Serving you since

Our History



KEMBA Financial Credit Union was founded in 1933 as the credit union for the employees of The Kroger Company, and stands for Kroger Employee Mutual Benefits Association. The original branch was inside the Kroger Bakery downtown, and in 1971 was relocated to East Broad Street in Whitehall, and moved into our current Gahanna home in 2006. Today we continue to serve Kroger associates, but also employees of more than 175 additional area companies, plus anyone who lives, works or worships in Franklin, Delaware, Madison, Logan, Fairfield, Licking, and Union Counties.


Currently, we have 11 branches across Central Ohio, along with complete Digital Banking services, automated telephone banking, and more than 50,000 surcharge-free ATMs and over 5,500 shared branching locations nationwide.


KEMBA surpassed $1 billion in assets, and currently serves more than 100,000 members. We continually are recognized both as a statewide and nationwide leader in the Credit Union industry.



Our Mission

We exist to enrich the financial lives of our members and associates and will do so with passion, empathy, and integrity.

At our core, we’re committed to:


1) Serving our membership and returning financial value to the cooperative
2) Member and consumer financial education
3) Upholding the democratic principles KEMBA was founded on, and the Credit Union movement
4) Recognizing the value of diversity across our staff, volunteer Board of Directors, and entire membership
5) Actively participating in the communities we serve with public service and financial support



A letter from our President & CEO



As the President and CEO of KEMBA Financial, Central Ohio’s largest Credit Union, I’m privileged to say that we put people first, whether it’s our more than 100,000 loyal member-owners or our 250-plus dedicated associates who serve them. It’s why KEMBA Financial can provide both the highest quality, personalized banking and financial services, and offer a rewarding career experience for our valued associates. In short, it’s why we are a better way to bank and the best place to work.


As a member-owner of our not-for-profit financial cooperative, you’re entitled to great rates and products that meet your unique needs. I assure you that member satisfaction is a top priority at the Credit Union, and we strive to consistently meet the needs of our member-owners. Our team is not only devoted to offering you the best rates and superior service, but also convenient, personalized financial solutions, and financial education, empowering you to take control of your financial future.


Our team is honored to serve our member-owners with respect and integrity while also supporting the Central Ohio community we call home. I personally invite you to let us show you how we can make or save you money, therefore enriching your financial life.


In closing, we’re fortunate to be surrounded by good people at KEMBA, both our loyal members and talented, dedicated associates. As a team, we are committed to continue making KEMBA Financial the best place to bank for you, our member-owners, and the best place to work for our associates.





Mark Decello
President & Chief Executive Officer




KEMBA Financial Credit Union Annual Report

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KEMBA Monthly Financial Statement

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Important Privacy and Account Information

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How Your KEMBA Funds Are Insured

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Hassle-Free C... High Performa... Fresh Start
Tiered interest rates No No
Earn monthly dividends No No No
Free rewards package No No No