Home

Quick rates

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

Car Loan:3.24%*Credit Card:7.74%*
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 01/17/17. Rates are subject to change and credit approval.

  • Cure your Holiday Hangover with Skip-A-Pay Members may skip one loan payment, except on mortgages and credit cards, in a rolling calendar year for each loan they have with UKFCU. To be eligible: Member must be in good standing on all accounts Loan must be open for at least three months A $29.00 fee will be charged to skip-a-pay. Please call (859)264-4200 for more details. Fill ...
  • Get More Out of Life! 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 3.24% -but you can also get 1% cash back** when you refinance your auto loan with us! Give us a call ...
  • Transfer your High-Rate Credit Card Balances and Save Big! Transfer your high-rate credit card balances and enjoy low rates, receive 1% cash back and NO BALANCE TRANSFER FEE! Rates as low as 7.74%.* Get started today! Join online, call 859.264.4200 or visit a branch. *Offer available 01/01/17 – 1/31/17. Must be a UKFCU member. 1% of balance transfer will be deposited into the Prime Share savings account, up ...
  • 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 ...
  • 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 ...
  • 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 ...
  • Running Tight on Finances? Follow These 3 Tips Not having enough money to pay the bills is an issue we may face from time to time. Life is full of financial ups-and-downs, and after all, we’re all human. Don’t beat yourself about the situation or get discouraged. Vow to take action. If you don’t make changes, things will stay the same. If you’re 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 ...
  • 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 ...
  • 4 Tips to get a Great Deal when Buying a Car Buying a car isn’t exactly what most would describe as a pleasant experience. You tempt yourself with the thought of driving a shiny new set of wheels, then comes the reality of the annoying haggle. What’s worse than the haggling is that many buyers often end up with the wrong car after the process—one that’s “too ...
  • 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 ...
  • 5 Tips to Start your Emergency Fund The common sense side of you likely knows you need money for life’s little unplanned events, but how much do you really need?  More importantly, how do you find the breathing room in your budget to build savings? Here’s how to start an emergency fund: Set a target number that feels possible. Goal-setting research confirms that people are ...
  • 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. • ...
See More Blog Entries
  • 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 02/20/17: President\'s Day

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

Mon 05/29/17: Memorial Day

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

Fri 11/10/17: Veteran\'s Day (Observed)

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

Thu 11/23/17: Thanksgiving Day

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

 

fblogotwitterlogoyoutubelogo instagram-logo-vector local_first_logoLMCUwebpagelogo