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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 09/01/16. Rates are subject to change and credit approval.

  • Share the Rewards! Life is better with friends. Banking is better with your credit union…share it! Now through October 31, 2016 refer a new member to UKFCU and you each receive $25!* Download the Member Referral Form and start banking with your friends today! Eligible individuals may apply for membership online by clicking the JOIN NOW button below, calling 859.264.4200, or ...
  • Welcome Home! Home Mortgage Your home can be the biggest and most involved purchase you will make. Let UKFCU provide you with valuable tools to help make your home buying experience as smooth as possible. Since we know everyone’s situation is different, we’ll deliver the home mortgage that’s right for you. UKFCU has joined with SWBC Mortgage to customize ...
  • Mobile Pay A New Way to Pay Your UKFCU Visa card and debit card and Apple Pay will change the way you pay. Pay with a single touch Use Apple Pay and your UKFCU Visa card to pay the easy, secure and private way at hundreds of thousands of stores and participating apps. See a complete list of Apple Pay ...
  • Student Loans A Better Way to Pay for College! UKFCU offers student loans to help fill the gap federal aid can leave behind. We partnered with other credit unions to form Credit Union Student Choice to offer low cost financing options. You or a family member can now achieve the dream of higher education. Our student loan is designed ...
  • 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 ...
  • Share the Rewards! Life is better with friends. Banking is better with your credit union…share it! Now through October 31, 2016 refer a new member to UKFCU and you each receive $25!* Download the Member Referral Form and start banking with your friends today! Eligible individuals may apply for membership online by clicking the JOIN NOW button below, calling 859.264.4200, or ...
  • 5 Reasons to House Hunt in the Fall Spring and summer are prime seasons for buying and selling real estate. The weather is milder and more conducive for a move, and if you have kids, summer lets you settle into a new place before the little buggers head back to school. But while May to September are considered the best times of the ...
  • 9 Money Moves to Make before the Fall Season As yet another fun summer season winds down, there’s no better time than the start of autumn to take a look at our finances to see where we can make adjustments. Consider these 9 money moves to make before the leaves change. Get Back to Budget Reality Summer activities can put budgeting on the back burner as ...
  • 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 ...
  • 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, ...
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 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 Day Holiday

Title: Christmas Day Holiday
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Mon 01/02/17: New Year\'s Day Holiday

Title: New Year\'s Day Holiday
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