|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Kemba Delta Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 29, 2026
Kemba Delta Federal Credit Union's CDs - 18 month rates are at 3.00%, CDs - 12 month rates are at 2.75%, CDs - 6 month rates are at 2.50%. Kemba Delta Federal Credit Union's savings rates are at 0.10%. Kemba Delta Federal Credit Union's checking rates are as high as 0.10%. Kemba Delta Federal Credit Union's CD rates are 5% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Kemba Delta Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.32%. Rates last updated and verified on 10/29/2026. Kemba Delta Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Kemba Delta Federal Credit Union? Share your experience about Kemba Delta Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Kemba Delta Federal Credit Union. Kemba Delta Federal Credit Union
Kemba Delta FCU 3108 N Germantown Rd
https://www.kembadelta.org Bartlett, TN 38133  Customer Reviews
Be the first to review
Write a Review
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Kemba Delta Federal Credit Union CD Rates
Kemba Delta Federal Credit Union Savings Rates
Kemba Delta Federal Credit Union Checking Rates
Kemba Delta Federal Credit Union Other Rates
Financial Health HistoryKemba Delta Federal Credit Union’s Texas Ratio rose from 2.47% in Q3 2023 to 3.32% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Kemba Delta Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Kemba Delta Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Kemba Delta Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Kemba Delta Federal Credit Union
Website
https://www.kembadelta.org
Address
3108 N Germantown Rd,
Bartlett, TN 38133
Phone
901-795-9055
Fax
901-795-9063
President
Robert Peggs
CEO
Carter Ridgway
Full-Time Employees
6
Part-Time Employees
0
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.32%
Return on Assets (ROA)
0.9326%
Return on Equity (ROE)
3.1673%
Non-Performing Loans Ratio (NPL)
3.17%
Total Assets
31,217,484
Total Amount of Shares and Deposits
21,442,253
Total Shares and Deposits < 1 Year
21,074,240
Total Shares and Deposits 1 3 Years
368,012
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,045,570
Total Uninsured Shares and Deposits > $250K (F+J)
1,045,570
Total Insured Shares and Deposits > $250K (item 17 less item K)
20,396,683
Total Interest Expense (Sum of items 6 8)
60,803
Share Certificates
90
Number of Accounts for Share Drafts
2,676
IRA KEOGH Accounts
89
Number of Accounts for Regular Shares
6,976
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
3,166,643
Total Liabilities
22,025,440
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Kemba Delta Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Kemba Delta Federal Credit Union
Frequently Asked Questions About Kemba Delta Federal Credit UnionDoes Kemba Delta Federal Credit Union offer CDs?Yes. Kemba Delta Federal Credit Union current CD rates include its CDs - 18 month at 3.00% APY, its CDs - 12 month at 2.75% APY and its CDs - 6 month at 2.50% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Kemba Delta Federal Credit Union NCUA insured?Yes. Kemba Delta Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Kemba Delta Federal Credit Union?The highest Kemba Delta Federal Credit Union CD rate is its CDs - 18 month at 3.00% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Kemba Delta Federal Credit Union offer?Kemba Delta Federal Credit Union CD rates are 2.50% APY for a 6 month CD, 2.75% APY for a 12 month CD and 3.00% APY for an 18 month CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Kemba Delta Federal Credit Union for its full lineup. What is the highest savings rate at Kemba Delta Federal Credit Union?The highest Kemba Delta Federal Credit Union savings rate is its Share (Savings) & Vacation Club at 0.10% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest checking rate at Kemba Delta Federal Credit Union?The highest Kemba Delta Federal Credit Union checking rate is its Share Draft (Checking) at 0.10% APY, verified by MonitorBankRates as of October 29, 2026. How many branches does Kemba Delta Federal Credit Union operate?Kemba Delta Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Kemba Delta Federal Credit Union?Yes, to access services at Kemba Delta Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Kemba Delta Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Kemba Delta Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Kemba Delta Federal Credit Union offer online and mobile banking?Most modern institutions like Kemba Delta Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.kembadelta.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Kemba Delta Federal Credit Union rates compare?Kemba Delta Federal Credit Union's CD rates are 5% lower than the MonitorBankRates national average, and it has an A+ health rating. Kemba Delta Federal Credit Union's top rates are its CDs - 18 month at 3.00% APY, its Share (Savings) & Vacation Club at 0.10% APY and its Share Draft (Checking) at 0.10% APY, verified by MonitorBankRates on October 29, 2026. Current Kemba Delta Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Ripco Credit Union
Dacotah Federal Credit Union
Cumberland County Federal Credit Union
Priority Credit Union
Upward Credit Union
Franklin Regional Schools Federal Credit Union
Great Lakes Credit Union
Gulf Coast Educators Federal Credit Union
Ed-Med Federal Credit Union
Santa Cruz Community Credit Union
Guco Credit Union
Options Credit Union
Cleveland Church of Christ Federal Credit Union
The Peoples Federal Credit Union
Lufkin Federal Credit Union
Partners Federal Credit Union
Parish Federal Credit Union
Ohio Valley Community Federal Credit Union
Oregon Community Credit Union
Long Reach Federal Credit Union
Community Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
