Quick rates

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

Car Loan:2.49%*Credit Card:7.99%*
Boat/RV Loan:4.49%*Motorcycle/ATV Loan:5.24%*
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 04/18/17. Rates are subject to change and credit approval.

  • Enjoy Life. Enjoy Free. 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 ...
  • 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 ...
  • Enjoy the Open Road! Is your current interest rate significantly higher than what you could get today? UKFCU is a great choice when it comes to refinancing your auto loan.  Not only do we have interest rates as low as 2.49% -but you can also get 1% cash back** when you refinance your auto loan with us! Give us a call ...
  • Store it and watch it grow!* *Annual Percentage Yield. Rates current as of 4/18/17 and subject to change. Minimum deposit of $1000 required. Membership eligibility required. Other restrictions may apply. Federally insured by NCUA. Savings Share Accounts Share Certificates IRAs IRAs Looking for a better return on your dollar? An IRA Share Certificate allows you to lock in a higher interest rate. Minimum $1000 balance for IRA Share ...
  • Introducing Our New and Improved Mobile App! Before downloading the app, you need to enroll in online banking. If you are not enrolled in online banking, click here it’s easy. If you need help enrolling call 859.264.4200 or 800.234.8528. Click here for our easy 3-step instructions to get started with mobile banking.
  • 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 ...
  • Business Loans at UKFCU can help your business thrive! Business Accounts University of Kentucky Federal Credit Union has several business checking solutions to choose from, business deposits, merchant services and business lending to make your business a success. Click Business Accounts to learn more. Business Lending Business Loans at UKFCU can help your business thrive! Lee Jackson is the Business Relationship Officer at UKFCU. Jackson began his career ...
  • 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 ...
  • 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, ...
  • 9 Ways to Teach Kids about Money   How many of us look back on our childhood and wish we would’ve been taught more about money? A lot of people graduate from college without any idea how to manage their money or balance their bank account. Maybe you were one of them. Now that you’ve learned more about managing your money right, you want ...
  • Renting vs Buying – Which one is right for you? When Buying a Home Beats Renting The past few years have given rise to the notion that, counter to the long-held “American Dream,” buying a house isn’t always the right decision. Some people consider their financial situation and other factors and find it makes more sense to keep renting. But if you’re contemplating the decision, here are ...
  • 7 Tips to Save for your Summer Vacation! Have you ever created a budget for a trip and noticed a huge gap between what you need and what you’re earning? “How on EARTH can I possibly make that extra money?” you think to yourself. You’d be surprised to learn that there are a ton of ways to save, some of which you might ...
  • 4 Tips to Maximize your Tax Refund! Expecting a tax refund? How will you make the most it? If 2016 repeats taxpayers will likely park most of their refund in a savings account this year. The National Retail Federation or NRF found that nearly 50% of Americans planned to set aside their IRS checks in 2016. It marked the highest percentage of savers in the survey’s ...
  • Financial Planning at UKFCU Financial Planning Workshops New for 2017! Join us at our monthly Financial Planning Workshops and enjoy the opportunity to complete a full family financial plan with one of our CFS Advisors.*This informative and educational workshop will illustrate just how critical financial planning is prior to or just after retirement. You’ll learn how we work with each ...
  • 7 Things College students Should Know About Credit Cards 7 Things College Students Should Know About Credit College can be an excellent time to establish credit. Opening a credit card when you are young can help you attain a solid credit score in the future. The earlier you establish credit, the longer your credit history becomes and credit score calculators consider this a positive. Consider using ...
  • 5 Reasons to File Your Taxes Early 1. You’ll get your money as soon as possible. Of course, this is probably the most apparent reason to file early. The sooner you file for a refund, the sooner you’ll get it back. If you tend to procrastinate and file closer to Tax Day, the busier the IRS will be, and the longer it will ...
  • Coming Soon! We are redesigning a newer version of our website! Stay tuned for further updates!
  • Financial Tips for 2017 15 Financial Tips for 2017 1. Have An Emergency Fund Save enough to get you through three to six months of unemployment. That’s the average amount of time it takes to get a new job. If you find you’re being derailed by unforeseen events – like car repairs or vet bills – a chunk of cash will ...
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  • UKFCU.com is not affiliated with UKFCU Please be aware ukfcu.com is not affiliated with the University of Kentucky Federal Credit Union. Please make sure you are always using ukfcu.org when accessing our website. Thank you!

Upcoming Events

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

Mon 05/29/17: Memorial Day

Title: Memorial Day
Time: All Day
Description: All UKFCU Branches will be closed to observe Memorial Day. ATMs, Online and Mobile Banking available 24/7.

Tue 07/04/17: Fourth of July

Title: Fourth of July
Time: All Day
Description: All UKFCU Branches will be closed to observe the Fourth of July. ATMs, Online and Mobile Banking available 24/7.

Mon 09/04/17: Labor Day

Title: Labor Day
Time: All Day
Description: All UKFCU Branches will be closed to observe Labor Day. ATMs, Online and Mobile Banking are available 24/7.

Mon 10/09/17: Columbus Day

Title: Columbus Day
Time: All Day
Description: All UKFCU Branches will be closed to observe Columbus Day. ATMs, Online and Mobile Banking are available 24/7.

Sat 11/11/17: Veteran\'s Day

Title: Veteran\'s Day
Time: All Day

Thu 11/23/17: Thanksgiving Day

Title: Thanksgiving Day
Time: All Day
Description: All UKFCU Branches will be closed to observe Thanksgiving Day. ATMs, Online and Mobile Banking are available 24/7.

Mon 12/25/17: Christmas Day

Title: Christmas Day
Time: All Day
Description: All UKFCU Branches will be closed to observe Christmas Day. ATMs, Online and Mobile Banking are available 24/7.

Mon 01/01/18: New Year\'s Day

Title: New Year\'s Day
Time: All Day
Description: All UKFCU Branches will be closed to observe New Year\'s Day ATMs, Online and Mobile Banking are available 24/7.


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