There are many benefits to being a part 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.

Why join UKFCU?

UK Federal Credit Union is a not-for-profit financial cooperative. 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. 

As a new employee at the University of Kentucky, you automatically qualify for membership! But there are many other ways friends and family can be eligible for membership outside of being associated with UK. Check out the complete list of our Preferred Partners below.

Preferred Partners


checkclipboard 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

Join Now

Benefits of Membership

bank Investment Services

  • Complimentary Retirement Review Annually for UK Employees and access to investment services available through CUSO Financial Services, L.P.
  • 403(b) and 401(k) guidance and management
  • Pre- and post-retirement planning
  • Portfolio reviews, analysis, and assessments
  • Advisory investment accounts
  • Employee benefit options
  • Financial planning
  • Investment strategy

Meet our Investment Representatives

home Mortgages

  • NO origination or lender fees for UK employees
  • Save on closing costs when you purchase your home through our HomeBuying Concierge.

Determine your Home Loan needs through calculators:


check Additional Benefits

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 Banzai Plus course.

Smart Money Center

Checking Accounts

  • No minimum balance
  • No monthly service charge
  • Overdraft protection
  • Instant issue Visa debit card at any of our branch locations.
  • First ordered box of checks are FREE
  • ATM access across the US with Allpoint - ATM Locator

Checking Accounts

Visa Signature & Platinum Credit Cards

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

Credit Cards


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

We get it, you are busy! You can open your account today online by clicking the "Open Account" button below. You can also open an account in-branch by visiting one of our six branch locations, or by calling us at 859.264.4200.

Open Account