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Serving employees of the Kroger Delta Division

Start Your Christmas Shopping Early This Year!

Instead of mailing out Christmas Club checks this year, your credit union will deposit your Christmas Club funds directly into your share account. We will make this deposit on November 1, thus allowing you the ability to begin withdrawing from that date forward. By beginning this new method of disbursing our Christmas club funds, you will have the benefit of faster access and the ability to withdraw only the amount you need for your holiday spending.

If the only account you have with Kemba is your Christmas Club account, we will make these funds available to you at no charge. Just call our office and we will mail you a check for whatever amount you request. We will mail your check(s) free of charge through the end of December. Your scheduled weekly deposits will immediately begin going to your Christmas Club account beginning November 2. If you would like to make any changes to your account for next year, please fill out a form in your break room supply rack and forward it to our office.

Get the F.A.C.T.S. About Your Right to a FREE Annual Credit Report

The Fair and Accurate Credit Transaction Act signed into law on December 1, 2003, gives all Americans the right to check their credit report annually for free!

  Click here for Fair Credit Reporting Act

Residents in the states of Tennessee, Mississippi, Alabama, Arkansas, Georgia, Kentucky, Louisiana, Texas, Florida, South Carolina and Oklahoma became eligible to receive their free credit report on June 1, 2005.

Why not take advantage of this new law and request your free annual credit report? Check it for errors and make sure all the accounts on the report are yours.

You can order your free annual credit report online at, or by calling 877-322-8228, or by completing the Annual Credit Report Request Form and mailing it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

When you order, you will need to provide your name, address, Social Security Number, and date of birth.

Minimum Payment Affects Interest Expense

A handful of credit card issuers have increased minimum payments from 2% to 4% of the balance due. This table shows how minimum payments affect not only the length of time it will take to pay off your balance, but also the amount of interest you will pay.



Length of time to pay off



19 years



7 years, 4 months



3 years, 9 months

Always pay the minimum amount due so you don't incur a late fee and, if possible, pay more than the minimum. Also, if you don't already have one, consider trading in the high-interest credit card for a lower-rate card from your credit union.

Assumptions: $2,000 balance; 18% Interest, these calculations also assume you add no more charges to the card.

Financial Highlights as of December 2022

Assets: $29,741,537
Loans: $16,673,283
Shares: $22,144,123
Members: 5,075

Holiday Closings for 2023

Martin Luther King, Jr. Day - Monday, January 16
Presidents Day - Monday, February 20
Memorial Day - Monday, May 29
Juneteenth - Monday, June 19
Independence Day - Tuesday, July 4
Labor Day - Monday, September 4
Columbus Day - Monday, October 9
Veterans Day - Friday, November 10
Thanksgiving - Thursday, Nov. 23 & Friday, Nov. 24
Christmas - Friday, Dec. 22 & Monday, Dec. 25
New Year’s Day - Monday, January 1, 2024

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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.