Kemba Delta Federal Credit Union is a non-profit credit union chartered in 1934, primarily serving Kroger employees and their families with checking, savings, loans, and financial services.
Data compiled from public sources · Google rating shown when a stored review count is available
Kemba Delta Federal Credit Union was established in 1934 by the National Credit Union Association (NCUA) as a non-profit financial institution dedicated to serving a specific membership base: Kroger employees and their families. The credit union operates with a mission to provide comprehensive financial products and services while prioritizing member education, safety, and financial well-being. With headquarters in Bartlett, Tennessee, the institution has maintained its focus on promoting thrift and making credit accessible to its target demographic for nearly 90 years.
The credit union offers a full range of consumer financial services including share draft accounts (checking), savings accounts, direct deposit, debit cards, consumer loans, mortgage financing (through partnership with Fortera CU), and a mobile banking app. Members enjoy dividend payments on share accounts, quarterly statements, and access to over 5,300 shared branches nationwide through a partnership with Velera. The institution emphasizes convenience with 24/7 account access, a dedicated mobile app, and claims fees that are 30% lower than local banks.
Kemba Delta distinguishes itself through several specific strengths: it maintains a 5-star more listed rating from Bauer Financial, serves as Kroger's primary financial institution for direct deposit (with payroll posted reliably at 9 AM Thursdays for Kroger employees), and offers listed products like a Christmas Club savings program. The credit union provides personalized services with a small staff including loan officers and member services representatives, and emphasizes member education and financial counseling as part of its mission. The primary limitation of Kemba Delta is its restricted membership eligibility—service is limited to Kroger employees and their families, making it inaccessible to the general public.
The website is dated (©2018) and lacks comprehensive information about current rates, loan products, and specific terms. For eligible members, it represents a solid credit union option with strong financial ratings and competitive pricing, but potential members must verify Kroger employment eligibility before applying.
This is state-level context for Credit Unions consumers in Bartlett, TN. It does not confirm that Kemba Delta Federal CU or this specific location is licensed.
State regulator
Tennessee Department of Financial Institutions
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Kemba Delta Federal CU offers 12 services including Share draft accounts (checking accounts), Savings/share accounts with quarterly dividend payments, Direct deposit for Kroger and non-Kroger employees, Debit cards with immediate access to deposited funds, Consumer personal loans, and 7 more.
Kemba Delta Federal CU has profile signals associated with Kroger employees seeking direct deposit and payroll banking services, Kroger employee families looking for credit union membership and shared savings accounts, Employees wanting convenient access to 5,300+ branches nationwide for banking transactions.
Key strengths: Maintains 5-star more listed rating from Bauer Financial on latest quarterly financials; Fees are 30% lower than local banks according to website claims; Direct deposit payroll for Kroger employees posted reliably at 9 AM every Thursday. Areas to consider: Membership restricted to Kroger employees and their families only—not available to general public; Website appears outdated (copyright 2018) with incomplete information on current rates and loan terms.
In the Credit Unions category, comparable providers include America First Credit Union, National Police Federal Credit Union | Chicago, Redwood Credit Union. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Kemba Delta Federal Credit Union is profile signals for Kroger employees and their families seeking a stable, affordable credit union with reliable payroll direct deposit and rate claims to verify. The main caveat is strict membership eligibility—this institution is closed to the general public and only serves Kroger-affiliated members, making it inaccessible to most consumers.
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