Can I open an account if I am an international student or worker?

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.

What is your phone number?

859.264.4200 or 800.234.8528 


Can I use UKFCU as a shared branch?

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. 

Where are the Shared Branching Locations and what are their hours?

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

Who owns a Credit Union?

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.

Are you a full service financial institution?

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!

What are your 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.

Can anyone join the credit union?

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.

What is your SWIFT code?

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.

How do you invest in the community?

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.

What are your hours?

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.

What holidays will you be closed?

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.

Where can I get information about career opportunities?

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

What is your contact information such as your mailing address?

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, or by email at [email protected]*.

*Please Note: E-mail is not a secure means of communication, and confidential information should not be conveyed.
What is your routing/ABA number?

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.