Founded in 1934 as Kemba Cincinnati Credit Union by Kroger factory employees (the name derived from 'Kroger Employees Mutual Benefit Association'), KEMBA Credit Union is headquartered in West Chester, Ohio. It serves more than 130,000 members through 9 branches in Ohio, Kentucky, and Indiana, with about $1.8 billion in assets, offering checking, savings, auto loans, and mortgages.

KEMBA Credit Union traces its roots to 1934, when seven Kroger factory workers met in a cafeteria and started what became known as Kemba � short for Kroger Employees Mutual Benefit Association. Today it's grown into a $1.8 billion institution with branches across Ohio, Kentucky, and Indiana. Whether you're using KEMBA for checking, an auto loan, or a mortgage, add extra value with the Fluz app � buy gift cards or pay bills through Fluz and earn cashback on money you're already spending, all while banking with a credit union that started with Kroger break-room savings.