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Serving employees of the Kroger Delta Division

KEMBA Delta Federal Credit Union was chartered in 1934 by the National Credit Union Association (NCUA) for the purpose of providing credit union services. We are a non-profit, financial institution and exist only to serve our specific membership, which are Kroger Employees and their families. Our purpose is to promote thrift by making it easy to save or borrow for almost any worthwhile reason.

Our Mission

Our mission at Kemba Delta FCU is to provide a broad range of financial products and services in a compassionate way.

Maintaining safety and soundness while safeguarding member assets is a top priority for our not-for-profit financial institution.

We strive to impact the lives of our members through education, counseling, and opportunities to better their financial well-being.


Carter Ridgway - President
Kristen Smith - VP Operations
Kristen Smith - Accounting/Collection Manager
Yolanda Askew - Operations
Paulette Little - Loan Officer
Melanie Davis - Operations
Sally Pepper - Member Services

Board Members

Robert Peggs - Chairman
Vera McNary - Vice Chairman
Maxine Johnson - Secretary
Tim Myers

Harry Jamerson
Elvin Lobbins
Jim Matousek

Supervisory Committee

Tim Myers - Chairman
George Heath Jr.
Ronny Joyner

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©Copyright 2018 KEMBA Delta Federal Credit Union. All rights reserved.
3108 N Germantown Pkwy #106, Bartlett, TN 38133
(901) 795-9055, Toll Free 1-888-72KEMBA, Fax: (901) 795-9063

Equal Housing Lender

We do business in accordance with the
Federal Fair Housing Law and the
Equal Credit Opportunity Act.


Your savings are federally insured to at least $250,000
and backed by the full faith and credit of the United
States Government. National Credit Union
Administration, a U.S. Government Agency.