If you have lost your Credit Card please call 1-800-449-7728. Generally, it takes 7-10 business days for you to receive your replacement credit card. If you need it sooner, call us to review options.

If you have lost your Debit Card, call us at 859-264-4200 or 800-234-8528 as soon as possible. We can generally replace it with an instant-issue card at any branch location. If branch access is not convenient, it generally takes 7 to 10 business days for a replacement to arrive via mail.

*Please Note: E-mail is not a secure means of communication, and confidential information should not be conveyed.

UKFCU's Routing/ABA number is 242176129.

Routing numbers identify the financial institution from and to which funds are transferred. They allow companies and individuals to know which specific bank out of all banks has the account in question.

The negative balance should be paid within 30 days. If you need assistance please contact us and ask for the collections department.

If you have a problem or question please feel free to contact the credit union. We can be reached during regular business hours (Monday-Friday: 9:00 a.m. to 6:00 p.m. and Saturday: 9:00 a.m. to 1:00 p.m.), by calling 859.264.4200 or 800.234.UKCU (8528), or in person at one of our branch locations, or by email at [email protected]*.

*Please Note: E-mail is not a secure means of communication, and confidential information should not be conveyed.

Online and Automated Services

Log on to your account with Online Banking

Or retrieve account information with self-service telephone banking.

Loan payments can be made through:

  • Online Banking - under the "Make a Payment" tab
  • Mobile App - under the "Make a Payment" tab
  • Mailed - send to UKFCU 1730 Alysheba Way, Lexington, KY 40509
  • By calling UKFCU at (859) 264-4200
  • UKFCU branch

Credit Card Payments can be made through:

You can access your credit card directly through Online Banking. Not enrolled for online access yet? Click here to register today.


Credit Card Payment Cheat Sheet for Online and Mobile Banking

To pay your credit card using either mobile or online banking, you will need to complete the following steps:

  • Select "Card Controls" from the menu list.
  • Next, select "Credit Card Mgmt."
  • Complete the four fields of information required to make your payment and click "Submit."

 

How do i find my account number?

If you need your account number, this can be found by clicking on your savings account tile on the home screen and selecting the "details" tab. From there, your full account number will be displayed.

Call Member Services at 859-264-4200 to have one ordered for you. You can also stop by any branch and they will instantly issue you a replacement.

We strongly encourage our members to travel abroad with a UKFCU Debit Card. This card will be accepted at the ATM, whether it is designed for cash advances or is a regular cash dispensing machine.

Placing a travel notice on your account(s) will help us differentiate whether you are on the road or if your account has been compromised. You can place a travel notice on your account in online and mobile banking, by visiting us at one of our branches, or by calling us at 859.264.4200.

To place the travel alert through online or mobile banking, select "Card Controls,"  and then select either your debit or credit card. From there, select the "Travel Notification" button and complete the requested information.

For security purposes the cardholder must contact us to resolve the issue.

We can be reached during regular business hours (Monday-Friday: 9:00 a.m. to 6:00 p.m. and Saturday: 9:00 a.m. to 1:00 p.m.) by calling 859-264-4200 or 800-234-UKCU (8528), or in person at one of our branch locations, or by email at [email protected]*.

*Please Note: E-mail is not a secure means of communication, and confidential information should not be conveyed.

When you have an auto loan with UKFCU it is required that you carry full coverage that includes comprehensive and collision for the value of the loan. If you need to provide UKFCU with your insurance information, you may upload your policy on the MyInsuranceForm portal. Please make sure your insurance provider has UK Federal Credit Union listed as the lien holder on your insurance policy. 


As a member of the University of Kentucky Federal Credit Union, you get a discount at many businesses. Be sure to mention you are member in order to receive your discounts.

Some of those benefits include:

Protect your car and home with customized insurance from Liberty Mutual. We'll help you select the right coverage and get the discounts you're eligible for. We offer many ways to save based on important life events as well as Multi-Policy and Multi-Car Discounts. And as a University of Kentucky Federal Credit Union member, you could receive exclusive savings for even greater value.1

Call Joey Doom at (859) 223-1313 or visit Liberty Mutual Auto & Home Insurance

Discount: 10% off to UKFCU members.*

We also can provide a discount on Renters insurance.

Go to our member benefits page to learn more about the discounts you can receive as a member of UKFCU.

Yes, all properties secured by a mortgage require proof of homeowners insurance. If your property is located in a flood zone, we will require proof of flood insurance coverage. To discuss specifics regarding your property contact us.

If you have a problem or question please feel free to contact the credit union. We can be reached during regular business hours (Monday-Friday: 9:00 a.m. to 6:00 p.m. and Saturday: 9:00 a.m. to 1:00 p.m.) by calling 859-264-4200 or 800-234-8528, or in person at one of our branch locations, or by email at [email protected]*.

*Please Note: E-mail is not a secure means of communication, and confidential information should not be conveyed.

Online and Automated Services

Log in to your account with Online Banking

You should Contact a Mortgage Loan Originator to see if you can be pre-approved for a loan so that you know what price range you can afford, to evaluate the monthly costs of a mortgage and to see how much of a loan you can afford. The pre-approval will also give you some leverage when negotiating with the sellers.

UKFCU has joined with SWBC Mortgage to customize a mortgage loan that meets your needs and fits your budget.

  • Home Plus Program
  • FHA/VA Loans
  • Conventional Loans
  • Great rates for refinancing your current mortgage

Go to our mortgage page to learn more!

If you have been locked out of online banking, you must contact us. For your security, we will lock out anyone who is unsuccessful in multiple attempts to log into your account. We want to verify that it's you trying to access the account and will ask personal information to reset the account login information.

If you have a problem or question, please feel free to contact UKFCU. We can be reached during regular business hours Monday-Friday 9:00 a.m. to 6:00 p.m. and Saturday 9:00 a.m. to 1:00 p.m. by calling 859.264.4200 or 800.234.8528, in person at one of our branch locations or by email at [email protected]*.

*Please Note: email is not a secure means of communication, and confidential information should not be conveyed.

 

To enroll in Online Banking, click the Login button at the top right of any UKFCU webpagelocated in the top right section of our website (for mobile users, please press the hamburger menu at the top right of the screen and select "Login" from the resulting menu). From there, select the Member Enrollment button at the bottom of the screen and enter the required information.

You will then be sent a unique, one-time code. Once you have received and input the code, you will create your password. Make sure to register your device as you login so you don't have to complete the identity verification process each time you log into Online Banking.

For a step-by-step guide on how to complete the enrollment process, view our enrollment video tutorial here

ONLINE BANKING VIDEO LIBRARY

There are several ways to change your address:

  • In Online Banking or Mobile Banking. Select "Settings" in the menu list, followed by "Manage Contact Info."
  • By Mail - Send your new address to us in the mail. You must include your signature on the request. Our mailing address is:

UKFCU
1730 Alysheba Way
Lexington, KY 40509

  • By Fax. Fax your signed address change request to 859-264-4202.
  • In Person. You can always stop by a branch location and meet with us personally. - Bring a photo ID such as a Driver's License for identification and a representative will be glad to update your information. Go to our hours and locations page to find a branch near you!

Yes, you may stop in at any of our branch locations for our notary services. There is no charge for members to use this service. Please bring along a photo ID.

Go to our hours and locations page to find a branch near you!

Steps to Set Up Your Direct Deposit with UKFCU

  • Routing Number: Find the UKFCU routing number on our website (hint, it's 242176129).
  • Account Number: Find your UKFCU account number by logging into your Online or Mobile Banking and selecting your desired account. From there, you can find your full account number behind the "Details and Settings" tab.
  • Find an HR Professional or Payroll Administrator: Find an HR Professional or Payroll Administrator at your employer and ask them to assist you in finding the form or online webpage to update your Direct Deposit to UKFCU.

The Credit Union does not have a SWIFT code. We have a routing number, 242176129.

We do accept International Wires, however only Business Accounts offer external International Wire Transfers.

All international wires must come via a United States Bank.

Routing numbers identify the financial institution from and to which funds are transferred. They allow companies and individuals to know which specific bank out of all banks has the account in question. The routing number for the UK Credit Union is: 242176129.

A routing transit number comes in the form of a nine-digit number that usually precedes the account number found at the bottom portion of checks.

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 get started, fill out the skip-a-pay form below:

skip-a-pay

You may also skip a payment using online banking and mobile banking. Go to the "Services" tab and select "Skip-a-Pay" and complete the required fields to skip your payment.

To be eligible:

  • Members must be in good standing on all accounts
  • Loan must be open for at least three months
  • $29.00 fee will be charged when using skip-a-pay

With UKFCU’s Online Bill Pay, receive and pay your bills online with the click of a mouse. It’s simple, safe and guaranteed. To sign up for Online Bill Pay, follow the simple steps below:

  • Log into Online Banking.
  • Under the Bill Payment menu item, select "Pay by Check (ACH)."
  • Please read and accept the terms of agreement.
  • Select the account you would like to enroll in Bill Pay.
  • Start adding payees and payments.

And that's it! Now you are ready to use our online Bill Pay.

BILL PAY TUTORIAL VIDEOS

If you have never enrolled for digital banking services with UKFCU and are a business account rather than a personal or DBA account, enroll here. You’ll then enter all required information including member number, TIN/EIN, business name, information about you, and your desired login ID.

Business accounts are not enabled immediately and require Credit Union review prior to approval. New business enrollments will be reviewed each business day and approved accordingly, but you may contact the Credit Union if you need access sooner.

To use UKFCU mobile banking, you need to be enrolled in Online Banking. You use the same username and password for both online and mobile banking.

Download our mobile app on the App Store or Google Play Store

If you need help connecting your Intuit Account, please visit our Quicken and QuickBooks Support Page for a full list of details on how to convert your account to our online banking platform.

As of August 1, 2023, UKFCU will no longer be selling or providing Gift Cards to members in our branches. However, we will continue to service gift cards purchased prior to August 1. If you have a UKFCU provided gift card with a balance, please refer to your card's terms and conditions for information on the expiration of your balance.

Yes, emails from [email protected] are legitimate. Your BlueTrade account is managed by Access Softek Advisory Services, LLC and they will set up and manage the account based on the information you provide. This email address will also be your point of contact if you have any questions about your BlueTrade account.

Yes, you may receive text messages and letters from our insurance partner, CenterPoint, requesting you upload additional insurance information through our portal at MyInsuranceInfo. We have linked the portal here for your convenience.

The insurance documentation you provide at loan opening does not typically include the vehicle you are purchasing. Once your new vehicle is added to your existing insurance policy, we will need a copy of the updated insurance declaration page. This can be uploaded through our insurance portal located at MyInsuranceInfo.com, or mailed to us at 1730 Alysheba Way, Lexington, KY 40509.