Quick rates

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

Car Loan:1.99%*Credit Card:7.24%*
Boat/RV Loan:3.99%*Money Market:.50%**
Home Equity Loan:4.49%*Share Certificates:1.65%**
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 08/13/15. Rates are subject to change and credit approval.

  • Home Equity Lets Your Home Work For You! 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 for ...
  • Be a Smart Cookie…Open a Free Smart Checking Account & Enjoy Thanks-A-Lot Girl Scout Cookies! Be a Smart Cookie… Open a Free Smart Checking account & enjoy Thanks-A-Lot Girl Scout Cookies! Free Smart Checking account for students No minimum balance No monthly service fee Free text and e-mail alerts** First box of checks is free Free bill pay 24-hour online banking Visa credit card offered***Free mobile banking On-Campus Access – 24-hour free ATM access and a UK Campus Branch ...
  • Better Your Auto Loan with Cash Back Sure, your car takes you from point A to B, but it really becomes part of your life. You’ve created memories with road trips, family vacations, checked on your sleeping child in the rear view mirror and maybe just simply enjoyed a perfect summer day with the windows down listening to your favorite song. You spend ...
  • 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 ...
  • College Students and Credit Cards – Tips From UKFCU Should My College Student Get a Credit Card? As summer draws to a close, college students are heading to school. While you are taking advantage of store sales on twin sheet sets and dorm room decor, there are a few other things you and your student should consider – one of the most important being finances. Until ...
  • Start Saving & Avoid Debt with these UKFCU Tips! Check out These Financial Tips to Start Saving and Avoid Credit Card Debt In a recent survey, the National Foundation for Credit Counseling found that two out of five Americans don’t have a monthly budget. About the same portion carry credit debt every month. Below are some hints you may find useful for helping manage your money. • ...
  • Save Money This Summer With Tips From UKFCU Summer is here and our thoughts turn to vacations, the outdoors, sun and heat!  We’re almost halfway through the calendar year and finding ways to save money will help you stay on budget! Almost half the energy your home uses is for heating and cooling, according to Energy Star. It’s estimated for each degree a thermostat ...
  • 4 Strategies To Help You Buy A Home Rents are projected to outpace home values by the end of the year, according to Zillow. So, it’s a good time to consider buying a home.  Fixed mortgage payments and a more stable market are other reasons to make the jump. Zillow projects that by the end of 2015, millennials will become the largest home-buying age group. Whether ...
  • 5 Smart Ways to Use Your Tax Refund Many of us have received a tax refund. Here are some things you may consider to improve your financial well-being. Emergency Fund – If you don’t have an emergency fund, consider starting one with the proceeds from your tax return. Some experts say you need at least three months expenses readily available to you while others ...
  • Financial Tip – Refinancing Your Auto Loan   You’ve likely heard about the benefits of refinancing a home loan. With today’s low interest rates, those who have enough equity in their home and the credit required for a refinance could lower their monthly payments considerably. But did you know that, similarly, you could lower your car payments by refinancing your auto loan? A common misconception about ...
  • Year-End Tax Statements – Information for UKFCU Members If you  receive a paper statement each month, your 2014 year-end statement will be arriving in the mail. For members who have signed up for e-statements, your year-end tax statements are now available. Follow these five steps to get your statement. Log-in to online banking. Click the Documents tab. To the right of the Tax Forms button, select the ...
  • Tips to Bring Down the Cost of Textbooks Tips to Bring Down the Cost of Textbooks People talk about the cost of college textbooks rising and some college students report paying up to $1,168 a year for their school books. As if there aren’t enough college expenses to worry about. Fortunately, there are ways to save money on textbooks. Buying online, renting, and using a ...
  • 5 Tips for Eating Healthy on a Budget in 2015 It’s that time of year again, the time for fresh starts and New Year resolutions. Two of the most common resolutions are: 1) To maintain a healthier lifestyle and 2) To spend less money. So what is better than combining the two and learning how to eat healthy on a budget? Below are five tips ...
  • Emergency Funds – What’s the Right Account for You Emergency Funds – What’s the Right Account for You Okay, you’re convinced you need an emergency fund. It has to be something absolutely safe yet readily available when needed. A good place to start is at your local financial institution, one which understands and is involved in the local community, such as you guessed it, UKFCU.  Here ...
See More Blog Entries
  • 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 ...
  • August 10 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 ...
  • 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 ...
  • P.F. Chang’s Data Breach – Update 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/
  • WARNING – 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 ...
  • 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 09/07/15: Labor Day Closing

Title: Labor Day Closing
Time: All Day
Location: All Branches
Description: All UKFCU branches will be closed Monday, September 7 for Labor Day. Online banking and ATMs are open 24/7

Mon 10/12/15: Columbus Day Closing

Title: Columbus Day Closing
Time: All Day
Location: All Branches
Description: All UKFCU branches will be closed Monday, October 12 for Columbus Day. Online banking and ATMs are open 24/7.

Wed 11/11/15: Veterans Day Closing

Title: Veterans Day Closing
Time: All Day
Location: All Branches
Description: All UKFCU branches will be closed Monday, November 11 for Veterans Day. Online banking and ATMs are open 24/7.

Thu 11/26/15: Thanksgiving Day Closing

Title: Thanksgiving Day Closing
Time: All Day
Location: All Branches
Description: All UKFCU branches will be closed Thursday, November 26 for Thanksgiving Day. Online banking and ATMs are open 24/7

Thu 12/24/15: Christmas Eve Closing

Title: Christmas Eve Closing
Time: All Day
Location: All Branches
Description: All UKFCU branches will close at 2:00 p.m. on Christmas Eve.

Fri 12/25/15: Christmas Day Closing

Title: Christmas Day Closing
Time: All Day
Location: All Branches
Description: All branches will be closed Thursday, December 25 for Christmas Day. Online banking and ATMs are open 24/7.


fblogotwitterlogoyoutubelogo instagram-logo-vector local_first_logoLMCUwebpagelogo