KEMBA Financial Credit Union, Inc. is a member-owned credit union headquartered in Central Ohio with branches including one in Gahanna. Founded in 1933 as the credit union for Kroger Bakery employees (KEMBA stands for Kroger Employee Mutual Benefits Association), it now serves over 133,000 members across Central Ohio and the tri-state region. The credit union offers personal banking services including checking, savings, auto loans, mortgages, and credit cards.