Borrowing should be simple. At KEMBA Indianapolis Credit Union, we make it easy to find the right loan for your needs.
Whether you’re buying or refinancing a car, a home, or covering an unexpected expense, we’ll be with you every step of the way.
KEMBA offers loan options for every stage of life—from auto and personal loans to home financing and more!
Not a member yet? No problem. You can become a member as part of your loan application process, we’ll make it quick and easy.
Our friendly, experienced team is here to help compare options and find the best fit for your goals. We take the time to understand your needs and recommend the right solution—so you can borrow smarter and save more.
In addition, we’ll guide you through every step of the process to ensure everything goes smoothly, from application to approval. Contact us to connect with a KEMBA loan representative— we’re here to answer any questions you may have and help in any way.
KEMBA Indianapolis Loan Rates Effective 01/02/2026
| Auto Loan Rates | ||
| Vehicle Model Year | Terms* | APR** |
| 2024- current model year | 48-84 months | rates as low as 5.29%*** |
| 2019-2023 | 48-72 months | rates as low as 5.59%*** |
| 2018 and older | 48-60 months | rates as low as 8.39%*** |
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Rates effective as of 10/01/2026 and are subject to change without notice. *Term availability depends on credit score. Some terms may not be available. **APR = Annual Percentage Rate ***Rates listed include a .10% rate discount for automatic payment from a KEMBA checking account. Actual rate depends on credit score and term of loan.
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| Personal Loan Rates | |
| Closed End & Line of Credit | APR** |
| Up to 36 months | rates as low as 10.70%*** |
| 37 to 48 months | rates as low as 11.00%*** |
| 49 to 60 months | rates as low as 12.00%*** |
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Rates effective as of 10/01/2026 and are subject to change without notice. *Term availability depends on credit score. Some terms may not be available. **APR = Annual Percentage Rate ***Rates listed include a .10% rate discount for automatic payment from a KEMBA checking account. Actual rate depends on credit score and term of loan.
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| Other Closed End Loan Rates |
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| Loan Type | APR** | Loan Details |
| Credit Builder Loan | 9.99% | $500-$2000 up to 20 months |
| Quick Cash | 20.89% | No/ Low credit, up to $1500 payday loan alternative |
| Share Secured | +3% of current share rate | Loan secured by money of deposit with KEMBA |
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Rates effective as of 10/01/2026 and are subject to change without notice. *Term availability depends on credit score. Some terms may not be available. **APR = Annual Percentage Rate |
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| Visa Credit Card Rates | |
| Card Type | Rates as low as* APR** |
| Member Rewards | 14.50% |
| Member Classic | 15.50% |
| Member Secure | 21.00% |
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Rates effective as of 10/01/2026 and are subject to change without notice. *Actual rates depends of credit score. **APR = Annual Percentage Rate All cards offer a variable rate, subject to change at anytime with no notice. KEMBA Visa credit cards offer this convenience with no annual fee!
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| Home Equity Loan | Terms* | APR** |
| Home Equity Line of Credit | 7 yr. draw/ 15 yr. repayment | Variable |
Existing Members- Login to MyBranch online banking to complete the application.
Not a member? Use this application to submit your loan request.
All loans are subject to credit approval and underwriting criteria. Membership with KEMBA is required. If you are a non member, applying for a loan will also initiate a membership application.
