Become a UKFCU Member Today!
Joining UKFCU means you’re not just an account holder – you’re a valued member.
We bleed blue, just like you! We're so excited for basketball season to be back that we want to help celebrate the Cats when they win.
And how are we going to reward the UK fanbase? By offering 0.25% off* the rate for any new direct auto loan for two weeks following a University of Kentucky Basketball win!
Thanks to the Cats' most recent win, you have until November 18th! So, what are you waiting for? Apply for your auto loan today!
UKFCU Buy-Down Program
Plus, you can combine this offer with three other qualifying events to get up to 1% off your auto loan! That's because "Cats Roll, You Roll⁸" is part of the UKFCU Buy-Down Program**, which allows members to complete 4 out of 8 criteria to get up to 1% off their auto loan! These include:
- Auto Pay from a UKFCU Account1
- Direct Deposit with UKFCU2
- UKFCU Auto Loan Payoff Discount³
- UKFCU GAP Advantage Program⁴
- UKFCU Vehicle Warranty⁵
- UKFCU Credit Life/Disability⁶
- Banzai Plus Course⁷
- Cats Roll, You Roll⁸
- Enroll in BlueVantage Checking
Want to learn more about the UKFCU Buy-Down Program? Just click the button below!
Live your best financial life with UKFCU.
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Become a UKFCU member today.
When you meet our qualifications, opening a membership is easy and you can join online.
* Offer valid for two weeks following the most recent win by the University of Kentucky Football Team during the 2025/2026 season. Offer includes a 0.25% (25 basis points) discount off the Annual Percentage Rate (APR) when applying for a direct auto loan at UKFCU at time of application date. See Buy-Down Program conditions for more. Membership Eligibility required. Minimum deposit of $5 required to open Prime Share account. UKFCU reserves the right to end the promotion without notice. Offers may not be combined. Please see a representative for additional details. UKFCU employees are excluded from this promotion. Federally insured by NCUA.
** All new and used vehicle loans (7 years old or newer) are eligible for rate Buy-Downs, except Boat/PWC/RV, Motorcycle, and ATV/UTV loans. The member may choose up to four buy-down options, each buy-down valued at 0.25% each, for a maximum buy-down amount of 1%. Multiple services of the same product will count as one buy-down (i.e., Credit Life and Credit Disability). Buy-downs are non-transferable. All buy-downs should be presented by the time of funding. All used vehicle loans (over 7 years old) are eligible for one rate Buy-Down specific to LTV under 70%.
1 Must have automatic payments set up to pay from a UKFCU account.
2 Direct deposits must be a minimum of $200 per month, must be established via ACH with deposit history in the account *OR* the member must provide documentation from their employer that it has been set up. Direct deposit buy-down qualifying transactions include ACH Payroll from Employer; UK Payroll deduction; Retirement Benefits; Stock Dividends; Structured settlement; and Government benefits including SSA, Disability, and Child Support.
3 Trading and paying off existing UKFCU auto (excluding internal refinance).
4 Purchase a GAP or Depreciation Protection plan offered by UKFCU.
5 Purchase Extended Service Agreement (MBP/VSA).
6 Purchase UKFCU Credit Life and Disability insurance.
7 Take a Banzai Plus! Budget Course (only available to existing members); each member can only complete the course one time.
8 All new and used vehicle loans (7 years old or newer) are eligible for 0.25% rate discount if front-end LTV is less than 80%.
9 Other Secured Auto Loans are eligible for one rate Buy-Down (0.25%) specific to LTV under 70%.
¹⁰ Offer valid for two weeks following the most recent win by the University of Kentucky Football Team during the 2025/2026 season. Offer includes a 0.25% (25 basis points) discount off the Annual Percentage Rate (APR) when applying for a direct auto loan at UKFCU at time of application date.
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