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Bluegrass Community

PO BOX 81, Ashland, KY 41105
NCUA Insured4.1 (17 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1958

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO BOX 81

Ashland, KY 41105

Google Maps🗺Waze
(606) 324-0888

Service Area

This credit union is located in Ashland and serves members in the KY area. Currently serving 1,850 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

8.74%

Used Auto Loan

8.04%

Personal Loan

15.04%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in KY

Lowest rates currently reported by credit unions in KY (NCUA Q4 2025).

Members Heritage— New Auto Loan

Lexington, KY

1.99%
Members Heritage— Used Auto Loan

Lexington, KY

1.99%
Service One— Personal Loan

Bowling Green, KY

5.99%
Members Heritage— Credit Card APR

Lexington, KY

7.99%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(4 total)

Member Reviews

4.1

17 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
L Gunderson

L Gunderson

7 months ago

I have been a member for about 20 years. They think of you as a person and not a number. I have had loans and various accounts at this credit union. Very friendly and knowledgeable staff. This is not the biggest credit union in town, but it is the best.

Tomi Adkins

Tomi Adkins

a year ago

The staff, mainly the one who always answers when I call and waits on me when i go in, has zero personality and not an once of friendliness. When you work with the public that should a be a #1 qualification. Rather you care for the person or not, be nice, act like you like your job!

Jennifer Scarberry

Jennifer Scarberry

2 years ago

Very inconvenient that banking hours seem to be inconsistent.... has caused major inconveniences for us personally not being able to depend on posted hours. The staff is great, don't get me wrong, just personally caused some issues.

She She

She She

11 years ago

I'm very pleased with Bluegrass Credit Union. All of the Tellers and Office Manager "go above and beyond" to help meet customer needs. The entire staff is always friendly, helpful and "personable". The customer service is excellent! :-)

Fonda Glanville

Fonda Glanville

9 years ago

This place is absolutely terrible. Their computer system goes down all the time and you cannot get to your money and they have blocked everyone's credit card except for use in Ky, Oh, and WV....sorry I pay bills online and not all are in the tristate area!!! Would it recommend to anyone.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).