Come Grow With Us

How to Join Kemba Delta FCU

There are absolutely NO MEMBERSHIP FEES!

In today's competitive environment, it's getting tougher to provide meaningful employee benefits without increasing costs. For years, Kemba Delta FCU has helped thousands of Kroger employees give their employees more at less cost.

Now let us do it for your business or association!

Kroger Employees & Family Members
Complete, print, and sign our online Membership Application Form. Mail (free through Kroger Customer Service Office) or bring the form to the credit union office to become a member.

Business’s in the Memphis Area
Kemba Delta FCU is now open to businesses and their family members. Becoming members is a simple process. There is no cost or contractual obligation on the part of the business.

1. Employee letter to Human Resources/Benefits requesting membership. (Click Here)

2. Have business complete enrollment letter. (Click Here)

3. In lieu of enrollment letter, business can have following verbiage on their letterhead. ABC Company is willing to open up membership to Kemba Delta FCU as part of its benefits.

4. Once Kemba receives either of these documents, we proceed with the NCUA (Regulatory body for Credit Unions) for approval. Usually 24 hrs.

5. Once approved then it is open to all employees of that company and their family members. We will then schedule a time to have open enrollment for all employees.

Associations in the Memphis Area
Kemba Delta FCU is now open to all associations and their family members. Becoming members is a simple process. There is no cost or contractual obligation on the part of the association.

1. Have association president or executive director complete application. (Click Here)

2. Once Kemba receives the application and supporting documents, we proceed with the NCUA (Regulatory body for Credit Unions) for approval. Usually 24 hrs.

3. Once approved then it is open to all members of that association and their family members. We will then schedule a time to have open enrollment for all employees.

Credit Union Membership is a Family Affair

Our products and services are designed to exceed your expectations. You'll find them to be valuable, flexible and competitive because that's what you'd expect! And why shouldn't you? We are committed to making your relationship with Kemba Delta Federal Credit Union a very happy and rewarding experience.

Another great reason to belong and feel confident that your money is safe is that at Kemba Delta Federal Credit Union your accounts are insured up to $250,000 for savings, checking and certificates plus an additional $250,000 for IRAs per member. These accounts are insured by the National Credit Union Administration, an agency of the federal government.

Kemba Delta Federal Credit Union wants you to feel secure about your finances-secure enough to have all of your family members know the benefits of membership. We thank you for trusting in us!

Benefits of Membership

Our products and services are designed to exceed your expectations. You'll find them to be valuable, flexible and competitive, because that's what our members have come to expect. And why shouldn't they? It's our commitment to you, and we're driven to give you our best in all areas to earn and build a rewarding relationship with you.

Who Else can Join: KEMBA Delta Federal Credit Union is open to all active or retired employees of the Kroger Delta Division, businesses and associations in the Memphis Area.
Immediate family members of current Kemba Delta FCU members. All are welcome to join-and we'd love to have them! This includes:

• Parents
• Children
• Spouse (including surviving spouse)
• Siblings
• Grandparent
• Stepparents
• Stepchildren
• Stepsiblings
• Adoptive relationships

Membership Eligibilty

Membership to KEMBA Delta Federal Credit Union is open to all active or retired employees of the Kroger Delta Division, businesses and association in the Memphis Area. An employee's Parents, Children, Spouse (including surviving spouse), Siblings, Grandparent, Grandchildren, Stepparents, Stepchildren, Stepsiblings, Adoptive relationships can join the credit union as a "Family Member" and participate in all services offered.

Documentation needed:

• Legible copy of photo ID
• Marriage License
• Birth Certificate

Customer Identification Program

IMPORTANT INFORMATION ABOUT OPENING A
NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities Federal Law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means to you: When you request to open an account, we will ask for your full name, including middle initial, your physical address, date of birth, social security number or tax identification number, or other information that will allow us to identify you. We will require a photo identification issued by a government agency, which would typically be your driver's license, or state identification card.

The credit union will also obtain a credit report prior to opening an account for you. Based on your credit rating, the credit union may not offer you all of our services and products or may deny your account request. If you do not wish for the credit union to obtain a credit rating, we will not be able to open an account for you.