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Quick rates

For a full list of rates, click either Deposit Rates or Loan Rates for the appropriate type of product.

Car Loan:2.24%*Credit Card:7.49%*
Boat/RV Loan:4.24%*Motorcycle/ATV Loan:4.49%*
Money Market:.50%**Home Equity Loan:4.49%*
Share Certificates:2.00%**Home Equity Line of Credit:3.00%*
*as low as**as high as
Truth In Savings/Rate and Fee Disclosure

Rates are effective as of 07/12/16. Rates are subject to change and credit approval.

  • Android & Samsung Pay Android Pay Shop how you want. Choose your device, add your credit or debit cards, verify through UKFCU, and you’re all set. Wherever you are — at a store or in an app — you’re ready to use Android Pay. Your card info stays safe When you shop at a merchant, Android Pay doesn’t send your actual credit or ...
  • Your Card UKFCU has many credit card options to choose from. With no annual fees, rewards and rates as low as 7.49%. We are sure there is a card just for you! To learn more about our Credit Cards click here.
  • Home Equity Home Equity Whether you’re looking forward to making those home improvements, or need to send your child to college, your credit union has options to fit your needs. With either a fixed amount Home Equity Loan, or a Flexible Home Equity Line of Credit, UKFCU’s Home Equity programs are designed to put your home to work ...
  • Checking With unlimited check writing, 24 hour ATM/Debit card access and Online Bill Pay, UKFCU’s Checking Account is FREE, flexible and convenient. You have the choice to use your account in a way that best fits your lifestyle. Six branches give you access to your account in person. Online and mobile banking give you 24 hour ...
  • Grand Opening CD Special! Celebrate with us as we open our 6th Branch at Tates Creek! Savings as easy as 1-2-3! Hurry in–this is a Limited Time Offer!
  • LexArts SMART Card Holders Special Offer! Did you know you can join the UK Federal Credit Union? The credit union is one of the best places for you to keep your money and get loans. We offer some of the best rates in town. PLUS as a LexArts SMART Card holder, we’ll put $50 in your new account! To join, visit one of ...
  • Dealer Auto Cash – Get $20 Shell Gas Card or $50 Visa Gift Card Receive a FREE $20 Shell gas card by bringing the Dealer Auto Cash Form to a participating dealership. Or, upgrade to a $50 VISA® gift card when you purchase a vehicle from a participating dealership and finance your loan with UK Federal Credit Union! Call or visit to get pre-approved before you shop or tell your ...
  • Should Your Student have a Credit Card? As summer is drawing to a close, college students are gearing up to head back to school.  Many colleges start in August, so it’s a good idea for students and parents to begin to prepare themselves as early as possible. While you take advantage of store sales on twin sheet sets and funky dorm decorations, ...
  • Back to School Money Saving Tips! The lazy days of summer are slowly winding down. In the weeks ahead, many kids across the country will say farewell to swim parties and play dates in exchange for school books and packed lunches. The annual prep for back to school comes with a cost. According to the National Retail Federation, the average family with children in ...
  • Tips on setting up your first 401K You got the job. Congratulations! At the orientation, the benefits office is going to give you a huge booklet about your retirement plan (or a link to a website that would cause a laser printer to catch fire if you tried to print it all). Here’s what not to do: Set the booklet aside, promise ...
  • Tates Creek Branch Now Open!   Tates Creek Branch is Now Open!  689 Wilson Downing, Lexington, KY 40517 As credit unions continue to increase their memberships nationwide, the University of Kentucky Federal Credit Union (UKFCU) is no exception. Opening its sixth location in order to meet the needs of its nearly 64,000 members. The new facility will offer more convenient access to members in the ...
  • Tips to Save Money and Prioritize Debt We all want to be more responsible with our money. While that sounds great in theory, it can get confusing once you start to break things down. Emergency funds, savings funds and debt all need to be addressed regularly, but trying to figure out a consistent method leaves some paralyzed with indecision. One of the problems ...
  • Tips to Celebrate 4th of July on a Budget The Fourth of July is a great time to celebrate with friends and family. But if you’re buying food, drinks, decorations and festive outfits, Fourth of July parties can get expensive fast – and holiday travel isn’t cheap either. Follow these suggestions to have a fun Independence Day on a slim budget. 1. Host a potluck. If ...
  • Fun and Frugal Activities for Summer It is important to have the chance to do something that lets you relax and have fun. It can be hard to do that when you are on a tight budget. Staying in can get old, and it may be tempting to break your budget so that you can have a little bit of fun each week. ...
  • Tips on How to Manage your Money after College Graduation Just graduated from college? Congratulations! You’ve made it to one of the major milestones in life, and you’re looking at a world of possibility. So how do you make the most of starting this new, post-university phase of life? One of the most important things to understand as you transition from college student to real world, ...
  • House Hunting Tips for Buyers and Sellers Real estate is growing strong in 2016. First-time and entry-level buyers find little inventory but lots of competition, leading to a frustrating seller’s market. For sellers, this means quicker and easier sales, if they cross their t’s and dot their i’s. For buyers, this means fighting it out with others for their dream home. Here are tips for ...
  • A mortgage you can count on.* Home Mortgage *All mortgage services provided by our partner, SWBC, a well-established mortgage banking rm SWBC was selected to process and close home loans for our members due to their excellent reputation, their financial strength and stability, and their wide array of loan products. NMLS #9741. Federally insured by NCUA. Equal Housing Lender. Your home can be ...
See More Blog Entries
  • Consumer Alert: Scammers Change Tactics, Once Again Consumer Alert: Scammers Change Tactics, Once Again IR-2016-40, March 14, 2016 WASHINGTON — Aggressive and threatening phone calls by criminals impersonating IRS agents remain a major threat to taxpayers, but now the IRS is receiving new reports of scammers calling under the guise of verifying tax return information over the phone. The latest variation being seen in the ...
  • 9.17.2015 Email About Unauthorized ACH/Automatic Draft is a Scam The image below is a screen shot of a recent scam email sent to UK employees including both UKFCU members and non-members. Members’ email and information has not been compromised. The fraudsters are blanketing UK’s public email list. The email states that a recent ACH/automatic draft transaction was rejected and to click the link to review ...
  • 8.18.2015 Update on Recent Email Scams Update on Recent Email Scams Recently some of our members have received email scams known as phishing. UKFCU has taken steps to protect our members security and to take down these cyber scams. Today we want to share information about how these scams work and what you can do to protect yourself. What is a Phishing Scam? Phishing ...
  • 8.10.2015 Email sent to UKFCU Members is a Scam! EMAIL SCAM-AUGUST 10! Another scam email hit UKFCU members Monday, August 10! UKFCU members were informed an ACH or automatic draft from their account had not cleared. THIS IS A SCAM. Do not click the link in the email or supply any information. UKFCU would not ask members to update information to online banking by email or inform ...
  • 9.10.2014 Home Depot Debit and Credit Card Compromise Update As many have heard, The Home Depot had a compromise that potentially impacts customers who used debit/credit cards at their stores in 2014 from April on. Remember that you are not responsible for unauthorized transaction that you report to UKFCU. If you notice any suspicious activity on your account, please let us know as soon as ...
  • 6.23.2014 P.F. Chang’s Data Breach UKFCU is closely monitoring the situation with the recent data breach at P.F. Chang’s. Click here for the latest information http://www.pfchangs.com/security/
  • 4.15.2014 UKFCU.COM is a Phishing Website! Please use caution when accessing UKFCU.org. Recently a website has been discovered using UKFCU.com, possibly fooling our members into thinking they are the University of Kentucky Federal Credit Union website. University of Kentucky Federal Credit Union suggests the following tips to avoid phishing websites: Make sure you are entering the correct site name – UKFCU.org not UKFCU.com. Type ...
  • 1.16.2014 Target Data Breach Update New light has been shed on the Target breach, which may now include 110 million people. It appears that someone managed to distribute malware onto Target’s Point-of-Sale terminals. The malware parses data briefly stored in the terminals (stripe data) and then stored on the target servers for download. The username and password used to access ...

Upcoming Events

Click an event listed below to see more information. Click to open/close all events listed below.

Mon 09/05/16: Labor Day Closing

Title: Labor Day Closing
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Mon 10/10/16: Columbus Day Closing

Title: Columbus Day Closing
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Thu 11/24/16: Thanksgiving Day Closing

Title: Thanksgiving Day Closing
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Mon 12/26/16: Christmas Closing

Title: Christmas Closing
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