New Member Guide

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Thank You for Choosing KEMBA Financial Credit Union!

You're a member-owner of Central Ohio's largest locally based credit union, more than 115,000 members strong. You'll quickly see you're much more important to us than a number. We pledge to provide you with attentive, personalized service and access to the best rates, tailored solutions and valuable resources so you can take control of your financial future.



Welcome to personalized service, great rates, individual solutions, and convenience...with a track record of serving Central Ohio since 1933 when we began as the credit union for the employees of The Kroger Bakery. In fact, KEMBA stands for Kroger Employee Mutual Benefits Association.
Whitehall Credit Union Branch

We have branches across Central Ohio to serve you, along with complete Digital Banking services, automated telephone banking, more than 50,000 surcharge-free ATMs and more than 5,500 shared branching locations nationwide.
24/7 Convenience

Accessing Your Account

When is your account available? Anytime you need it.
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Digital Banking

Telephone Services

For quick, 24/7 access to your accounts via the phone, call 800.282.6420, option 1. You can check balances, make loan payments, transfer funds, and more.

In-Person Options

Visit any of our conveniently located Central Ohio branches where one of our team members will be happy to answer your questions and take care of any special requests. You'll also find our KEMBA Interactive Tellers (KITs) at your service. These special kiosks connect you to a live KEMBA teller anytime you need assistance during normal business hours. Plus, you can make deposits at KITs 24/7 and utilize ATM services.

You also can locate a Shared Branch in our vast network of credit unions that support each other's members by providing friendly, helpful service throughout the United States.
A better way to bank

Manage Money with Us

Everyday banking is a breeze with KEMBA's checking accounts and all the Digital Banking tools and convenient debit card that come with them.
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Save With Us

Whether you're saving for the short term or the long haul, we have various accounts to help you get more for your money.

Borrow With Us

Because we're a financial cooperative owned by members like you, we're generally able to offer lower rates on all the loans you need, including auto loans, personal loans, mortgages, home equity loans and lines of credit, credit cards, student loans and loans for your business.

Financial wellness

Learn With Us

At KEMBA, we go beyond our accounts and services. Way beyond. We also provide insight, guidance and financial education materials to help you do more with your money. Tap into our financial literacy tools, financial counselling and calculators

Let's Talk

Contact Us

Need to reach us? We make it easy. Choose the options that work best for you. We're eager to assist.

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Virtual Branch Hours

Monday – Friday:
8:00 AM – 6:00 PM
Saturday: 8:00 AM – 1:00 PM

Live Chat - link needed


Phone: 888.882.0598
Corporate Headquarters
555 Officenter Place
Gahanna, OH 43230

Member Services Contact Information

Phone: 614.235.2395
Toll-Free: 800.282.6420
Fax: 614.324.8360

Mailing Address

PO Box 307370
Gahanna, OH 43230


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Earn more save more

Get more perks as a KEMBA Advantage member.

Use KEMBA as your primary financial institution to enjoy rate bonuses on deposits and discounts on loans. Earn more, save more!

 Become a member

Come see why we're a better way to bank.

Open an account