UKFCU's routing/ABA number is 242176129.

Click here for current auto loan rates. UKFCU’s loan rates can always be found within our quick links at the bottom of every page on the home page.

Ready to apply for an auto loan?

Current Members Apply Here New Members Apply Here

Check deposits can be made directly through our mobile app. Once you've logged into the app, select the Mobile Deposit link. From there, select the account you would like to make your deposit into, enter the amount of the check and take a picture of both the front and back sides of the check.

Make sure to endorse your check "For E-deposit Only" plus your signature and UKFCU account number.

Once you make the capture, the full check amount will deposit within two business days or less based on your deposit history and length of membership.

Find our mobile app in the App Store or Google Play Store.

  Yes! You can pay your UKFCU auto loan by setting up an external transfer. Just follow the steps below:

  • Login into online banking and click External Transfer
  • Select Add External Account
  • You will then  be prompted to receive a one-time PIN number for verification
  • You will then add the routing number and account number from your other financial institution and select whether it is a savings or checking.
  • You will receive two micro-deposits into your external bank account within 1 to 2 business days. 
  • Log back into your UKFCU online banking account and select "Verify" under status. Confirm the micro-deposit amounts. 
  • Once the account is verified and the status is "Active" you can start scheduling transfers.
  • These transfers can be scheduled into your savings or checking account or directly towards a loan.



Yes! UKFCU does offer consolidation loans for our members to consolidate bills and pay off other debts. There are several options available to most members. This may include personal loans or home equity loans/lines.

If you would like to discuss options before applying, simply call 859.264.4200. Our representatives are trained to assess your personal situation and decide what loan type fits your needs best.

UKFCU Members my login to our Online Banking and order checks online.

1. Select "Other Services" form the menu bar after you login to your account.

2. Select "Order Checks"

3. Choose your account from the drop down window.

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

When refinancing your auto loan, there are a couple of things you'll need to start:

  • Vehicle Type - (Auto / Pickup truck / Motorcycle)
  • Make
  • Model
  • Year
  • Mileage
  • Estimated Vehicle Value
  • Loan Amount Requested
  • Length of Loan Term Desired

You can apply for refinancing either online, by phone, or at one of our branches!

Current Members Apply Here New Members Apply Here

You can apply for an Auto Loan online, even if you have not yet found the car you want! Buying a vehicle can be a stressful, yet exciting time.

With our Sign & Drive Indirect Lending Program members can enjoy the convenience of applying for a loan through a variety of auto dealerships in the Central Kentucky area. With quick financing you can spend less time with paper work and more time enjoying your new vehicle. However you'd like to apply, we've made it easier than ever for you to drive away in the car of your dreams.

Current Members Apply Here New Members Apply Here

Credit card payments can be made through:

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

 

To transfer money into another account (including accounts that are not at UKFCU) log into online banking and select "transfer funds" or use our Account-to-Account transfer function. Online Banking allows you to transfer money between accounts.

Don't have online banking? Register today by visiting our Online Banking Registration Portal.

To begin using UKFCU mobile banking, you need to be enrolled in Online Banking. (If you are not registered for Online Banking, do so HERE)

You use the same username and password for both online and mobile banking.

Visit the App Store or Google Play Store to download the UKFCU mobile app.

UKFCU credit cards offer low rates and absolutely no hidden costs. 
Check out UKFCU's credit card benefits and current rates to find a card to fit your unique needs

Click below to apply for a UKFCU credit card online!

Existing Members Apply Here New Members Apply Here

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.

When traveling with a UKFCU ATM card throughout Europe, some ATMs may not read your card. Some ATMs throughout Europe are set up as cash advance machines rather than regular ATM cash dispensing machines. There is no way at first glance to distinguish which machines will or will not accept your ATM card. However, when you swipe your ATM card, if the screen only asks for a dollar amount, most likely you are at a cash advance machine and your card will not work. If you swipe your card and the screen asks you to choose either savings or checking, then you are most likely at a regular ATM cash dispensing machine where your card will work.

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. UKFCU also offers a Travel Re-loadable VISA Card that can be loaded with funds in advance of your trip that works as a Debit Card. Simply stop by one of our convenient branch locations to purchase a Travel Card.

The University of Kentucky Federal Credit Union has several locations to accommodate your busy schedule. In addition to our branches, you can also access your account 24 hours a day through our Mainline phone system or Online Banking.

The Credit Union does not have a swift code. We have a routing number, 242176129. Additionally, all international wires must come via a United States Bank.

No. With online & mobile banking, plus our Shared Branching Network, you have access to us from wherever you may end up! UKFCU also participates in the Allpoint, Co-Op and Alliance One ATM Networks which gives you access to over 65,000 FREE ATMS across the country.

UK Federal Credit Union is a participant in a national shared branching network. We've joined with credit unions from all over the country to share facilities and give members thousands of convenient locations to perform transactions just as if they were in their home credit union. 

Anywhere you see the CU Service Center logo you can conduct a range of transactions, such as:

  • Deposits
  • Withdrawals
  • Loan Payments
  • Make transfers between accounts
  • Purchase money orders, travelers checks and official checks*
  • And more!

To take advantage of this service, when you enter a shared branch you only need to bring:

  • Your home credit union's name
  • Your account number
  • Valid government-issued photo identification, i.e., State Driver's license, US Passport

To find the nearest shared branching center near you, click here.

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 routing number for the UK Credit Union is: 242176129.

Our mailing address is:

UK Federal Credit Union
1730 Aysheba Way
Leixngton, KY 40509

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 (hours may vary), or by email at [email protected]*.

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

UKFCU is a great place to work! To see current openings please visit our Careers Page. Thank you for your interest

2020 UKFCU Holiday & Closing Schedule:

New Year's Day - Jan 1
Martin Luther King, Jr. Day - Jan 20
Presidents' Day - Feb 17
Memorial Day - May 25
Independence Day - July 4
Labor Day - Sept 7
Columbus Day - Oct 12
Veterans' Day - Nov 11
Thanksgiving Day - Nov 26
Christmas Eve (closing at 2pm) - Dec 24
Christmas Day - Dec 25

The current UKFCU Calendar can be found here.

Our UK Student Center Branch is open Mon - Fri 8 am to 6 pm.

All other branches are open Mon - Fri 9 am to 6 pm and Saturday 9 am to 1 pm.

The University of Kentucky Federal Credit Union has several locations to accommodate your busy schedule. In addition to our branches, you can also access your account 24 hours a day through our phone system, Online Banking or Mobile Banking.

Go to the Branches hours of operation page to find a branch near you.

We take great pride in our community and love to give back. We take part in a number of community activities and sponsorships that invest in our local community. Please visit our community page or contact our Marketing department to learn more.

The Credit Union does not have a swift code. We have a routing number, 242176129. Additionally, all international wires must come via a United States Bank.

We have many ways for someone to become a member of UKFCU. So many that it's hard for someone NOT to be eligible. As long as you meet the requirements to become a member, you can join. Please contact us today with any questions.

You are eligible for membership if you, an immediate family member or a household member are part of the following groups/organizations: (Family members and household members do not have to be members for you to be eligible)

  • UK Federal Credit Union employees
  • UK faculty and staff (full and part-time)
  • UK students (full and part-time)
  • Kentucky Community and Technology College System (KCTCS) employees.
  • Kentucky Community and Technology College System (KCTCS) students.
  • EKU faculty and staff, (full and part-time)
  • EKU students (full and part-time)
  • And many more!

To join UKFCU, fill out the online application, call 859-264-4200 or 1-800-234-UKCU (8528) or drop by one of our convenient locations.

The University of Kentucky Federal Credit Union has several locations to accommodate your busy schedule. In addition to our branches you can also access your account 24 hours a day through our Mainline phone system or Online Banking.

Yes, we are a full service credit union offering savings, checking, loans, and many other financial services.
UKFCU's accounts are designed with one thing in mind - you, our member. Because your credit union serves various communities, its accounts have to be flexible and convenient for all walks of life. Membership gives you access to a wide variety of accounts to fit your needs.

Whether you are looking to make UKFCU your only financial institution or just need a separate account for your "nest egg", we have something for you. Our Checking Accounts require no minimum balance and are easy to access through unlimited check writing or your ATM/Debit Card. We have low rates and great terms on all our loan products. Give us a chance to save you some money.

Wherever life takes you, UKFCU can help you get there.

We also have such products as:

 If you would like to take advantage of these options and much more, please contact a representative at 859.264.4200 or 1.800.234.UKCU (8528) or visit one of our convenient locations today!

A Credit Union is a not-for-profit, member-owned, and member-operated financial cooperative. We offer members comprehensive financial services at very competitive rates and terms. And, we do it with the personal attention our members deserve.

UK Federal Credit Union is a member-owned financial cooperative, chartered in 1937 to effectively provide member-based quality financial services. A board of directors, elected from the membership, declares dividends, sets loan rates, administers policies, and determines the future direction of the credit union. The board hires a President/CEO to oversee the staff and daily operations of the Credit Union. The board, committees and staff remain committed to serving you by offering member-driven services and maintaining a financially sound institution.

Go to our membership page to see if you qualify! To join UKFCU, fill out the online application request, call 859-264-4200 or 1-800-234-UKCU (8528) or drop by one of our convenient locations.

Hours may vary by participating location. To find the nearest shared branching center near you, click here.

UK Federal Credit Union is a participant in a national shared branching network. We've joined with credit unions from all over the country to share facilities and give our members thousands of convenient locations to perform transactions just as if they were in their home credit union. Whether you are at work, home, or your favorite travel destination, your credit union is always nearby.

Anywhere you see the CU Service Center logo you can conduct a range of transactions, such as:

  • Deposits
  • Withdrawals
  • Loan Payments
  • Make transfers between accounts
  • Purchase money orders, travelers checks and official checks*
  • And more!

To take advantage of this service, when you enter a shared branch you only need to bring:

  • Your home credit union's name
  • Your account number
  • Valid government-issued photo identification, i.e., State Driver's license, US Passport

*Services may vary by location

UKFCU cannot transact on accounts from other credit unions in the shared branching network. However, if your credit union is a member of the Allpoint, Co-op or Alliance One Networks, you may use our ATMs free of charge. 

UKFCU members have access to over 65,000 ATMs nationwide FREE of charge through our ATM Network! Click Here to find an ATM near you! UKFCU is a member of the Co-Op, Alliance One and Allpoint ATM Networks.

Still can't find an ATM? Visit the Worldwide Visa ATM Locator.

If you are a member of UKFCU, you have access to over 65,000 fee-free ATMs in Lexington and around the world. Visit our ATM Locations page for a complete listing of these ATMs. If you do use a foreign ATM, you may be charged a fee from that financial institution. However, UKFCU will not charge members any foreign ATM fees. 

Non-members using a UKFCU ATM and not part of a participating network will incur a $3.00 foreign ATM fee.

Our ATM networks are Co-op, Alliance One and Allpoint. This gives UKFCU members access to over 65,000 ATMs free of charge.

Click here to find an ATM nearest you. 

There are no minimum balance requirements on UKFCU checking accounts.

Go to our membership page to see how you can join!

To join UKFCU, fill out the online application, call 859.264.4200 or 1.800.234.UKCU (8528) or drop by one of our convenient locations.

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 (hours may vary), 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 Mainline at 859.264.4899 or 800.234.UKCU (8528).

To apply for a credit card online, select the appropriate application button and complete the forms

Current Members Apply Here New Members Apply Here

 

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.

Yes! In fact, you should choose a PIN that is unique to you. You should not share this number with anyone else.
Your PIN acts as a signature when you use your debit card for point of sale transactions and to withdraw cash from an ATM.
For security reasons, you should keep your PIN number to yourself. If you forgot your PIN, you must go to a branch location to reset it, please bring a photo ID (required for security purposes). Visit a branch location closest to you.

Enclosed with your new debit card will be a list of directions to help you activate your new debit card. To activate the card, simply call the phone number listed on the sticker on the card. Another way to activate the card is to use it to conduct a transaction or check your balance at an ATM. Simply use the PIN number provided in the documentation that came with the card. Be sure to change your PIN at an ATM or at a branch location. You should not share this number with anyone else. Your PIN acts a signature when you use your debit card for point of sale transactions and to withdraw cash from an ATM. If you forgot your PIN you must go to a branch, please bring a photo ID (required for security purposes).

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

There could be several reasons for your PIN not to work, from fraud protection to insufficient funds. For security reasons you must call us at 859-264-4200 or come to a branch location.

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

Fees are subject to change. Please see our Truth in Savings disclosure for current fees. 

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.

 

When traveling with a UKFCU ATM card throughout Europe, some ATMs may not read your card. We have noticed that some of the ATMs throughout Europe are set up as cash advance machines, designed to look for a major credit card logo, instead of being regular ATM cash dispensing machines. There is no way at first glance to distinguish which machines will or will not accept your ATM card. However, when you swipe your ATM card, if the screen only asks for a dollar amount, most likely you are at a cash advance machine and your card will not work. If you swipe your card and the screen asks you to choose either savings or checking, then you are most likely at a regular ATM cash dispensing machine where your card will work. 

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. UKFCU also offers a Travel Re-loadable VISA Card that can be loaded with funds in advance of your trip that works as a Debit Card. Simply stop by one of our convenient branch locations to purchase a Travel Card.

The University of Kentucky Federal Credit Union has several locations to accommodate your busy schedule. In addition to our branches, you can also access your account 24 hours a day through our Mainline phone system or Online Banking.

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 by visiting us at one of our branches or by phone. Go to our hours and locations page to find a branch near you!

There are several factors as to why you may experience issues with your Debit Card. It is important for you to keep your contact information up to date. If there are suspicious transactions and our Card Services cannot contact you, the card could be restricted. If you have used an incorrect PIN several times your card could get locked out. Please contact us to resolve the situation.
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 (hours may vary), or by email at [email protected]*.


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


For security purposes the cardholder must contact us to resolve the issue.
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 (hours may vary), or by email at [email protected]*.


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



We absolutely will accept coin deposits! In fact, we have coin counting machines at all our locations to accommodate our members. Members may use coin counting machines up to $300 per month at no charge.

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

Your available balance shows the amount of funds you have available to withdraw, excluding any transactions or holds that are pending in our system. This balance may not reflect all pending items and you should always keep a register of all transactions for your account in order to avoid service charges. Keep track of your transaction history using online banking!
Don't have online banking? Sign up today!
 

An insufficient funds fee is charged when there are not enough funds in the account to cover the item that you have purchased. An uncollected funds fee is charged when funds are in the account but are not available to pay the item, due to holds on the account. Holds could be present on the account due to pending purchases, holds placed on deposits, or other miscellaneous holds. The best way to avoid NSF or UCF fees is to keep a register of activity in your checking account. You can track your transactions using online banking!
Don't have online banking? Sign up today!
 

Your account number can on the bottom number of your check (the second set of numbers), review your UKFCU member card, or you can visit a branch location and speak to us. A new member card can also be printed for you at all of our teller lines.

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

No. They will only be able to view their balances.

It is the policy of the University of Kentucky Federal Credit Union to respect the privacy of our members and to protect the security and confidentiality of your non-public personal information. We have established policies to (1) ensure the security and confidentiality of our members' records and information; (2) to protect against any anticipated threats or hazards to the security or integrity of such records; and, (3) protect against unauthorized access to, or use of, such records or information which could result in substantial harm or inconvenience to any of our members.

Go to our privacy policy to learn more.

Your account number can be found on the bottom number of your check (the second set of numbers), or you can visit a branch location, or call 859.264.4200 and speak to us.

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

To submit a secure email you must first log into online banking. From here you are able to submit a secure email. You may also use our secure messaging feature in the mobile app. 
Don't have online banking? Sign up today!

 

It is UFKCU's policy to deposit items the day we receive them, however, funds from these deposits may have delayed availability.
Cash deposits will post as soon as you make the deposit.

Be sure to check your statement to make sure deposits have cleared. The best way to do this is to have mobile or online banking.
Don't have mobile or online banking? Sign up today!

Member accounts at all credit unions are federally insured up to $250,000 by the National Credit Union Share Insurance Funds (NCUSIF), which is administered by the National Credit Union Administration (NCUA). The fund is backed by the full faith and credit of the U.S. government. No taxpayer funds are used to support the (NCUA) or the (NCUSIF).

Additionally, UKFCU has purchased an additional $250,000 worth of insurance coverage for their members making a total of $500,000 coverage on eligible accounts.

NCUA insurance differs from traditional deposit insurance because it is funded by the credit unions themselves and is believed to be a much healthier and safer insurance fund. Visit NCUA.gov to learn more.

You may open multiple accounts. There are multiple accounts available to you through UKFCU, from savings accounts to credit cards and auto loans, we have you covered.

To join UKFCU, fill out the online application, call 859.264.4200 or 1-800.234.UKCU (8528) or drop by one of our convenient locations.

To find information such as loan payoff amount you must visit a branch or log into Online Banking. You may also call us during business hours at 859.264.4200.
 

 

Yes, we offer business loans! Please visit our Business Lending page, or contact Lee Jackson at 859.264.4278 to learn more.


 

Yes! UKFCU does offer consolidation loans for our members to consolidate bills and pay off other debts. There are several options available to most members. This may include personal loans, home equity loans/lines or even a first mortgage.

If you would like to discuss options before applying, simply call 859.264.4200. Our representatives are trained to assess your personal situation and decide what loan type fits your needs best.

Unfortunately, we do not offer construction loans at this time.

You can apply for an Auto Loan online, even if you have not yet found the car you want!
Buying a vehicle can be a stressful, yet exciting time.

With our Sign & Drive Indirect Lending Program members can enjoy the convenience of applying for a loan through a variety of auto dealerships in the Central Kentucky area. With quick financing you can spend less time with paper work and more time enjoying your new vehicle. However you'd like to apply, Whether in person at a branch, online, over the phone, or at a participating dealer, we've made it easier than ever for you to drive away in the car of your dreams.

Current Members Apply Here New Members Apply Here

When refinancing your auto loan, there are a couple of things you'll need to start:

  • Vehicle Type - (Auto / Pickup truck / Motorcycle)
  • Make
  • Model
  • Year
  • Mileage
  • Estimated Vehicle Value
  • Loan Amount Requested 
  • Length of Loan Term Desired

You can apply for refinancing either online, by phone, or at one of our branches!

Existing Members Apply Here New Members Apply Here​​​​​​​

 

UKFCU's current auto loan rates are always online. We offer great rates and flexible terms on our auto loans.

Current Members Apply Here New Members Apply Here

If you would like to apply for a loan such as a refinance of a home equity line of credit, we offer three convenient options for you to apply.

  • Using our online application, you can apply 24/7 from wherever you are. We'll even approve you for the loan in 60 seconds if you qualify.
  • Over the Phone. 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).
  • In Person. You can always stop by a branch location and meet with us personally. Go to our hours and locations page to find a branch near you!

Current Members Apply Here New Members Apply Here

If you would like to discuss options before applying, simply call us at 859.264.4200. Our financial service officers are trained to assess your personal situation and decide what loan type fits best.

There are several definitions of "good credit". If you have had credit difficulties in the past, the best way to find out if we can assist you is to apply for a loan. There is no cost to do so, and our loan staff will work with you to look for ways to get your loan request approved.
UKFCU offers convenient options for you to apply.

  • Using our online application, you can apply 24/7 from wherever you are.
  • Over the phone. We can be reached during regular business hours at 859.264.4200 or 800.234.UKCU
  • In Person. Go to our hours and locations page to find a branch near you.
  • Via the mobile app.Sign in and select  Apply for a Loan and then select the Credit Card button and follow the prompts.

Current Members Apply Here New Members Apply Here

If you would like to discuss options before applying, simply call us. Our financial service officers are trained to assess your personal situation and decide what loan type fits best.

To check the status of a loan application, please call us at 859.264.4200 or click here.

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.

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.

For certain loans such as credit cards, personal loans and auto loans, you can be approved in as little as 60 seconds if you qualify. If we are unable to instantly approve your application, we are often able to decision your request within the same business day that you apply.

Current Members Apply Here New Members Apply Here

If the loan is paid off with guaranteed funds (cashier's check, cash, or new loan proceeds) the lien release will be mailed to the appropriate County Clerk's office to be released.

If the loan is paid off with a personal check, we will wait 10 business days before we release the lien.

Yes! Each one will be reviews differently and decision will be determined depending on the loan itself (term, rate, value).
UKFCU offers three convenient options for you to apply.

  • Online. Using our online loan application, you can apply 24/7 from wherever you are. We'll even approve you for the loan in 60 seconds if you qualify.
  • Over the Phone. 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).
  • In Person. You can always stop by a branch location and meet with us personally. Go to our hours and locations page to find a branch near you!

If you would like to discuss options before applying, simply call us. Our financial service officers are trained to assess your personal situation and decide what loan type fits best.

Yes, anyone can pay off the loan, although the title rights and/or responsibilities are solely of the party listed on the title and loan unless otherwise specified. Please contact us to arrange the payoff.

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 (hours may vary), or by email at [email protected]*.

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

Risk-based lending is a policy that helps UKFCU determine the borrower's interest rate. If a borrower is seen as a higher risk, then the credit union will charge a higher interest rate on the loan. Of course, if the borrower is a low-risk borrower, then they can enjoy one of the best interest rates available. The better your credit the better your interest rate.

Apply now using online loan application.

If you would like to discuss options before applying, simply call us at 859.264.4200. Our financial service officers are trained to assess your personal situation and decide what loan type fits best.

If the loan is paid off with guaranteed funds (cashier's check, cash, or new loan proceeds) the lien release will be mailed to the appropriate County Clerk's office to be released.

If the loan is paid off with a personal check, we will wait 10 business days before we release the lien.

Most active accounts are eligible for Mobile Banking including; savings, checking, CDs, Visa cards and loans.

Don't have mobile banking? Visit UKFCU's mobile banking page to download the appropriate app for your device.

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

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

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

 

Closing costs vary depending upon the loan. Talk to a representative to see what your actual cost may be.

You may change insurance companies but you will need to let us know anytime changes are made to the insurance coverage. Before you make any changes to your deductibles, contact us to see if there are any restrictions or limitations.


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 (hours may vary), or by email at [email protected]*.

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


Loan amounts with a loan to value greater than 80 % require an escrow account for the payment of real estate taxes and insurance. Borrowers with a loan to value less than 80% may request to waive the escrow account requirement and pay these items themselves with the lenders approval.
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 (hours may vary), 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

Or retrieve account information by calling us at 859-264-4200 or 800-234-UKCU (8528).

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-UKCU (8528), or in person at one of our branch locations (hours may vary), 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

Or retrieve account information by calling us at 859-264-4200 or 800-234-UKCU (8528).

Likely the largest debt you'll ever take on, a mortgage is a loan to finance the purchase of your home. Your home is collateral for the loan, which is also a legal contract you sign to promise that you'll pay the debt, with interest and other costs, typically over 15 to 30 years.

If you don't pay the debt, the lender has the right to take back the property and sell it to cover the debt. To repay the debt, you make monthly installments or payments that typically include the principal, interest, taxes and insurance, together known as PITI. Interested? Visit our Mortgage page to learn more.

An escrow account is established to hold money collected by your lender to pay your hazard insurance and property taxes when they become due. This is sometimes called an "impound account." Lenders usually require escrow payments every month to ensure that they have enough to pay the insurance and taxes for you. This is a way for lenders to make sure their collateral is secure.
For instance, if your home were to burn down in a fire and you had failed to pay your hazard insurance premium; the lender would not be able to recoup the loss. In addition, if you fail to pay your property taxes, the government can foreclose on your property.
Insurance and taxes vary. You can find out the current taxes from the seller and seek quotes for hazard insurance coverage.

The Truth-in-Lending Act (TILA) of 1968 is a United States Federal Law designed to protect consumers in credit by requiring clear key terms of the arrangement and all costs. The sole purpose is to promote the informed use of credit by requiring disclosures about terms and costs to the consumer.

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!

To change your password for Online Banking you must first log in. Then, click on the "Profile" link at the top of the page. On the right of the screen click in the box the heading, "I want to change..." Then click on the password link to change your password.

To view account balances, login to Online Banking or Mobile Banking. Otherwise, stop by any one of our six branch locations for a fresh cup of coffee and speak to one of our friendly team members. 

Don't have online access? Sign up today with Online Banking!

Go to the online banking login page and click Forgot Password and follow the prompts.
 

To view your statement online then print it. Here are the steps. Log-in to Online Banking, click on the "Documents" tab in online banking. Then select the "eStatements" link. In the eStatements dropdown select the statement month you wish to see then click the ""View"" button. The statement for that month will appear and you can right click with your mouse and print.

To enroll in eStatements, log-in to online banking and click on the "Documents" tab in online banking. To enroll click "Request eStatements" and click "Yes".

Or you may stop by any of our five branch locations, enjoy a cup of coffee and visit with a Financial Services Officer while we print a copy of your statement.

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 it's you who is 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.UKCU (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 view account balances online you must log into Online Banking. Don't have online banking? Sign up today!

Once you are set up with online banking, you may also view your balances in our mobile app

If you currently use online banking you are ready to go. Just login to view your account balances.

In order to view your statement through Online Banking, you will be required to Opt-In to e-statements. 

Once you enroll in Online Banking, follow the steps to agree to receive electronic statements. Once you've opted-in you will not have to do this again. This is a one-time acceptance unless you opt-out. 

If you have not received e-statements via Online Banking yet, your first e-statement will be available at the beginning of the next month after the Opt-in has been accepted.

To opt-in to e-Statements follow the listed steps:

1. After you login to Online Banking. Click the “Document” tab. 

2. Click on the “Request e-statements” tab

3. After carefully reading the details box and you agree to details listed, type “Yes” in the agreement box. 

4. Click on “Activate Now” to begin receiving e-Statements. You will receive a courtesy e-mail letting you know your e-Statement is ready to view in your Online Banking account. 

5. Once you complete the e-Satement Opt-in you will receive a notice to verify you are signed up. 

It’s that easy!  You will receive your next account statement electronically (for those accounts you have signed up in Online Banking). To add accounts to your Online Banking, please contact any of our branch locations.

Check deposits can be made directly through our mobile app. Once you've logged into the app, select the Mobile Deposit link. From there, select the account you would like to make your deposit into, enter the amount of the check and take a picture of both the front and back sides of the check.

Make sure to endorse your check "For E-deposit Only" plus your signature and UKFCU account number.

Once you make the capture deposit the amount the full check amount within two business days or less based on your deposit history and length of membership. 

You can set up loans to be automatically paid. Click the "Accounts" tab then click the "Loan Payments" tab. Then you can click "Add Schedule Payment" in the upper left corner to follow the instructions to schedule your loan payment.

To make a credit card payment through online banking, click on the Accounts tab then scroll down to your credit card loan account and click More Details then click Make a Payment on the credit card account home page.

You can also make a payment through the mobile app by selecting the Transfer Money option listed in the mobile application menu. From there you can transfer funds from your account directly to your credit card balance.

Our online banking system allows you to make payments online using Bill Pay. Click the Bill Pay tab and click Add a Company or Person to Pay and follow the instructions. 

You can enjoy the convenience of Online Bill Pay by having your mortgage, insurance or utility companies debit your bills directly from your UKFCU account.

With UK Federal Credit Union Online Bill Pay, receive and pay your bills online with the click of a mouse. It's simple, safe and guaranteed. Pay anyone from your mortgage company to your gardener. Plus, you can track the status of every single bill you pay. Log into Bill Pay through Online Banking today!

Bill Pay is FREE to ALL UKFCU Members.

Click on "Bill Pay" in the top menu. Take care of your bills in 3 easy steps!

1. Pick a bill you want to pay.

2. Enter the bill info.

3. Choose how much and when.

If you have further questions or need help, call UKFCU at 859.264.4200 or 800.234.UKCU (8528).

With UKFCU’s Bill Pay, receive and pay your bills online with the click of a mouse. It’s simple, safe and guaranteed. Pay anyone from your mortgage company to your gardener. Plus, you can track the status of every single bill you pay. Log onto Bill Pay through Online Banking today! 

Log into your Online Banking account. If it's your first time on Bill Pay, you'll have to set up your account through your Online Banking in your web browser.

  • Select the Bill Pay option from the dashboard
  • Pick the bill you'd like to pay.
  • Enter the information from your bill
  • Choose how much and when to pay.

You also have the option of selecting Pay a Person and UKFCU can mail a check to their address.

With UKFCU’s Bill Pay, receive and pay your bills online with the click of a mouse. 

  • Log into your Online Banking account. If it's your first time on Bill Pay, you'll have to set up your account through your Online Banking in your web browser.
  • Select the Bill Pay option from the dashboard
  • Pick the bill you'd like to pay.
  • Enter the information from your bill
  • Choose how much and when to pay.

You also have the option of selecting "Pay a person" and UKFCU can mail a check to their address.

Just visit our online banking page and follow the step-by-step instructions. It's that easy.

Yes you can! Click on the "Documents" tab in online banking. Then select the "eStatements" link. In the eStatements dropdown select the statement month you wish to see then click the "View" button. The statement for that month will appear and you can right click with your mouse and print.

To enroll in eStatements, login to Online Banking and click on the "Documents" tab in online banking. To enroll click "Request eStatements" and click "yes".
 

No. With online banking and our Shared Branching Network, you have access to us from wherever you may end up!
UK Federal Credit Union is a participant in a national shared branching network. We've joined with credit unions from all over the country to share facilities and give members thousands of convenient locations to perform transactions just as if they were in their home credit union. Whether you are at work, home, or your favorite travel destination, your credit union is always nearby.

Anywhere you see the CU Service Center logo you can conduct a range of transactions, such as:

  • Deposits
  • Withdrawals
  • Loan Payments
  • Make transfers between accounts
  • Purchase money orders, travelers checks and official checks*
  • And more!

To take advantage of this service, when you enter a shared branch you only need to bring:

  • Your home credit union's name
  • Your account number
  • Valid government-issued photo identification, i.e., State Driver's license, US Passport

To find the nearest shared branching center near you, click here.

We offer personal security boxes for rent at our Reynolds Road location! Please visit our Reynolds Road location to check if there is an appropriate box available for your needs. Pricing and sizing are as follows:

Price

Length

Width

Height

$25.00

21 inches

10 inches

2.5 inches

$50.00

21 inches

10 inches

4.5 inches

$75.00

21 inches

10 inches

6.25 inches

$100.00

21 inches

10 inches

10 inches

Go to our hours and locations page for location details.

We partnered with other credit unions to form Credit Union Student Choice. Our members have access to lower cost student loan financing options with lower student loan rates, zero origination fees and more flexible repayment options.  

Learn more about Student Choice and your student loan options by visiting Student Choice's website here.

Online and Automated Services

UKFCU Members my login to our Online Banking and order checks online.

1. Select Other Services form the menu bar after you login to your account.

2. Select Order Checks

3. Choose your account from the drop down window. 

image

There are several types offered through UKFCU.

IRA Share Certificate:

  • Minimum $1000 balance for IRA Share Certificate
  • Terms range from 1 year to 5 years
  • Dividends paid annually

Choosing your retirement plan is very important. We offer traditional and Roth IRAs and IRA Certificates to help you meet your retirement goals.

Individual Retirement Account:

  • No minimum balance
  • Up to $5,500 deposit per tax year/up to $6,500 deposit for members 50 years of age or older.
  • See your tax professional for possible benefits.
  • Visit our education section for more information on IRAs
  • 1, 2, 3, 4 and 5 year

Current Rates

An individual retirement account (IRA) is a special type of account that has specific tax benefits. IRAs were authorized by the U.S. Congress as part of the 1974 Employee Retirement Income Security Act to provide taxpayers who were not covered by a qualified retirement plan with a means of setting aside a portion of their earnings in a tax-advantaged account. You can use funds in your IRA to purchase a wide variety of investments, including shares of stock and share certificates of deposit

Looking for a better return on your dollar? An IRA Share Certificate allows you to lock in a higher interest rate.

IRA Share Certificate:

  • Minimum $1000 balance for IRA Share Certificate
  • Terms range from 1 year to 5 years
  • Dividends paid annually

 

Choosing your retirement plan is very important. We offer traditional and Roth IRAs and IRA Certificates to help you meet your retirement goals.

Individual Retirement Account:

  • No minimum balance
  • Up to $5,500 deposit per tax year/up to $6,500 deposit for members 50 years of age or older
  • See your tax professional for possible benefits
  • Visit our education section for more information on IRAs
  • 1, 2, 3, 4 and 5 year

Current Rates

The rates page provides up to date rates for all our deposit account products. You will find our Savings Rates, Money Market Rates and Share Certificate Rates by clicking HERE.

If you have any further questions, please contact us at 859-264-4200, or stop by one of our branches.

The rates page provides up to date rates for all our deposit account products. You will find our Savings Rates, Money Market Rates and Share Certificate Rates. Click HERE to view our current rates.

If you have any further questions, please contact us at 859.264.4200, or stop by one of our branches.

Fees are subject to change. Please see our Truth in Savings Disclosure for current fee rates.

Fees are subject to change. Please see our Truth in Savings Disclosure for current fee rates.

There are no monthly or per transaction fees associated with using UKFCU debit card. If you use an ATM outside of the ATM network, the ATM owner may assess a surcharge for the withdrawal.

UKFCU members have access to over 65,000 ATMs nationwide FREE of charge through the Co-Op Network! Click Here to find an ATM near you! 

UKFCU charges $29 for a stop payment request.

UKFCU allows you to place a stop payment in Online Banking. Once signed in, just click "Other Services" and "Stop Payment."
 

We offer several overdraft options to our members in the event of an overdraft. 
Please view all of our detailed options HERE.

Fees are subject to change. Please see the Truth in Savings Disclosure for current fees.

Rates can be found here - current rates. Fees are subject to change. Please see the Truth in Savings form for current fees. 

The rates page provides up to date rates for all our deposit account products. If you have any further questions, please contact us at 859.264.4200, or stop by one of our branches.

Tax forms will be sent to your address by mail if you are not opted-in to eStatements. 

If you have tax forms waiting for you, you can view your tax forms online by logging into your Online Banking account and selecting "Documents" and scrolling down to select your eTAXES forms.

There are several ways to change your address:

  • 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!

To obtain a credit report please 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-UKCU (8528), or in person at one of our branch locations (hours may vary), or by email at [email protected]*.

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

We offer currency exchange for certain foreign currencies. The fee for currency exchange is a flat rate of $32.00, and can typically be available in 2 weeks.

Your currency exchange can be ordered at any in-branch teller line or by phone at 859-264-4200. 

View our branch hours and locations.

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!

Yes. Be sure to include a deposit slip and write your account number on the check. All mail correspondence should go to our Corporate Office at:

1730 Alysheba Way, Lexington, KY 40509

The University of Kentucky Federal Credit Union has several locations to accommodate your busy schedule. In addition to our branches, you can also access your account 24 hours a day through our Mainline phone system or Online Banking service.

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

Tax forms will be available for a period of 24 months in your Online Banking account.

If you already use Online Banking, simply log in.

  • Select "Documents" from the drop-down options available in the header
  • Select which tax forms you would like to view under the eTAXES section, and select "View".

To make your life easier, have your payroll check directly deposited into your account. This will save you time by not having to wait in teller lines to cash your check, and you'll have convenient and immediate access to your money on payday!

Setting up direct deposit is quick, easy, and beneficial to help save you time, money and effort. You will set direct deposit up through your employer. Make sure to have our routing number and your account number.

UKFCU's ABA/Routing Number is: 242176129

Click on links below for a direct deposit printable form.

UK Direct Deposit Form

EKU Direct Deposit Form

KCTCS Direct Deposit Form

Social Security Direct Deposit Form

To transfer money into another account (including accounts that are not at UKFCU) log into online banking and select "transfer funds" or use our Account-to-Account transfer function. Online Banking allows you to transfer money between accounts.

Don't have online banking? Register today by visiting our Online Banking Registration Portal.

Fees are subject to change. Please see the Truth in Savings disclosure for current fees. 

Fees are subject to change. Please see the Truth in Savings disclosure for current fees.

You will be assessed a fee and depending on the payee the check may be redeposited.

eStatements allow you to view your monthly transactions through the convenience of online banking or mobile banking. eStatements also increase your account security since statements will no longer arrive via mail. 

If you already use Online Banking, simply log in.

If you are signed up to receive eStatements, you can view them by selecting "Documents" from the header once you log in to your Online Banking. You can view your statements here.

To sign up for eStatements select "Documents" and continue to "Request eStatements", follow the prompts to turn on eStatements.

There could be many reasons why your check bounced. For security reasons, you will have to contact us or visit a branch location to speak about your unique situation.

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 (hours may vary), or by email at [email protected]*.

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

Under the requirements of the Patriot Act, all banks must do an identity check on a new customer. They use "customer identification programs" (CIP) that compare your name, address, date of birth, and other facts to the information contained on your credit report. Your credit score would not be damaged by that step.

The CIP regulations require institutions to implement reasonable procedures for:

  • Verifying the identity of any person seeking to open an account, to the extent reasonable and practicable.
  • Maintaining records of the information used to verify the person's identity, including name, address, and other identifying information.

Banks also review ChexSystems and sometimes credit report data during the process of determining if a customer qualifies to open a new account. Under FCRA regulations, the bank has to have a permissible purpose such as "intending to use the information in connection with a credit transaction involving the consumer" in order to pull a credit report and must obtain the consumer's consent first. A hard inquiry like this could cause a small credit score ding. 

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.

 

Occasionally the credit reporting agencies incorrectly interpret the data given to them each month.
If you are reviewing your credit history and notice an error, please 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-UKCU (8528), or in person at one of our branch locations (hours may vary), 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 by calling at 859-264-4200 or 800-234-UKCU (8528).

With UKFCU's mobile banking app you can deposit checks with your phone. Open the app and log-in. Click on "Mobile Deposit" then "Choose Account". Type in the Amount to Deposit. Then take a photo of the front of the check and the back of the check. Endorse the check with your signature, account number and "For eDeposit Only" Click the "Submit" button and you are done. UKFCU recommends voiding the check after two weeks.

To use mobile banking you need to be signed up for online banking

 

To activate a gift card, you can go to the prepaid Visa Card section of our website and follow the prompts. Or you can follow this link for direct access

Once you have logged in with your gift card, please follow these steps to ensure activation:

1. Choose "Register Card" from the dropdown menu

2. Hit "Go"

3. Enroll your cardholder information

To activate a gift card, you can go to the prepaid Visa Card section of our website and follow the prompts. Or you can follow this link for direct access

Once you have logged in with your gift card, please follow these steps to ensure activation:

1. Choose "Register Card" from the dropdown menu

2. Hit "Go"

3. Enroll your cardholder information

To activate a gift card, you can go to the prepaid Visa Card section of our website and follow the prompts. Or you can follow this link for direct access

Once you have logged in with your gift card, please follow these steps to ensure activation:

1. Choose "Register Card" from the dropdown menu

2. Hit "Go"

3. Enroll your cardholder information

To activate a gift card, you can go to the prepaid Visa Card section of our website and follow the prompts. Or you can follow this link for direct access

Once you have logged in with your gift card, please follow these steps to ensure activation:

1. Choose "Register Card" from the dropdown menu

2. Hit "Go"

3. Enroll your cardholder information

859.264.4200 or 800.234.8528 


859.264.4200 or 800.234.8528 


Yes! You can pay your UKFCU auto loan by setting up an external transfer. Just follow the steps below:

  • Login into online banking and click External Transfer
  • Select Add External Account
  • You will then  be prompted to receive a one-time PIN number for verification
  • You will then add the routing number and account number from your other financial institution and select whether it is a savings or checking.
  • You will receive two micro-deposits into your external bank account within 1 to 2 business days. 
  • Log back into your UKFCU online banking account and select "Verify" under status. Confirm the micro-deposit amounts. 
  • Once the account is verified and the status is "Active" you can start scheduling transfers.
  • These transfers can be scheduled into your savings or checking account or directly towards a loan.



 Yes! You can pay your UKFCU auto loan by setting up an external transfer. Just follow the steps below:

  • Login into online banking and click External Transfer
  • Select Add External Account
  • You will then  be prompted to receive a one-time PIN number for verification
  • You will then add the routing number and account number from your other financial institution and select whether it is a savings or checking.
  • You will receive two micro-deposits into your external bank account within 1 to 2 business days. 
  • Log back into your UKFCU online banking account and select "Verify" under status. Confirm the micro-deposit amounts. 
  • Once the account is verified and the status is "Active" you can start scheduling transfers.
  • These transfers can be scheduled into your savings or checking account or directly towards a loan.



 Yes! You can pay your UKFCU auto loan by setting up an external transfer. Just follow the steps below:

  • Login into online banking and click External Transfer
  • Select Add External Account
  • You will then  be prompted to receive a one-time PIN number for verification
  • You will then add the routing number and account number from your other financial institution and select whether it is a savings or checking.
  • You will receive two micro-deposits into your external bank account within 1 to 2 business days. 
  • Log back into your UKFCU online banking account and select "Verify" under status. Confirm the micro-deposit amounts. 
  • Once the account is verified and the status is "Active" you can start scheduling transfers.
  • These transfers can be scheduled into your savings or checking account or directly towards a loan.



 Yes! You can pay your UKFCU auto loan by setting up an external transfer. Just follow the steps below:

  • Login into online banking and click External Transfer
  • Select Add External Account
  • You will then  be prompted to receive a one-time PIN number for verification
  • You will then add the routing number and account number from your other financial institution and select whether it is a savings or checking.
  • You will receive two micro-deposits into your external bank account within 1 to 2 business days. 
  • Log back into your UKFCU online banking account and select "Verify" under status. Confirm the micro-deposit amounts. 
  • Once the account is verified and the status is "Active" you can start scheduling transfers.
  • These transfers can be scheduled into your savings or checking account or directly towards a loan.



 Yes! You can pay your UKFCU auto loan by setting up an external transfer. Just follow the steps below:

  • Login into online banking and click External Transfer
  • Select Add External Account
  • You will then  be prompted to receive a one-time PIN number for verification
  • You will then add the routing number and account number from your other financial institution and select whether it is a savings or checking.
  • You will receive two micro-deposits into your external bank account within 1 to 2 business days. 
  • Log back into your UKFCU online banking account and select "Verify" under status. Confirm the micro-deposit amounts. 
  • Once the account is verified and the status is "Active" you can start scheduling transfers.
  • These transfers can be scheduled into your savings or checking account or directly towards a loan.



 Yes! You can pay your UKFCU auto loan by setting up an external transfer. Just follow the steps below:

  • Login into online banking and click External Transfer
  • Select Add External Account
  • You will then  be prompted to receive a one-time PIN number for verification
  • You will then add the routing number and account number from your other financial institution and select whether it is a savings or checking.
  • You will receive two micro-deposits into your external bank account within 1 to 2 business days. 
  • Log back into your UKFCU online banking account and select "Verify" under status. Confirm the micro-deposit amounts. 
  • Once the account is verified and the status is "Active" you can start scheduling transfers.
  • These transfers can be scheduled into your savings or checking account or directly towards a loan.



 Yes! You can pay your UKFCU auto loan by setting up an external transfer. Just follow the steps below:

  • Login into online banking and click External Transfer
  • Select Add External Account
  • You will then  be prompted to receive a one-time PIN number for verification
  • You will then add the routing number and account number from your other financial institution and select whether it is a savings or checking.
  • You will receive two micro-deposits into your external bank account within 1 to 2 business days. 
  • Log back into your UKFCU online banking account and select "Verify" under status. Confirm the micro-deposit amounts. 
  • Once the account is verified and the status is "Active" you can start scheduling transfers.
  • These transfers can be scheduled into your savings or checking account or directly towards a loan.



 Yes! You can pay your UKFCU auto loan by setting up an external transfer. Just follow the steps below:

  • Login into online banking and click External Transfer
  • Select Add External Account
  • You will then  be prompted to receive a one-time PIN number for verification
  • You will then add the routing number and account number from your other financial institution and select whether it is a savings or checking.
  • You will receive two micro-deposits into your external bank account within 1 to 2 business days. 
  • Log back into your UKFCU online banking account and select "Verify" under status. Confirm the micro-deposit amounts. 
  • Once the account is verified and the status is "Active" you can start scheduling transfers.
  • These transfers can be scheduled into your savings or checking account or directly towards a loan.



Yes! You can become a member if you are an international resident.
Here's what you'll need to open your account:

  • Valid government-issued photo ID - (Passport, Driver's License, or State ID Card)
  • $25.00 membership deposit. This is not a fee and will be refunded if the account is closed.
  • Proof of full legal name, date of birth, and residential address.
  • Your Tax Identification Number, such as Social Security Number, Foreign TIN, or US-issued ITIN

Bring these items with you when you visit your UKFCU Branch.

Yes! You can become a member if you are an international resident.
Here's what you'll need to open your account:

  • Valid government-issued photo ID - (Passport, Driver's License, or State ID Card)
  • $25.00 membership deposit. This is not a fee and will be refunded if the account is closed.
  • Proof of full legal name, date of birth, and residential address.
  • Your Tax Identification Number, such as Social Security Number, Foreign TIN, or US-issued ITIN

Bring these items with you when you visit your UKFCU Branch.

Only UKFCU Business Accounts may make external international wire transfers. Personal accounts are not eligible for external international wire transfers.

Both Business and Personal Accounts can receive internal wires from abroad.

Receiving and transferring international funds are subject to service fees

 

Yes! Both Business Accounts and Personal Accounts can receive wired funds from international accounts.

However, only UKFCU Business Accounts can send funds to international accounts. Personal accounts are unable to send funds internationally from their accounts. 

Receiving and transferring international funds are subject to service fees

We are offering several member relief programs during this unprecedented time. Please visit https://www.ukfcu.org/covid-19 for full details.

We are offering several member relief programs during this unprecedented time. Please visit https://www.ukfcu.org/covid-19 for full details.

We are offering several member relief programs during this unprecedented time. Please visit https://www.ukfcu.org/covid-19 for full details.

We are offering several member relief programs during this unprecedented time. Please visit https://www.ukfcu.org/covid-19 for full details.

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-payment form below:

Skip-a-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

 

COVID-19 SKIP-A-PAYMENT

Due to the coronavirus outbreak and the financial hardship many families are facing, UKFCU is offering additional skip-a-pay options. These additional options are available for a limited time. For full details please visit https://www.ukfcu.org/covid-19

We are offering several member relief programs during this unprecedented time. Please visit https://www.ukfcu.org/covid-19 for full details.