Relief Options for Current Members

tip Disaster Loan Assistance 

We understand you might be concerned about the impact of COVID-19 on your business. As your partner, we are here to help with solutions to fit your situation. In addition to our normal commercial lending, we wanted to make you aware of federal assistance programs you may also qualify for during these trying times.



scales Trinity Debt Management

UKFCU has a long standing partnership with Trinity Debt Management. Trinity is available to help families and individuals persevere through challenging economic times by providing confidential credit counseling and debt management services for those experiencing debt problems. 

Please visit the Trinity Debt Management page to speak with someone regarding your specific situation. 


openbook UKFCU Smart Money Center

Our Smart Money Center is a completely free resource covering a wide range of topics on money management. As many are facing challenging economic times, please utilize this resource for helpful tips on budgeting, spending less, managing debt and much more.

Get started by reading the article How COVID-19 is Impacting Jobs and Where to Find Financial Support.  


bookmark Student Loans

If you currently have a student loan through UKFCU and StudentChoice, please click here for more details on your account during this time.


textfile Credit Reports

In response to Covid-19, is offering free weekly reports from Experian, Equifax and Transunion now through April 2021. For more information and to access your credit report, visit

*Members must be in good standing. Member will subject to a Skip a Payment Fee of $29.00. First Mortgages, Home Equity Loans, Home Equity Lines of Credit, Cash Advantage Loans, Commercial Loans, Certificate Secured Loans and Note Loans are not eligible. Deferral of the scheduled payment will result in a higher total finance charge and extend the term of the loan. Member cannot have any charged-off shares, defaulted courtesy payment plans; delinquent credit card. Members may skip no more than one payment on an eligible loan in a rolling calendar year. This will count skips processed during the COVID-19 Relief Period. This will count any extension agreements in a rolling calendar year. Offer valid through June 30, 2020.


Still need help?

If you are not finding an option to serve you or just have questions, please do not hesitate to contact us. We can be reached at 859.264.4200 or [email protected]*.

All of our branch locations, with the exception of the Student Center location, are still serving members through the drive-thru windows. Hours are Monday through Friday from 9 am - 6 pm, and Saturday 9 am - 1 pm.

Branch Locations

*email is not a secure form of communication