How do I provide my car insurance?

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. 

How do I pay my credit card online?

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.

You may also pay your credit card statements using the same prompts in mobile banking or on our website using the PAY NOW quick link.

How do I pay my personal loan online?

The easiest way to pay your personal loan online is through online or mobile banking.

  • Select the "Make a Payment" tab and then select "Loan Payment."
  • Select which account you want the payment to come from. You may select a UKFCU account or link an external account from a different financial institution.
  • Complete the remaining prompts.

Please keep in mind that external transfers take 2 – 3 business days to process and post to your account. Midwest Mortgages can be paid off from the Mortgage Payment link under the “Loan Payments” menu. Student Choice student loan payments can be paid from the Student Loan Payment link under the “Loan Payments” menu. 

If you don't have online or mobile banking, you may also pay your personal loan online for free using our PAY NOW service through Paypoint. 

How do I pay my home equity loan online?

The easiest way to pay your Home Equity loan online is through online or mobile banking.

  • Select the "Make a Payment" tab and then select "Loan Payment."
  • Select which account you want the payment to come from. You may select a UKFCU account or link an external account from a different financial institution.
  • Complete the remaining prompts.

Please keep in mind that external transfers take 2 – 3 business days to process and post to your account. Midwest Mortgages can be paid off from the Mortgage Payment link under the “Loan Payments” menu.  

If you don't have online or mobile banking, you may also pay your loan online for free using our PAY NOW service through Paypoint. 

How do I pay a loan online?

The easiest way to pay your loan online is through online or mobile banking.

  • Select the "Make a Payment" tab and then select "Loan Payment."
  • Select which account you want the payment to come from. You may select a UKFCU account or link an external account from a different financial institution.
  • Complete the remaining prompts.

Please keep in mind that external transfers take 2 – 3 business days to process and post to your account. Midwest Mortgages can be paid off from the Mortgage Payment link under the “Loan Payments” menu. Student Choice student loan payments can be paid from the Student Loan Payment link under the “Loan Payments” menu. 

If you don't have online or mobile banking, you may also pay your loan online for free using our PAY NOW service through Paypoint. 

How do I pay my car loan online?

The easiest way to pay your auto loan online is through online or mobile banking.

  • Select the "Make a Payment" tab and then select "Loan Payment."
  • Select which account you want the payment to come from. You may select a UKFCU account or link an external account from a different financial institution.
  • Complete the remaining prompts.

If you don't have online or mobile banking, you may also pay your auto loan online for free using our PAY NOW service through Paypoint.


Insurance

If you need to upload auto 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. 

How can I skip a payment on my loan?

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

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
How long will it take to receive a vehicle title when a member pays their auto loan off?

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.

If I get an auto loan through UKFCU do I have to purchase a car from an auto dealer?

No, we do finance private sales. Apply for an Auto Loan today!

Current Members Apply Here New Members Apply Here

Can my loan be paid off by a third party?

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 800-234-8528, 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.
Can I apply for work out assistance on all my loans If I have more than one?

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.

  • 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 800-234-8528.
  • In Person. You can always stop by a branch location and meet with us personally.

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.

How long will it take to receive a vehicle title when I pay off my auto loan?

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.

How long does a loan approval take?

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

What insurance requirements do you have for auto loans?

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.

Do you have loans for motorcycles?

Yes, we are proud to offer motorcycle loans!

How do I check the status of a loan application?

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

If I have bad credit, can I qualify for an auto loan?

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.
  • 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 online banking and the mobile app. Sign in and select "Apply for a Loan" and then select the "Auto Loan" 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.

What are the current auto loan rates?

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

How do I apply to refinance my auto loan?

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​​​​​​​

 

Can I apply for an auto loan if I have not found the car I want yet?

You can apply for an Auto Loan online, even if you have not yet found the car you want!
 

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