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Balance Transfer Request
Holiday shopping season is here! Existing card members can take advantage of our special rate offer of 9.2% APR for purchases made using your KEMBA Visa Credit Card from 10/01/2025- 12/31/2025! This special rate offer will be in effect for 6 billing cycles from the purchase date. After that, rates will revert to your regular APR. Any existing balance of KEMBA credit card accounts are not eligible for the promotional APR.
APR=Annual Percentage Rate. Currently, variable rates range from 14.75 APR to 21.00% APR, are based on creditworthiness, and will vary with the market based on the U.S. Prime Rate. Purchase offer: 9.2% promotional APR on purchases for 6 months. The promotional rate will remain in effect for 6 billing cycles from the purchase date. After that, purchases will accrue interest at the variable APR. Credit card purchases will accrue interest unless the balance is paid in full by the next due date. To avoid paying interest on purchases, you must pay your entire balance by the next due date, including balances transferred under this promotion. Offer valid for purchases completed from 10/01/2025 – 12/31/2025 for existing cardholders. All loans are subject to credit approval and underwriting criteria. Visa is a registered trademark of Visa International Service Assoc. and used under license
MEMBER REWARDS
This is a great card to use for everyday purchases while earning rewards.
MEMBER CLASSIC
If you typically carry a balance, this card is a great option for you!
MEMBER SECURE
If you need to establish or rebuild credit history, this is the card for you!
KEMBA Credit Card Benefits
Credit Card Rates
Effective 10/01/2025
| Card Type | Rates as low as | Conditions |
| Member Rewards Visa | 14.75% APR | Variable rate, subject to change at any time. No annual fee. |
| Member Classic Visa | 13.65% APR | Variable rate, subject to change at any time. No annual fee. |
| Member Secure Visa | 21.00% APR | Variable rate, subject to change at any time. No annual fee. |
KEMBA Visa® Credit Cards are available to use with Apple Pay®, Google Pay™, and Samsung Pay®. That means you can make secure, touch-free purchases right from your smartphone or smartwatch—no need to carry your physical card. Digital wallets offer enhanced security through tokenization, plus added convenience for everyday shopping.
For assistance with tokenization for your KEMBA Visa Credit Card, call: 1.855.709.8132
Request Information
Balance Transfer Request
Credit Card Disclosure
CC E-Statement Enroll
Download our MyCard Mgr app from your app store today! Manage your KEMBA Visa Credit Card anywhere, anytime! Please note, our credit card app is a separate from our MyMobile banking app. 
Card members can manage their credit cards on the go! Download the My Credit Card Manager app from iTunes and Google Play now!
With this app you can manage your card from any location at any time:
Download the app from the store, grab your credit card, and register on your device. It’s that easy!
Yes, there is no need to be an Online Banking user to use this service. Enroll on credit card online banking in MyBranch. Click on your “Credit Card” account number to begin the registration process.
No, you must complete the Mobile Credit Card App Registration process from your smart phone to create login credentials and set up security questions.
Nothing! This is a free service. However, there may be charges associated with data usage on your phone. Check with your wireless phone carrier for more information.
Yes, the Mobile Credit Card App service utilizes best security practices such as HTTPS, 128-bit SSL encryption and site time-out when the session expires. In addition, no account data is ever stored on your phone. And in the event your phone is lost or stolen, the service can be immediately disabled by calling the number on the back of your card, visiting MyBranch and accessing your credit card account, or calling our Call Center at 317-351-5235.
We support all the popular US wireless phone carriers, including AT&T, Sprint, T-Mobile, and Verizon.
A data plan is typically needed when you want to use the app when Wi-Fi is not available. Please check with your wireless carrier for more information.
Any KEMBA Credit Union credit card where you are the primary or secondary cardholder.
Download the app from the store, grab your card and register from the phone. You will verify your identity, select security questions and create a sign on Mobile Credit Card App User ID and Password.
The information you provide to verify your identity is used to validate account ownership. Only your security questions and answers and Mobile Credit Card App User ID and Password are stored by our system.
Simply reinstall the app and start using it.
There are no special arrangements necessary to suspend the app or card.
After entering your Username, tap on Login button. On the next screen select “Forgot Password?” link. You will be guided thru the change process.
On the Login screen, select “Forgot Username?” link. You will be guided thru the change process.
Sign on to the Mobile Credit Card App and from the Home screen, select Settings button. You will be guided thru the change process.
Please call the phone number on the back of the card.
For more assistance, please call us at 317-351-5235.
APR- Annual Percentage Rate. All credit card offers are subject to credit approval. All credit union programs, rates, terms and conditions are subject to change at any time without prior notice. Terms and conditions apply. Credit, income, and other restrictions apply. Offers may end at any time without notice. All introductory offers are only available for new credit cards. You may not be eligible for introductory credit card offers if you’ve had a KEMBA credit card in the past 24-months. All loans and accounts are subject to approval. All rates are based on an evaluation of the member’s individual credit history. Terms and conditions apply. Verification and restrictions may apply. All credit union programs, rates, terms and conditions are subject to change at any time without prior notice. Credit, income, and other restrictions apply. Offer may end at any time without notice.
*Member Rewards and Member Classic Visa. Balance transfer fee of $10 or 2% of the transfer, whichever is greater. After 12-month period, your rate will revert to your standard variable rate.
**Member Rewards and Member Classic Visa new purchase intro rate of 3.99% APR for 6-months. After the intro period, your rate will revert to your standard variable rate.