Become a UKFCU Member Today!
Joining UKFCU means you’re not just an account holder – you’re a valued member.
Effective Date: 9/1/2025
| Amount Financed | Annual Percentage Rate (APR) |
|---|---|
New/Used Vehicle - Terms 36 Months or Less | As low as 3.99% APR* |
New/Used Vehicle - Terms 37 to 66 Months | As low as 4.99% APR* |
New/Used Vehicle - Terms 67 to 75 Months | As low as 5.24% APR* |
New/Used Vehicle - Terms 76 to 84 Months | As low as 5.99% APR* |
New/Used Vehicle - Terms 85 to 89 Months | As low as 6.49% APR* |
New/Used Motorcycle | As low as 7.74% APR** |
New/Used ATV/UTV | As low as 8.24% APR** |
New/Used Boat/Jet Ski/RV - 84 months or less | As low as 6.99% APR** |
New/Used Boat/Jet Ski/RV - 85 months or greater | As low as 7.74% APR** |
Other Secured Auto - Term 48 Months or Less | As low as 7.99% APR*** |
Other Secured Auto - Term 49 to 72 Months | As low as 8.24% APR*** |
*Annual Percentage Rate. Terms and conditions may apply. Rates available are subject to credit approval and subject to change without notice. Rates shown include the 1% Buy-Down Program discount and no additional discount is available beyond these rates. Terms and conditions may apply. Rates are effective as of 9/1/25.
** Annual Percentage Rate. Terms and conditions may apply. Rates available are subject to credit approval and subject to change without notice. Rates are effective as of 9/21/23.
*** Annual Percentage Rate. Terms and conditions may apply. Rates available are subject to credit approval and subject to change without notice. Rates shown include the 0.25% Buy-Down Program discount and no additional discount is available beyond these rates. Terms and conditions may apply. Rates are effective as of 3/24/25.
Effective Date: 2/17/2026
| Loan Type | Annual Percentage Rate |
|---|---|
First Mortgage | Contact a Mortgage Representative for rate details |
Fixed Home Equity Loan | As low as 7.74% APR* |
Home Equity Line of Credit (HELOC) | 1.99% APR Intro Rate** |
*Annual Percentage Rate. All rates are subject to credit approval, terms and subject to change without notice. Rates are effective as of 12/19/24.
**Member qualifications apply. Home Equity Line of Credit rate as low as Prime minus one, with a floor of 3.00% APR (Annual Percentage Rate) and a maximum rate of 18.00% APR. Current "Prime minus one" rate is 5.75% APR as of 12/11/25. Rate is variable. If loan is paid in full in less than 3 years and a line of credit is closed, member will be required to pay closing costs of approximately $150-$600 to UKFCU. Eligibility for Home Equity Lines of Credit requires that your home is owner-occupied and located in Kentucky or contiguous states. Consult your tax advisor for possible tax benefits. APR is based on credit history and subject to change. Terms and conditions may apply. If this is Investment Real Estate, you will need to apply for a Business HELOC.
Effective Date: 12/11/2025
| Card | Grace Period | Annual Fee | APR | Current APR |
|---|---|---|---|---|
Visa® Platinum | 25 days | $0.00 | As low as Prime + 3.99% APR* | 10.74% APR* |
Visa® Signature Card | 25 days | $0.00 | As low as Prime + 6.49% APR* | 13.24% APR* |
* Annual Percentage Rate. Rates available subject to credit approval and subject to change without notice. Rates are effective as of 12/11/25.
Effective Date: 12/19/2024
| Loan Type | Annual Percentage Rate |
|---|---|
Signature/Unsecured | As low as 11.49% APR* |
Vacation | As low as 9.99%. APR* |
100% Share Secured | As low as 3.00% APR* |
Certificate Secured | 3.00% APR* above the Share Certificate dividend rate |
* Annual Percentage Rate. All rates are subject to credit approval, terms and subject to change without notice. Rates are effective as of 12/19/24.
Effective Date: 12/19/2024
| Loan Type | Annual Percentage Rate (APR) |
|---|---|
Overdraft Protection | As low as 10.99% APR* |
*Annual Percentage Rate. All rates are subject to credit approval and subject to change without notice. Rate is effective as of 12/19/24.
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