Kemba Financial Credit Union Credit Cards

Kemba Financial Credit Union is a leading credit union and credit card issuer in central Ohio that offers credit cards for everyday use. Browse credit cards below.

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Kemba Platinum Visa with Rewards

Kemba Platinum Visa with Rewards
Excellent-Good
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Visa Processing Network
None Annual Fee

Kemba Platinum Visa with Rewards

  • 11.74% to 17.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 11.74% to 17.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 20.74% variable based on the Prime Rate Cash Advance APR

At a Glance

The Kemba Platinum Visa with Rewards is a combination of cash back rewards and balance transfer credit card from Ohio’s Kemba Financial Credit Union. The card features a low APR of around 10% variable, making it ideal for carrying a balance or financing more significant purchases, as well as the cash back earning potential of 1% cashback on every purchase. Cardholders also earn cashback on all balance transfers made within the first 90 days of opening an account.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 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: 11.74% to 17.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 11.74% to 17.74% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 20.74% 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
  • You already bank with Kemba Financial Credit Union or live in central Ohio
  • You don’t want to pay an annual fee
  • You want a great balance transfer card
  • You want to earn 1% cashback on all purchases

Kemba Premier Business Visa

Kemba Premier Business Visa
Excellent-Good
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Visa Processing Network
None Annual Fee

Kemba Premier Business Visa

  • 11.74% to 17.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 11.74% to 17.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 20.74% variable based on the Prime Rate Cash Advance APR

At a Glance

The Kemba Premier Business Visa is a versatile business cash back rewards card from Kemba Financial Credit Union. Kemba Financial Credit Union is a central Ohio-based credit union offering a range of products to both businesses and members alike. The Kemba Premier Business Visa Card features a low APR on purchases and balance transfers and 1% cashback on all purchases. New account holders also earn 1% cashback on all balance transfers conducted within the first 90 days of opening an account.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • No balance transfer fees
  • 1% cash back rewards on purchases
  • Comprehensive fraud protectio
  • Regular Purchase APR: 11.74% to 17.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 11.74% to 17.74% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 20.74% 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
  • You already bank with Kemba Financial Credit Union or conduct business in central Ohio
  • You don’t want to pay an annual fee
  • You want a business card for everyday purchases
  • You want to earn 1% cashback on all purchases

About 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:

  • The ABA routing number for KEMBA is 244077556.
  • 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.
  • KEMBA stands for Kroger Employee Mutual Benefits Association.
  • 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.

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BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.