*APR: Annual Percentage Rate.
**Visa Platinum with Rewards 0.00% APR Offer: The 0.00% APR introductory rate on purchases is valid for 18 months from the time a Visa Platinum with Rewards card is opened for purchases made in the first 90 days the card is open. The 0.00% APR Introductory rate on balance transfers is valid for 18 months from the time a Visa Platinum with Rewards card is opened for balance transfers made within the first 90 days the card is open. A balance transfer fee of $5.00 or 3.0% of the total transferred balance, whichever is greater, applies at time of transfer with 18-month introductory rate. Not valid on existing cards. Valid on new money transfers only, cannot transfer funds from existing KEMBA credit card(s) or loans. Offer not valid for current KEMBA credit card holders. When the promotional period ends, transferred balances remaining will revert to the prevailing APR based on your creditworthiness as disclosed at time of application (ranging from 12.24% APR-18.24% APR for Visa Platinum with Rewards). For example, open your card on 1.12.2025, and pay 0.00% APR on balance transfers and purchases made within the first 90 days the card is open through 7.11.2026; all balances as of 7.12.2026 will revert to prevailing APR (ranging from 12.24% APR-18.24% APR for Visa Platinum with Rewards). The Prime Rate used to determine your APRs for purchases, balance transfers, and cash advances is the Prime Rate published in the Wall Street Journal on the twentieth (20th) calendar day of the previous calendar month. Refer to original Credit Card terms and conditions for prevailing rate for balance transfers that will be in affect at end of intro period (ranging from 12.24% APR-18.24% APR for Visa Platinum with Rewards). Promotional rate valid on Visa Platinum with Rewards cards only. Eligibility and offered rate may vary based on creditworthiness. Minimum credit score of 600 required. Offer expires 3.31.2025.
† Visa Signature 0.00% APR Offer: The 0.00% APR Introductory rate on balance transfers is valid for 18 months from the time a Visa Signature card is opened for balance transfers made within the first 90 days the card is open. The 0.00% introductory APR is not valid on purchases. A balance transfer fee of $5.00 or 3.0% of the total transferred balance, whichever is greater, applies at time of transfer with 18-month introductory rate. Not valid on existing cards. Valid on new money transfers only, cannot transfer funds from existing KEMBA credit card(s) or loans. Offer not valid for current KEMBA credit card holders. When the promotional period ends, transferred balances remaining will revert to the prevailing APR based on your creditworthiness as disclosed at time of application (ranging from 14.24% APR – 20.24% APR for Visa Signature). For example, open your card on 1.12.2025, and pay 0.00% APR on balance transfers made within the first 90 days the card is open through 7.11.2026; all balances as of 7.12.2026 will revert to prevailing APR (ranging from 14.24% APR – 20.24% APR for Visa Signature). The Prime Rate used to determine your APRs for purchases, balance transfers, and cash advances is the Prime Rate published in the Wall Street Journal on the twentieth (20th) calendar day of the previous calendar month. Refer to original Credit Card terms and conditions for prevailing rate for balance transfers that will be in affect at end of intro period (ranging from 14.24% APR – 20.24% APR for Visa Signature). Promotional rate valid on Visa Signature cards only. Eligibility and offered rate may vary based on creditworthiness. Minimum credit score of 635 required. Offer expires 3.31.2025.
‡ Visa Signature $300 Cash Back Offer: To qualify to earn $300 cash back bonus, you must make aggregate purchases greater than or equal to $3000 in the first 90 days card is open. Balance transfers do not apply toward the $3000 spend. The cash back bonus will be deposited into the Primary Savings account of the Primary Member’s account by the end of the next month following qualification. For example, open your card on 1.12.2025 and make $3000-plus in purchases by 2.7.2025. The cashback would be deposited by 3.31.2025. Not valid on existing cards. Offer expires 3.31.2025.
^KEMBA Financial Credit Union cardholders are responsible for the payment of any and all charges associated with any goods, services, reservations or bookings purchased or arranged by the Visa Signature Concierge on cardholders’ behalf. Any such purchases or arrangements are solely between the cardholder and the respective merchant, and Visa is not a party to the transaction. All goods and services subject to availability. See full terms of service at https://usa.visa.com/supporting-info/concierge-terms.html. In cases where one of the benefits is not available at a hotel, the hotel may provide a substitute benefit of equal value. Some hotels may provide one of the benefits as a standard feature of the room being booked. In those cases, the hotel may or may not provide a substitute benefit of equal value. Resort fees that cover any of the benefits are not reimbursable. Reservations must be booked either on a Visa Signature Luxury Hotel Collection website or through Visa Concierge for benefits to apply. Please consult the terms and conditions for each property. Certain restrictions and limitations apply. Benefits vary at select Sonoma County wineries and are subject to change at any time. Go to kemba.org/signature-benefits for full details.
1 1% cash back rewards paid once per year. Intro rate balance transfers not eligible for cash back. Cash back rewards paid only on balance transfer made in the first 90 days when prevailing rate is charged. You will receive 1 point for every $1 you spend with your credit card. Cash back points will be awarded for balance transfers made within the first ninety (90) days your Platinum Rewards account is open. 100 points=$1 cash back. Account must be in good standing at time of payout to receive rewards. Minimum to receive reward is 2,500 points.
2 1.5% cash back rewards paid monthly at the end of each billing cycle. You will receive 1.5 points for every $1 you spend with your credit card. 100 points = $1.50 cash back. Account must be in good standing at time of payout. Rewards will be deposited into cardholder’s Primary Savings Account on the first of each month based on transactions the previous month.
For all Visa rewards credit cards, cash back rewards applied on balance transfers in the first 90 days only, not valid during balance transfer promotions. KEMBA will debit for returns and disputes when applicable.
Important information about your loan application:A KEMBA membership is required before you can receive a loan. While you can complete and submit the online loan application prior to membership, we require that you join the Credit Union before your loan is funded.
Click here to find out if you’re eligible for membership.
Online loan applicants must be at least 18 years old and U.S. Citizens. When you submit an online loan application you are authorizing KEMBA Financial Credit Union to obtain your consumer credit reports from national credit reporting agencies, and contact you via telephone, email, or mail in regards to your application. It is also important to note that information obtained by KEMBA from your loan application may be kept and maintained by the Credit Union for an indefinite period of time, and may be shared with business affiliates of the Credit Union for any lawful purpose. KEMBA is an equal opportunity lender.
USA PATRIOT Act
Customer Identification Program Notification: Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account, in order to help the government fight the funding of terrorism and money laundering activities. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
