75

Credit card score

Higher than 38% of U.S. banks and credit unions

By rate

Purchase APRPurchase APR11.74%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where KEMBA Financial 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.

Visa Platinum Rewards

KEMBA membership with $5 primary savings deposit required. Minimum credit score of 600 required for introductory promotion. Variable APR based on the Prime Rate published in the Wall Street Journal on the 20th calendar/business day of the previous month. $500 minimum credit limit.

Applies to	APR	Annual fee	Conditions
Ongoing	11.74%–17.74%	None	Standard variable APR based on creditworthiness (ranging from 11.74% to 17.74%). Minimum credit limit of $500. No annual fee.
Intro, 18 months	0.00%	None	Introductory 0.00% APR for 18 months on balance transfers made within the first 90 days of account opening when paid in full; balance transfer fee of $5.00 or 3.0% applies. Not valid on existing cards or loans. Reverts to prevailing APR (11.74% to 17.74%) after 18 months. Offer expires 10.31.2026.

Sources (7)

All captured Oct 6, 2026

Visa Signature

KEMBA membership with $5 primary savings deposit required. Minimum credit score of 635 required for introductory promotion. Variable APR based on the Prime Rate published in the Wall Street Journal on the 20th calendar/business day of the previous month. $500 minimum credit limit.

Applies to	APR	Annual fee	Conditions
Ongoing	13.74%–19.74%	None	Standard variable APR based on creditworthiness (ranging from 13.74% to 19.74%). Minimum credit limit of $500. No annual fee.
Intro, 18 months	0.00%	None	Introductory 0.00% APR for 18 months on balance transfers made within the first 90 days the card is open when paid in full; balance transfer fee of $5.00 or 3.0% applies. Not valid on existing cards or loans. Reverts to prevailing APR (13.74% to 19.74%) after 18 months. Offer expires 10.31.2026.

Sources (6)

All captured Oct 6, 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.

Check membership requirements ↗Branches and institution details