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Serving employees of the Kroger Delta Division

Direct Deposit

  1. Get a Kemba Debit Card and have "immediate access" to your money the instant it is deposited!

  2. Kroger employees have their payroll posted at 9 AM each Thursday unless a holiday delays posting until Friday.

  3. Non-Kroger employees will have access to their money at 9 AM on the settlement date determined by your employer.

KEMBA is the PRIMARY financial institution that Kroger uses for DIRECT DEPOSIT. Why worry about getting your paycheck each week? With KEMBA you can be sure your money will be in your account on time every time!


Dividends, or earnings on your shares, are paid quarterly and are automatically added to your share account(s) balance. Dividends are set by the Board of Directors and are based on net earnings and market conditions. Statements are mailed quarterly around the 15th of the month.

Types of Accounts:

Share Drafts - same as a regular Checking Account, but it has many superior features with more flexibility for the user. Plus, there is NO SERVICE CHARGE for normal use and you receive daily interest on your unused balances. Your first order of share drafts is free. Subsequent orders are at "our cost" and vary in cost depending on the type of drafts you select. You can have automatic deposits or drafts on this account.

Share Account - same as regular Savings Account. Share deposits can be made through convenient automatic payroll deduction. Good Interest Rate. Only need $2,500 to earn interest and members can make 8 withdrawals per Qtr without incurring fees.

Share Certificate (CD) - This account is for 6-month, 12-month, or 18-month certificates. You are notified prior to maturity date. You make the decision to receive the proceeds from your certificate or reinvest in another certificate at the quoted interest rate in effect at the time. This account requires a $500.00 minimum deposit and pays a higher earning rate than a regular share account.

IRA's (Individual Retirement Account) - Regular IRA's and the New Roth IRA. We offer full service on these accounts including reports you need to file your income tax with NO SERVICE FEE. Deposits can be made by mail, in person, or by convenient payroll deduction.

Christmas Club - We offer a Christmas Club Account that enables our members to save and to avoid the "Holiday Expense Crunch." Each year, the first week of November, the Christmas Club funds are processed and transferred to your savings account.

Vacation Club - This account is designed to help our members put aside money for vacations. Withdrawals can be made to coincide with your vacations.


Savings secured, signature, comaker, and collateral loans are available. All loans must be approved by a loan officer and/or credit manager. Loan applicants must meet loan guidelines and be of legal age.

See our Loans Page


Auto - Mechanical Insurance

Vehicle repair costs are soaring. It is wise to have protection. One trip to a repair shop can more than pay the cost of the policy. We offer one of the finest, and least expensive, policies available for new or previously owned vehicles. This policy provides protection after a manufacturer's warranty expires.

Account Insurance


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.

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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.