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:1.80%**
Home Equity Line of Credit:4.00%*
*as low as**as high as
Truth In Savings/Rate and Fee Disclosure

Rates are effective as of 05/22/15. Rates are subject to change and credit approval.

  • Share the Rewards And Get $25 For You – $25 For A Friend! Life is better with friends. Banking is better with your credit union…share it! June 1 – 30 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 ...
  • Your Credit Union. Your Credit Card. When it comes to choosing a credit card to help with life’s unexpected expenses you need one that is straightforward. With a Visa from UKFCU you’re getting competitive rates with no hidden costs. The interest you pay is invested in your credit union and returned to you with lower loan rates and high quality services. Benefits ...
  • Open a New FREE Checking Account and Get $50! Enjoy FREE checking in all its glory! That’s right FREE. Plus, open a new checking account in May with direct deposit and e-statements and UKFCU will give you $50!* With unlimited check writing, 24-hour ATM/debit card access, online bill pay and mobile deposit, UKFCU’s checking account is FREE, flexible and convenient. You have the choice to use ...
  • Home Equity Loans & Lines of Credit Whether you’re looking forward to making 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 you. Home ...
  • 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 ...
  • 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 ...
  • Load up on Visa Rewards this Holiday Season Use your UKFCU Visa credit card Thanksgiving Day through Cyber Monday and receive double CURewards points! All in-person and online transactions will qualify. Happy shopping from UKFCU!  
  • Credit Unions & Gen Y are a Perfect Fit Why Credit Unions Fit Gen Y Generation Y, also called the Millennial generation, has been defined in rather fluid ways, but are generally those born between 1980 and the year 2000. I know what you’re thinking; there is a large difference between a 14 year old and someone who is in their early thirties. Quite true, ...
  • 5 Tips for Getting the Most out of Your Credit Card Pay On Time Paying your credit card on time helps you avoid late fees and the possibility of having your interest rate increased and helps you maintain a good credit record.Stay Below Your Credit Limit Some credit card issuers charge an additional fee if you go over your credit limit and some may even increase your interest ...
See More Blog Entries
  • 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.

Sat 07/04/15: Independence Day Closing

Title: Independence Day Closing
Time: All Day
Location: All Branches
Description: All UKFCU branches will be closed Saturday, July 4 for Independence Day. Online banking and ATMs are open 24/7.

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_logo