Kemba Financial Credit Union Credit Cards

Kemba Financial Credit Union is a leading credit union and credit card issuer in central Ohio that offers credit cards for everyday use. Browse credit cards below.

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About Kemba Financial Credit Union

Kemba Financial Credit Union (sometimes stylized as KEMBA) is a Central Ohio-based credit union with a long history.

The credit union traces its roots to 1933 as the credit union for employees of the Kroger Company – a role it still fulfills to this day. That’s actually what KEMBA stands for – Kroger Employee Mutual Benefits Association.

The first branch of Kemba was located in the Kroger bakery until relocating in 1971. The headquarters changes again in 2006, to its current location in Gahanna, OH.

Today, Kemba still serves Kroger employees, as well as employees of over 175 additional companies – and anyone that lives, works, attends school, or worships within its service area. The credit union currently boasts more than 100,00 members nationwide and over $1 billion in total assets.

Membership Eligibility

Who can join Kemba? Joining is a straightforward and simple process. Anyone who meets the following membership criteria is eligible to join Kemba:

  • Those who live, work, worship, or attend school in the following Central Ohio counties:
    • Delaware
    • Fairfield
    • Franklin
    • Licking
    • Logan
    • Madison
    • Union
  • Employees or Kemba partner companies, including the Kroger Family of Companies
  • Immediate family members of existing Kemba members

Becoming a Kemba member requires opening an account with eh credit union. The minimum deposit is $5. Once deposited, you’ll enjoy all the benefits of Kemba membership.


Kemba currently operates ten branches in Central Ohio. These branches are in the following cities and town:

  • Bellefontaine
  • Clintonville
  • Gahanna
  • Grove City
  • Hillard
  • Pickerington
  • Powell
  • Reynoldsburg
  • Westerville
  • Whitehall

For a complete listing of locations, including ATMs, directions, and lobby hours, please visit Kemba’s dedicated branch locations page for more information

FAQs About Kemba

Here are answers to common questions about KEMBA Financial Credit Union:

  • The ABA routing number for KEMBA is 244077556.
  • While Kemba is the credit union for the Kroger Family of Companies, membership is also open to employees for over 175 companies, and those who live, work, go to school, or worship near a Kemba branch.
  • KEMBA stands for Kroger Employee Mutual Benefits Association.
  • The easiest way to contact a Kemba customer service representative is to call locally at 614-235-2395, or toll-free at 1-800-282-6420.

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