Features that benefit you.
Why Borrow from a Credit Union?
Member-Owned
Great rates, flexible terms
Credit union members become owners of the financial cooperative and benefit from competitive rates, flexible repayment, and exceptional service.
Not-for-Profit
People before profits
Credit unions return value to their members, rather than investors, with benefits like lower loan rates and higher savings rates.
No Gimmicks
Real rates, no credit pull
By asking a few simple questions, we help you estimate your interest rate and payment before you apply without impacting your credit score.
Funding the futures of people like you.
“While looking for loans for my education, Elements Financial just fit. They were local to my state and helped me accomplish my bachelor’s degree in just 3 years! Post graduation, they have been a great lender, answering any questions I have had and always being easy to contact. I am very thankful I am able to be a part of this credit union!”
Evan, Elements Financial Credit Union
“I graduated with a great deal of student debt and joined KEMBA Financial for the sole purpose of trying to pay them down quicker. In addition to refinancing my loans, they helped me get a handle on my financial situation. I had such a great experience that I moved all of my accounts, and I’ve been happy ever since. The best part is that I’ll be debt free in less than 6 months!”
Megan, KEMBA Financial Credit Union
