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KEMBA Financial Credit Union auto loan rates compared

Independent comparison. JustAutoRates is not affiliated with KEMBA Financial Credit Union. To apply, visit kemba.org.

Ohio · Headquarters Ohio

Live, work, worship or attend school in Delaware, Fairfield, Franklin, Hocking, Knox, Licking, Logan, Madison, Marion, Morrow, Perry, Pickaway, Ross or Union counties in Ohio, or a family member of a current member

Rate page on kemba.org

Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.

NewNew car rates · 1 rate

As low asAdvantage member rateAdvantage member rate: Lender condition: Advantage member rate.

5.79%NewTerm not listed

OHChecked Nov 11, 2026

The source does not assign this APR to a term.

What the lender published

Model years 2023 and newer. Term not assigned to the as-low-as APR (APRs based on a $20,000 loan with a $124 doc prep fee, amortized over 51 months; terms up to 84 months available). KEMBA Advantage member rate (Everyday rate is 0.50 points higher). Rates effective August 1, 2026.

Checked Nov 11, 2026Source kemba.org

Calculate payment at 5.79% from KEMBA Financial Credit UnionVisit lender ↗

UsedUsed car rates · 2 rates

As low asAdvantage member rateAdvantage member rate: Lender condition: Advantage member rate.

5.79%UsedTerm not listed

OHChecked Nov 11, 2026

The source does not assign this APR to a term.

What the lender published

Model years 2023 and newer (new or used). Term not assigned to the as-low-as APR (APRs based on a $20,000 loan with a $124 doc prep fee, amortized over 51 months; terms up to 84 months available). KEMBA Advantage member rate (Everyday rate is 0.50 points higher). Rates effective August 1, 2026.

Checked Nov 11, 2026Source kemba.org

Calculate payment at 5.79% from KEMBA Financial Credit UnionVisit lender ↗
As low asAdvantage member rateAdvantage member rate: Lender condition: Advantage member rate.

7.04%UsedTerm not listed

OHChecked Nov 11, 2026

The source does not assign this APR to a term.

What the lender published

Model years 2020-2022. Term not assigned to the as-low-as APR (APRs based on a $20,000 loan with a $124 doc prep fee, amortized over 51 months; terms up to 84 months available). KEMBA Advantage member rate (Everyday rate is 0.50 points higher). Rates effective August 1, 2026.

Checked Nov 11, 2026Source kemba.org

Calculate payment at 7.04% from KEMBA Financial Credit UnionVisit lender ↗

RefiRefinance rates · 1 rate

As low asAdvantage member rateAdvantage member rate: Lender condition: Advantage member rate.

5.79%RefiTerm not listed

OHChecked Nov 11, 2026

The source does not assign this APR to a term.

What the lender published

Refinance, model years 2023 and newer. Term not assigned to the as-low-as APR (APRs based on a $20,000 loan with a $124 doc prep fee, amortized over 51 months; terms up to 84 months available). KEMBA Advantage member rate (Everyday rate is 0.50 points higher). Rates effective August 1, 2026.

Checked Nov 11, 2026Source kemba.org

Calculate payment at 5.79% from KEMBA Financial Credit UnionVisit lender ↗