Credit union · NCUA insured
Kemba Delta Federal Credit Union
A $31.7M credit union headquartered in Bartlett, TN, with 4,955 members and 2 branches in 2 states. Best rates: CDs 3.00% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: only special-purpose accounts (IRA, youth) are published. Auto loans: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all). Credit cards: no rates found on its website.
- CDs653.00%for 16–30 monthsCD rates →
- Savings—2.00%Savings rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Kemba Delta Federal Credit Union
Chartered in 1934 by the NCUA, KEMBA Delta Federal Credit Union was established to provide credit union services and promote thrift.
Headquartered in Bartlett, Tennessee, the non-profit financial institution exists to serve Kroger employees and their families.
- Headquarters
- 3108 N Germantown Rd, Ste 106, Bartlett, TN 38133
- NCUA charter
- 24220
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Active or retired employees of the Kroger Delta Division are eligible for membership.
Family and household
- Immediate family members of current Kemba Delta FCU members are eligible to join.
Cost to join
- There are no membership fees.
Branches
2 branches in 2 states
Loading map…
Florida
1 branch
- Velera560 Carillon Pkwy, St. Petersburg, FL 33716Directions
Tennessee
1 branch
- Kemba Delta FCUMain office3108 N Germantown Rd, Ste 106, Bartlett, TN 38133Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 29.45% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 3.17% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.87% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $46 | $59 | — |
- CapitalNet worth ratio29.45%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late3.17%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.87%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$46Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Kemba Delta Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.