Credit Unions were established over a century ago by various communities and groups of employees of a company. In KEMBAs case, it was a group of Kroger employees. KEMBA stands for Kroger Employees Mutual Benefits Association. Basically, we provide a way to pool resources in a local banking institution as opposed to larger national organizations that don’t necessarily benefit the local community. Credit Union membership is exclusive to a specific group, or community. Only people within those groups were able to obtain services, just as it is today. That’s also why there is a latent incentive to have policies that are in the interest of the members and investors, like keeping rates low and dividends high.

Our mortgage partner, Member First Mortgage, offers many different programs.  We can help find the right program that best fits your situation!