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Kemba Indianapolis Credit Union

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Kemba Indianapolis Credit Union Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Kemba Indianapolis Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 30, 2026

Kemba Indianapolis Credit Union's Personal Loan Rates are at 5.29%. MonitorBankRates evaluates the financial stability of Kemba Indianapolis Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.54%. Rates last updated and verified on 08/30/2026.

Kemba Indianapolis Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Kemba Indianapolis Credit Union? Share your experience about Kemba Indianapolis Credit Union by leaving a review below, or read customer reviews before you decide to use Kemba Indianapolis Credit Union.

Verified Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.54%

Excellent Lower than avg

Kemba Indianapolis Credit Union
Main Office

444 S Shortridge Rd
Indianapolis, IN 46219

https://www.mykemba.org

Kemba Indianapolis Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New and Used Auto Loans	-	-	5.29%	48-84 months
Details As Low As; rates as low as 5.29%***; 2024- current model year Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
New and Used Auto Loans	-	-	5.59%	48-72 months
Details As Low As; rates as low as 5.59%***; 2019-2023 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
New and Used Auto Loans	-	-	8.39%	48-60 months
Details As Low As; rates as low as 8.39%***; 2018 and older Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%

Kemba Indianapolis Credit Union Credit Card Rates

Product	Rate	APR
Member Classic Visa	-	13.15%
Details Variable rate, subject to change at any time. No annual fee. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Member Rewards Visa	-	14.25%
Details Variable rate, subject to change at any time. No annual fee. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Member Secure Visa	-	21.00%
Details Variable rate, subject to change at any time. No annual fee. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%

Kemba Indianapolis Credit Union Personal Loan Rates

Product	Rate	APR
Closed end Personal Loan	-	5.29%
Details As Low As; *** Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Open end Personal Line of Credit	-	5.59%
Details As Low As; *** Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Personal Loan	-	7.00%
Details As Low As; 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. All closed end unsecured loans have a $25 loan application fee that must be on deposit at the time of application. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Personal Loan	-	8.00%
Details 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. All closed end unsecured loans have a $25 loan application fee that must be on deposit at the time of application. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Personal Loan	-	9.00%
Details 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. All closed end unsecured loans have a $25 loan application fee that must be on deposit at the time of application. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Kemba Indianapolis Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Kemba Indianapolis Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Kemba Indianapolis Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Kemba Indianapolis Credit Union

Website https://www.mykemba.org

Address 444 S Shortridge Rd, Indianapolis, IN 46219

Phone 317-351-5235

Fax 317-351-5244

President Paul Sahm

CEO Jennifer Mulligan

Full-Time Employees 14

Part-Time Employees 2

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.54%

Return on Assets (ROA)

0.5516%

Return on Equity (ROE)

3.4333%

Non-Performing Loans Ratio (NPL)

0.71%

Total Assets

79,332,351

Total Amount of Shares and Deposits

65,949,667

Total Shares and Deposits < 1 Year

65,007,194

Total Shares and Deposits 1 3 Years

508,128

Total Shares and Deposits > 3 Years

434,345

Total Interest Expense (Sum of items 6 8)

478,640

Share Certificates

312

Number of Accounts for Share Drafts

3,498

IRA KEOGH Accounts

225

Number of Accounts for Regular Shares

5,543

Money Market Shares

215

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

8,108,921

Total Liabilities

66,610,999

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Kemba Indianapolis Credit Union earned the Verified Strong badge

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Customer Reviews

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Frequently Asked Questions About Kemba Indianapolis Credit Union

How many branches does Kemba Indianapolis Credit Union operate?

Kemba Indianapolis Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Kemba Indianapolis Credit Union?

Yes, to access services at Kemba Indianapolis Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Kemba Indianapolis Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Kemba Indianapolis Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Kemba Indianapolis Credit Union offer online and mobile banking?

Most modern institutions like Kemba Indianapolis Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.mykemba.org.