KEMBA will be closed on Monday, October 13, 2025 to observe Columbus Day.

Start a Chat

Open an Account

Apply for a Loan

MyBranch Online Banking |

Log In

MyBranch Online Banking |

Log In

Start a Chat

Open an Account

Apply for a Loan

KEMBA is Here for Your Financial Needs!

KEMBA Indianapolis Credit Union started on October 9, 1933, when a group of Indianapolis Kroger employees came together to create a safe and reliable place to save and borrow money. That’s where our name comes from—KEMBA stands for Kroger Employee Mutual Benefits Association.

 

As we’ve grown, we’ve expanded to welcome additional employers and communities. Through it all, our mission has stayed the same: to provide a secure, trustworthy place for people to manage their money and reach their financial goals.

 

The Who, What, When & Where of KEMBA

If KEMBA isn’t located directly in your neighborhood, we offer many convenient ways to bank with KEMBA in Indianapolis or across the country.

Location Information

Contact a KEMBA representative to assist you with your account(s) and answer your questions.


Call or email us

KEMBA Credit Union is a not-for-profit financial institution that is owned and controlled by its members. Credit unions provide financial services and products to their members and often offer better rates and lower fees compared to traditional banks.


Learn more about KEMBA Credit Union

View our current Fee Schedule


Fee Schedule

Join

KEMBA

Now, almost anyone in Central Indiana can join KEMBA! If you live or work in these Central Indiana counties, you are eligible to become a member:

 

  • Marion (excluding Pike Township)
  • Boone
  • Hamilton
  • Hancock
  • Hendricks
  • Johnson
  • Madison
  • Morgan
  • Shelby

See what our members have to say about KEMBA:

I joined KEMBA in 1959. The credit union was located on Kroger Bakery property in a trailer. The employees are very friendly and helpful. I financed my first car at KEMBA and many thereafter. KEMBA financed my home, and many, many other loans. I would say I am one of the oldest members. My relationship with KEMBA has always been excellent. If a prize was awarded to the oldest member, I would certainly be a top candidate, LOL.I retired from the Kroger Bakery, and I intend to continue be a member, and hopefully one day I will be the oldest member!
RogerMember since 1959
During a difficult time, when credit availability was extremely scarce to come by, Ashley helped to bring us back from the brink. A consummate professional who provided the lifeline that brought us back into financial security and stability. If you want better financial stability and unbelievably service minded folks who ACTUALLY care about the PEOPLE who make up the lifeline of a financial security institution; then I’d go KEMBA. Ask for Elliot or Ashley!
AndrewMember since 2019
I’ve had a great experience banking with KEMBA Credit Union. Their customer service is always friendly, helpful, and easy to reach, whether I’m in a branch or calling with a question. I appreciate how convenient their online and mobile banking is—it makes managing my money simple and stress-free. KEMBA feels like a credit union that truly cares about its members, and that’s why I continue to bank with them.
JayMember since 2010
My experience with KEMBA Credit Union has been great. KEMBA helped me consolidate a couple of high interest loans.  I was paying over 29% interest.  Now I have a more affordable loan paying only 9% interest saving me almost $300 a month! The staff is professional, courteous and always willing to help their members any way they can. KEMBA has programs in place to help educate members on smart banking as well as how to manage credit.  I recommend KEMBA Credit Union to anyone looking for a good banking institution!
JohnMember since 2015
I went to KEMBA and talked to Ashley about my financial situation.  Then she told me KEMBA can help me save a lot of money.  We sat down and added up all my debts.  KEMBA ended up saving me over $4,000!  No other bank said they could help me.  KEMBA did and that’s why I will continue to recommend relationships with KEMBA Credit Union!
JoshuaMember since 2015
I opened an account with KEMBA specifically for an auto loan. Top to bottom, great service and knowledgeable staff. Once the vehicle was paid off, I received the title in the mail within 3 weeks. Looking forward to financing my next vehicle through KEMBA when the time comes. I would recommend to anyone with banking needs
LouisMember since 2017
I have been a KEMBA Credit Union member since 1980. I wouldn't go anywhere else for my banking needs, Everyone is nice and helpful!
SandraMember since 1980
I've been a member for 30+ years. KEMBA has helped me purchase vehicles when no one else would. From the beginning, they have helped me in my time of need. From personal loans to auto loans. They helped me establish credit, when everyone else would not give me the opportunity. I will always be a member! I encourage others to join. Thank You KEMBA!
James WMember since 1989
I have been a member for over 15 years. Two checking accounts, a savings account, an IRA and two car loans. If there is an issue, which is rare, it’s taken care of quickly. Jenn is very efficient and fun to work with. They make banking easy!
ChristineMember since 2010

KEMBA is Privately Insured by American Share Insurance

By member choice, KEMBA partners with ASI (American Share Insurance). They are the nations largest provider of private insurance. As a KEMBA member, your account(s) will be insured up to $250,000, regardless of how many accounts one member holds. Since 1974, the name ASI has been interchangeable with strength and trust. No credit union member has ever lost money in an ASI-insured account!


ASI insures accounts for more than 1.2 million credit union members, including those at KEMBA Indianapolis Credit Union. Unlike other financial insurance providers, ASI is very careful about the clientele it chooses. It only insures credit unions that carry minimum risks. Meaning, they will not insure credit unions that are heavily invested in mortgage-backed securities, exotic investments or risky investments that have a history of failure.

 

Choosing an ASI-insured credit union should give you peace of mind for two reasons. One, your assets are safely insured by ASI when you put it in a KEMBA Credit Union account. Two, ASI wouldn’t insure KEMBA Indianapolis Credit Union if our business practices weren’t in line with their risk reduction strategies

ASI Logo