Loan Rates effective as of 1/1/2022
Savings & Certificates Rates effective as of 4/1/2022
Loan applications with joint maker signing will constitute joint/cosigner responsibilities.
All loan rates are fixed unless noted as variable rate.
We are required to ask you for income verification to complete all loan requests.
100% financing is based on J.D. Power Consumer Vehicle Values + Options + / – mileage adjustment.
You can research a used vehicle value at jdpowervaluesonline.com.
The older the vehicle, the shorter the term and higher the interest rate. Rate is FIXED. Stated rates for new to 2 years old. An extra year’s term adds 1% to stated loan rate.
The older the vehicle, the shorter the term and higher the interest rate. Rate is FIXED. Stated rates for new to 2 years old. An extra year’s term adds 1% to stated loan rate.
The older the vehicle, the shorter the term and higher the interest rate. Rate is FIXED. Stated rates for new to 2 years old. An extra year’s term adds 1% to stated loan rate.
Interest rate is a fixed and is based on credit score.
Line-Of-Credit has a minimum advance of $100.00 per transaction requirement. No additional fees or charges.
Rate is fixed.
Contact us for details. Rate is fixed.
Contact us at (502) 459-1411, x 130, or realestate@kembaky.org
IRA CD not eligible. Rate is fixed.
*APR = Annual Percentage Rate
All loan rates mentioned above are Fixed Rates, meaning that the rates will not/ cannot fluctuate after consummation of the loan. The only exception is our Revolving Home Equity Line-Of-Credit, which has a variable rate that may change only twice a year – April 1st and October 1st. Members who will qualify for the lowest rates will have a credit score of at least 720 when the credit union employee pulls the Equifax credit report using the Vantage scoring.
*** Example: Vehicle’s J.D. Power Consumer Vehicle 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. APR stands for ‘Annual Percentage Rate’.
NOTE : You must send income verification to the credit union to complete all loan requests.
Investment Rates as of April 1, 2022
Federally insured by NCUA.
Rates may change after account is opened.
Fees could change the earnings on the account.
Minimum deposit to open account is $5.00 (Five Dollars)
| Savings | Minimum Balance | Dividend / Interest Rate%* |
|---|---|---|
| Regular Share / Savings | $5.00 | 0.25 |
| Share Draft / Checking | $5.00 | 0.25 |
| Christmas Club | $5.00 | 0.25 |
*APY = Annual Percentage Yield. The rates listed are the most recent offered in the previous 7-day period and are subject to change without notice.
| Certificates* | Term | Dividend / Interest Rate% | APY%* |
|---|---|---|---|
| Federally insured by NCUA | 91 DAY | 2.00 | 2.015 |
| Federally insured by NCUA | 6 MONTH | 3.50 | 3.546 |
| Federally insured by NCUA | 12 MONTH | 3.00 | 3.034 |
| Federally insured by NCUA | 18 MONTH | 3.00 | 3.034 |
| Federally insured by NCUA | 24 MONTH | 3.10 | 3.136 |
| Federally insured by NCUA | 30 MONTH | 3.10 | 3.136 |
| Federally insured by NCUA | 36 MONTH | 3.40 | 3.444 |
| Federally insured by NCUA | 48 MONTH | 3.50 | 3.546 |
| Federally insured by NCUA | 60 MONTH | 3.50 | 3.546 |
| IRA - 1st QUARTER | PASSBOOK | 0.40 | 0.35 |
| IRA - 1st QUARTER | 18 MONTH | 3.00 | 3.034 |
| IRA - 1st QUARTER | 24 MONTH | 3.10 | 3.136 |
| IRA - 1st QUARTER | 30 MONTH | 3.10 | 3.136 |
*All require a $500.00 minimum deposit. The rates listed are the most recent offered in the previous 7-day period and are subject to change without notice.
You are now leaving the KEMBA Louisville website, but the Online Banking site is still within our system. Click on the button below to continue.
Starting Friday, January 23, our Drive-Thru hours will be the same
as regular office hours: 8:30a.m. – 5:00p.m.
PLEASE NOTE: The Drive-Thru will no longer be open until 6:00 p.m. on Fridays.
You are now leaving the KEMBA Louisville website, but the Payment site is still within our system. Click on the button below to continue.
You are now leaving the KEMBA Louisville website, but the Online Banking site is still within our system. Click on the button below to continue.
