Credit union · Privately insured
KEMBA Indianapolis Credit Union Auto Loan Rates
KEMBA Indianapolis Credit Union auto loans start at 5.29% APR for a new vehicle and 5.29% for a used one. Rates checked October 15, 2026.
How KEMBA Indianapolis Credit Union’s auto loan rates compare
Compared with banks and credit unions near Indianapolis, IN, where KEMBA Indianapolis Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
KEMBA Indianapolis Credit Union
5.29%APR
- Terms
- 48–84 months
- Up to
- —
- Discount
- Included in the rate
New and Used Auto Loans
Lowest rate
Financial Center First
4.49%APR
- Terms
- —
- Up to
- —
- Discount
- None included
2nd-lowest rate
Indiana Members Credit Union
4.49%APR
- Terms
- 36–84 months
- Up to
- 6.74% APR
- Discount
- None included
KEMBA Indianapolis Credit Union auto loan score
76
Auto loan score
Higher than 40% of U.S. banks and credit unions
- New vehicleNew5.29%
- Used vehicleUsed5.29%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where KEMBA Indianapolis 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.
Motorcycle Loans
Rates include a 0.10% rate discount for automatic payment from a KEMBA checking account. Actual rate and term availability depend on credit score and loan term. All loans are subject to credit approval and underwriting criteria.
| Terms | APR | Conditions |
|---|---|---|
| 48–84 months | 9.39% | Applies to 2024 - current model year motorcycles. Rate includes a 0.10% rate discount for automatic payment from a KEMBA checking account. Actual rate depends on credit score and term of loan. |
| 48–60 months | 10.89% | Applies to 2019-2023 model year motorcycles. Rate includes a 0.10% rate discount for automatic payment from a KEMBA checking account. Actual rate depends on credit score and term of loan. |
| 48–60 months | 12.19% | Applies to 2018 and older model year motorcycles. Rate includes a 0.10% rate discount for automatic payment from a KEMBA checking account. Actual rate depends on credit score and term of loan. |
Sources (1)
- mykemba.org/loans · captured Oct 5, 2026
New and Used Auto Loans
Rates include a 0.10% rate discount for automatic payment from a KEMBA checking account. Actual rate and term availability depend on credit score and loan term. All loans are subject to credit approval and underwriting criteria. Membership is required.
| Terms | APR | Conditions |
|---|---|---|
| 48–84 months | 5.29% | Applies to 2024 - current model year vehicles. Rate includes a 0.10% rate discount for automatic payment from a KEMBA checking account. Actual rate depends on credit score and term of loan. |
| 48–72 months | 5.59% | Applies to 2019-2023 model year vehicles. Rate includes a 0.10% rate discount for automatic payment from a KEMBA checking account. Actual rate depends on credit score and term of loan. |
| 48–60 months | 8.39% | Applies to 2018 and older model year vehicles. Rate includes a 0.10% rate discount for automatic payment from a KEMBA checking account. Actual rate depends on credit score and term of loan. |
Who can join KEMBA Indianapolis Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.