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Kemba Premier Business Visa
- Regular Purchase APR 9.99% to 15.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 9.99% to 15.49% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 18.49% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network Visa
- No annual fee
- No balance transfer fees
- 1% cash back rewards on purchases
- Comprehensive fraud protection
- Regular Purchase APR: 9.99% to 15.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 9.99% to 15.49% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 18.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
- Penalty APR: 21.99% variable based on the Prime Rate
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $35
- Return Payment Penalty Fee: $10 or the amount of the required minimum payment, whichever is less
Kemba Platinum Visa with Rewards
- Regular Purchase APR 7.99% to 13.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 7.99% to 13.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 16.99% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network Visa
- 1% cash back rewards on purchases or balance transfers in the first 90 days
- No annual fee
- Low APR
- No balance transfer fees
- Regular Purchase APR: 7.99% to 13.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 7.99% to 13.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 16.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
- Penalty APR: 21.99% variable based on the Prime Rate
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $35
- Return Payment Penalty Fee: Up to $10
- Minimum Deposit Required: $500
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1About Kemba Financial Credit Union
Kemba Financial Credit Union (sometimes stylized as KEMBA) is a Central Ohio-based credit union with a long history.
The credit union traces its roots to 1933 as the credit union for employees of the Kroger Company – a role it still fulfills to this day. That’s actually what KEMBA stands for – Kroger Employee Mutual Benefits Association.
The first branch of Kemba was located in the Kroger bakery until relocating in 1971. The headquarters changes again in 2006, to its current location in Gahanna, OH.
Today, Kemba still serves Kroger employees, as well as employees of over 175 additional companies – and anyone that lives, works, attends school, or worships within its service area. The credit union currently boasts more than 100,00 members nationwide and over $1 billion in total assets.
Membership Eligibility
Who can join Kemba? Joining is a straightforward and simple process. Anyone who meets the following membership criteria is eligible to join Kemba:
- Those who live, work, worship, or attend school in the following Central Ohio counties:
- Delaware
- Fairfield
- Franklin
- Licking
- Logan
- Madison
- Union
- Employees or Kemba partner companies, including the Kroger Family of Companies
- Immediate family members of existing Kemba members
Becoming a Kemba member requires opening an account with eh credit union. The minimum deposit is $5. Once deposited, you’ll enjoy all the benefits of Kemba membership.
Locations
Kemba currently operates ten branches in Central Ohio. These branches are in the following cities and town:
- Bellefontaine
- Clintonville
- Gahanna
- Grove City
- Hillard
- Pickerington
- Powell
- Reynoldsburg
- Westerville
- Whitehall
For a complete listing of locations, including ATMs, directions, and lobby hours, please visit Kemba’s dedicated branch locations page for more information.
FAQs About Kemba
Here are answers to common questions about KEMBA Financial Credit Union:
What is Kemba’s routing number?
- The ABA routing number for KEMBA is 244077556.
Do you have to work for Kroger to join Kemba?
- While Kemba is the credit union for the Kroger Family of Companies, membership is also open to employees for over 175 companies, and those who live, work, go to school, or worship near a Kemba branch.
What does KEMBA stand for?
- KEMBA stands for Kroger Employee Mutual Benefits Association.
How can I contact Kemba customer service?
- The easiest way to contact a Kemba customer service representative is to call locally at 614-235-2395, or toll-free at 1-800-282-6420.
