NOTE: Our website (THIS website) will be getting a FACELIFT soon! Don't be surprised when it looks differently in a few weeks or so. You may have to search for the website anew by entering kembaky.org in your web browser if our website doesn't pop up on the day of the release. Thank you.
Thank you for your Patience and your Kindness while the staff learns the new systems to better serve our members.
Whether you need help financing a new or used vehicle or boat, establishing a Home Equity line of credit, setting up an IRA, or just opening a new checking account, your Credit Union can help you. We offer a host of financial products and services to help you make the right financial decisions.
(Membership in KEMBA Louisville Credit Union is limited to Kroger Louisville KMA employees including Central Fill, KDC employees of Zenith and Transervice, and family members of members.)
New lower rates,
as low as 2.25% with 80% financing
of NADA Clean Retail value,
via downpayment or negotiation.
(See *Example of payments at bottom of page!)
Get PRE-APPROVED by applying online today !
(Be sure to send in copies of household income
for your loan application.)
The "What's new" page is where you will find,
of course, What Is New!
Such as now
Members can Self-Enroll
with Online Banking.
Also, the new number for the
automated Teller Phone Line.
To read the
Newsletter, click HERE!
The Annual Business Report
from this year's annual meeting
can be found on the What's New
menu item in the upper-left menu.
You are personally responsible for making
changes to your payroll so that your
checking has funds and your loans get paid.
(Before clicking on any link that will take you outside of our website,
such as the Express HR and Kroger website links, please
read and heed the information at the bottom of this page regarding
how such action will be taking you out of our
website and responsibility. Thank you!)
Click here to sign into Express HR
Click here to go to the Kroger site
All other members, be sure the payroll department
at your employer knows how much funds you
need deposited at your credit union.
Please be mindful when applying for a loan by
using any loan application link on this site,
we are required to ask you to
send a copy of recent household income
verification to the credit union!
(Whether via FAX, email, intra-store or U.S. mail.)
It is required and needed to calculate your debt to income
ratio. If you do not send in the needed
information, this will delay the approval process.
THE KEMBA Louisville
Credit Union VISA !
To apply, click on the card above.
(ELAN Financial's toll-free
Phone (800) 558-3424)
ATM users: 5th/3rd Bank ATMs withdrawals only at branches!
Not gas stations/convenience stores! Also,
5th/3rd Bank ATMs no longer accepts
ANY credit union's deposits.
Ask us how to sign up for REMOTE DEPOSIT!
When you click on any link in our website here that takes you to any other website, please be aware of the following:
· The member/user is leaving the credit union’s web site;
· The member/user is linking to an alternate web site not operated by the credit union;
· The credit union is not responsible for the content of the alternate web site;
· The credit union does not represent either the third party or the member if the two enter into a transaction; and
· Privacy and security policies may differ from those practiced by the credit union.
Thank you for making note of the above each time you leave our website to go to an outside link.
* Example: Vehicle's NADA Clean Retail Value is $25K and you finance only $20K on a new to 2 year old vehicle, (and the best credit score) THEN 2.25% APR, 60 months = Rate per $1,000 borrowed monthly factor is $17.65. A loan financing $20,000 would be a monthly payment of $353.16 before any add-ons, such as Credit Insurance, GAP+ADR or Extended Warranty.
If the credit score is the lowest score, then on a new to 2 year old vehicle 10.00% APR, 60 months = Rate per $1,000 borrowed monthly factore is $21.26. A loan financing $20,000 would be a monthly payment of $425.47 before any add-ons, such as Credit Insurance, GAP+ADR or Extended Warranty.
Lowest APR is based on credit score of at least 720 when the credit union employee pulls the report from Transunion using FICO-Classic04 scoring, and financing 80% or less of the vehicle's MSRP or,
if a Used vehicle, NADA retail+options+or- mileage adjustment.
Be sure to ask us about Credit Insurances, GAP+ADR and Extended Warranty!These should be reviewed before finalizing any and
all vehicle loans.
KEMBA Louisville Credit Union, 4017 Poplar Level Road, Louisville, KY 40213-1523