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Quick rates

For a full list of rates, click either Deposit Rates or Loan Rates for the appropriate type of product.

Car Loan: 2.49%* Credit Card: 7.24%*
Boat/RV Loan: 5.49%* Money Market: .50%**
Home Equity Loan: 5.24%* Share Certificates: 2.05%**
Home Equity Line of Credit: 4.00%*
*as low as **as high as
Truth In Savings/Rate and Fee Disclosure

Rates are effective as of 10/3/14. Rates are subject to change and credit approval.

  • Give the Gift of Membership this Holiday Season
    It’s the season of giving! Share a gift you’ll both enjoy, refer a new member to UKFCU and when they join, you each receive $25! Now through December 31, 2014!
    Click here for a printable referral form or pick up a referral card at any branch.
    Here are the details! 
    * Expires 12/31/14. Referral cards are available at all …
  • Enjoy the season! Holiday Loans

    Enjoy the season!  Holiday Loans as low as 9.49% APR.* Offer good through December 31, 2014. Stop in a branch, apply for a loan online or call UKFCU  859.264.4200.
    *Annual Percentage Rate. Rate based on credit history and subject to change. Minimum loan amount is $1,000, up to a maximum of $2,500. Repayment term is set …

  • Load up on Visa Rewards this Holiday Season
    Use your UKFCU Visa credit card Thanksgiving Day through Cyber Monday and receive double CURewards points! All in-person and online transactions will qualify. Happy shopping from UKFCU!
  • NEW CD Rates at UKFCU Help You Earn More!
    UKFCU has just increased rates on ALL of our certificates! Click here to see how you can earn more with your credit union! This is a limited time offer. Visit your nearest branch or call 859-264-4200 to learn more.
  • Dealer Auto Cash – Get $20 Shell Gas Card or $50 Visa Gift Card Receive a FREE $20 Shell gas card by bringing the Dealer Auto Cash Form to a participating dealership. Or, upgrade to a $50 VISA® gift card when you purchase a vehicle from a participating dealership and finance your loan with UK Federal Credit Union! Call or visit to get pre-approved before you shop or tell your …
  • Credit Unions & Gen Y are a Perfect Fit Why Credit Unions Fit Gen Y
    Generation Y, also called the Millennial generation, has been defined in rather fluid ways, but are generally those born between 1980 and the year 2000. I know what you’re thinking; there is a large difference between a 14 year old and someone who is in their early thirties. Quite true, …
  • 5 Tips for Getting the Most out of Your Credit Card Pay On Time
    Paying your credit card on time helps you avoid late fees and the possibility of having your interest rate increased and helps you maintain a good credit record.Stay Below Your Credit Limit
    Some credit card issuers charge an additional fee if you go over your credit limit and some may even increase your interest …
  • What will your retirement look like?
    The UK Federal Credit Union provides a complimentary service to help make sure you are on track for retirement. Take advantage of a 15 minute one-on-one session with Roy Wagner, Investment Representative with CFS*, to make sure you have the confidence to move forward in your retirement.
    He’ll help you answer questions like, Do you have …
  • Ways You Can Save on Higher Education Costs According to a recent survey over three quarters of all Americans have said they are living paycheck to paycheck, meaning they have little if any savings. How then can so many Americans attend college, since higher education costs thousands of dollars every year?
    The answer is many are going into no small debt for the privilege …
  • Predictions That Were Really Off the Mark Predictions That Were Really Off the Mark
    It is always funny when experts get it wrong. Here are some classic predictions.
    “Computers in the future may weigh no more than 1.5 tons,” by Popular Mechanics, 1949.
    “I think there is a world market for maybe five computers,” by Thomas Watson, chairman of IBM, 1943.
    “Everything that can be invented …
  • 12 Tips to Save Money in 2014 12 Tips to Save Money in 2014
    Over the years, I have realized the best way for me to save money is to have it deducted automatically from my paycheck and deposited directly into a Savings account. Some people reading this might be saying to themselves they don’t have anything left to save after paying their …
  • Coupon Sites to Help You Save Money! Coupons to Help You Save Money!
    I am sure you’ve noticed prices of food and other products have been increasing over the last few years. As a result you’ve necessarily become more conscious about spending your hard-earned dollars every time you shop. Whether it’s for necessary items, such as food or gas, or so-called luxury items, …
  • More Scams to Avoid More Scams to Avoid
    According to the BBB, these are the scams that seemed to be the most widespread, aimed at the most vulnerable, growing in popularity, or just plain audacious.
    Medical Alert Scam
    Here’s a new twist to a telemarketing scam. With promises of a “free” medical alert system, the scam target seniors and caretakers and claim …
  • Why You May Never Be Rich Why You May Never Be Rich
    No, not because you don’t have any rich relatives. There are some financial bad habits common to many in our society.  Some of these are entirely obvious, yet are mistakes people frequently make in handling their finances.

    We spend too much money too frequently. This is most commonly referred to as …

  • How Long Does Information Stay on Credit Reports?
    How Long Does Information Stay on Your Credit Report?
    This is a common question and recently Terri Williams, of Consumer Information Solutions, shared some useful information on this topic. Here’s what Terri had to say, “I recently had a client call me about trying to dispute a bankruptcy that was still reporting on their credit report. …

See More Blog Entries

  • Protect Your Identity with LifeLock – UKFCU Member Discount
    If your information falls into the wrong hands, the effects could be devastating. LifeLock is the industry leader in identity theft protection and offers a proactive alert system, advanced screening technology, 24/7 live member service and more. Just call 1-800-LifeLock or vist LifeLock.com.
    Discount: Get 30 days free and 10% off LifeLock membership!*
    Promo code: UKFCU
    * At the end of …
  • Home Depot Debit and Credit Card Compromise Update As many have heard, The Home Depot had a compromise that potentially impacts customers who used debit/credit cards at their stores in 2014 from April on.
    Remember that you are not responsible for unauthorized transaction that you report to UKFCU. If you notice any suspicious activity on your account, please let us know as soon as …
  • P.F. Chang’s Data Breach – Update UKFCU is closely monitoring the situation with the recent data breach at P.F. Chang’s. Click here for the latest information http://www.pfchangs.com/security/
  • WARNING – UKFCU.COM is a Phishing Website! Please use caution when accessing UKFCU.org. Recently a website has been discovered using UKFCU.com, possibly fooling our members into thinking they are the University of Kentucky Federal Credit Union website.
    University of Kentucky Federal Credit Union suggests the following tips to avoid phishing websites:

    Make sure you are entering the correct site name – UKFCU.org not UKFCU.com.
    Type …

  • Target Data Breach Update as of January 16, 2014 New light has been shed on the Target breach, which may now include 110 million people. It appears that someone managed to distribute malware onto Target’s Point-of-Sale terminals. The malware parses data briefly stored in the terminals (stripe data) and then stored on the target servers for download. The username and password used to access …
  • July 9, 2012 – Phishing Scam UKFCU has been made aware that a number of people in the Central Kentucky area have received a letter that claims to inform the recipient that they are a “Customer Service Evaluator”.
    The letter says that the recipient is to evaluate Western Union by performing a wire transfer. It also states this is paid training at …
  • October 17, 2011 – Phishing Scam UKFCU is receiving phone calls from members concerning a phishing scam.
    The phone calls members are receiving are automated and state it is from the CU, that their account has been deactivated and in order to reactive the account they must enter their 16 digit debit card number.
    Do not enter your debit card number!
    Once they enter …
  • September 26, 2011 – Phishing Scam UKFCU has received notice of a phishing attempt. Some members are reporting receiving a text message like the following:
    “18599083268@creditunionaccess.com// a pending alert has been placed on your credit union card. Call toll free 1-859-908-3268 for more information.”
    Please delete and ignore any such text message. If you have responded to the text message, please …
  • July 8, 2011 – Phishing Scam UKFCU has received notice of a phishing attempt involving text messages. The text messages are being received from the number 404-956-0917 claiming to be from Greater KY CU. The message typically states that a debit card has been compromised and to contact 859-215-0089. This message was not sent by UKFCU and is indeed a scam. …
  • May 4, 2011 – Phishing Scam UKFCU has received notice of a phishing attempt involving text messages. The text messages are being received from the number 331-442-5288 and inform the recipient that it is supposedly from the UK F.C.U. informing them that their card has been canceled. The text then says to call 502-352-8499 and enter their card information to reactivate …

Upcoming Events

Click an event listed below to see more information. Click to open/close all events listed below.

Thu 11/27/14: UKFCU Closed for Thanksgiving Day

Title: UKFCU Closed for Thanksgiving Day
Time: All Day
Description: All UKFCU branches will be closed in observance of Thanksgiving Day

Thu 12/25/14: UKFCU Closed for Christmas Day

Title: UKFCU Closed for Christmas Day
Time: All Day
Description: ALL UKFCU branches will be closed for Christmas Day