There are many benefits to being apart of the Wildcat family!

Bleeding Blue comes with its perks, and as the official credit union of the University of Kentucky, UKFCU provides exclusive benefits to UK employees like you.

But first, What is a Credit Union?

Why join UKFCU?

UK Federal Credit Union is a not-for-profit financial cooperative. As mentioned, this means extra money isn’t given to a few stockholders but returned to members in the form of better rates and services. Our sole purpose is to serve the financial needs of our members by offering quality service and products while maintaining a financially strong institution. 

Who can join?

As a new employee at the University of Kentucky, you automatically qualify for membership! 
Friends and family can also qualify by being:

  • UK Employees
  • UK Alumni
  • UK Students
  • Select Employee Groups
  • KCTCS Employees and Students
  • Family Members & members of the same household
  • Specific geographic areas in Fayette Co. 

What do I need to open my account?

To open your account and start receiving  your UK Employee benefits, you'll need the following:

  • Government-issued photo ID
  • UK Staff ID
  • $25 Deposit into Savings

Benefits of Membership

Retirement Reviews

  • Complimentary Retirement Review Annually for UK Employees and access to investment services available through CUSO Financial Services, L.P.


  • NO origination or lender fees for UK employees
  • Save on closing costs when you purchase your home through our Home Plus Program

Determine your Home Loan needs through calculators:




Access to Smart Money Center​

  • Personalized courses with wellness-boosting tools
  • Fun, interactive games to keep you focused on building strengths
  • Dynamic videos and articles to expand your skillset
  • PLUS, a .25% discount on your next auto loan when you complete the Creating a budget (and sticking to it) course.

Checking Accounts

With UKFCU, your personal checking account is absolutely free. It’s also completely flexible, so it fits your lifestyle now and wherever the future takes you!
Some of your checking account benefits include:

  • No minimum balance
  • UDesignYourWay - Design your own debit card to fit your unique style.
  • No monthly service charge, ever!
  • Overdraft protection
  • Instant issue Visa debit card at any of our branch locations.
  • First ordered box of checks are FREE
  • FREE ATM access across the US with Allpoint - ATM Locator

Visa Signature & Platinum Credit Cards

  • Low APR
  • No-fee balance transfers
  • No annual fee
  • No penalty interest hikes
  • CURewards Program

Ready to join? We make joining is easy and hassle free!

We get it, you are busy! You can open your account today online by clicking the "Open Account" button below.

Join Today

You can also open an account in-branch by visiting one of our six branch locations, or by calling us at 859.264.4899.