Kemba Delta

3108 N Germantown Rd, Ste 106, Bartlett, TN 38133

NCUA Insured3.9 (28 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1934

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Bartlett, TN may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1934

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

3108 N Germantown Rd, Ste 106

Bartlett, TN 38133

Google Maps 🗺Waze

(901) 795-9055

Service Area

This credit union is located in Bartlett and serves members in the TN area. Currently serving 5,004 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.25%

Used Auto Loan

8.30%

Personal Loan

17.07%

Credit Card APR

13.90%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in TN

Lowest rates currently reported by credit unions in TN (NCUA Q4 2025).

Bowater Employees— New Auto Loan

Calhoun, TN

1.99%

Select Seven— Used Auto Loan

Johnson City, TN

4.00%

Cn/Ic Employees— Personal Loan

Memphis, TN

5.00%

Tennessee Employees— Credit Card APR

Nashville, TN

7.90%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(2 total)

Member Reviews

3.9

28 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Thachosen1111 -

a year ago

I have been banking here for over 15 years and never had a bad experience until I spoke to Paulette. She is not friendly and she does not greet you on the phone AT ALL! Honestly, I felt as if I was bothering her for inquiring about a loan application that I submitted on Monday which was a holiday and I gave her time and decided to call Wednesday. As I gave her my account number she stated “give me 30 minutes”. I then proceeded to ask if I would receive a phone call, an email, or should I call back. She stated I’ll call you. I received an email two hours later, which I was denied and I was okay with that decision, but it was just weird that she stated she would call in 30 minutes and I received an email hours later. I honestly think she should retire and put someone who is vibrant and able to greet their customers and communicate in a professional manner. On the bright side I love Ms. Sally, she has always treated me nice and is very professional.

Charity Stone

6 months ago

They never answer the phone when you need them to. It’s ridiculous.

Tracie Green

7 years ago

They have been good to me so far. I had called one day to change my loan date an the guy said he changed it but he really didn't I was charged a $25.00 late fee an I called back an talked with the same guy , I had to let him know that I talked with him other than that every thing has been good

Brittney Ray

9 years ago

The WORST credit union! more recently had an auto loan with them and dealt with payments being lost and harassment from the collections manager who returned calls every other week. His facts were always inconsistent and he never wanted to take ownership for his errors. It took for the branch manager to finally get involved to get some resolve to the situation. They are unaccommodating, unhelpful and not someone you want to do business with when it comes to money. I had such a terrible experience with them when it comes to communication and competency on their customer's accounts. AVOID!