University of Kentucky
Verified Information
NCUA Insured
Member-Owned
1 charter
Established in 1937
Contact this credit union directly for detailed information about membership eligibility and current rates.
Membership Eligibility
Anyone who lives, works, or worships in or around Lexington, KY may be eligible to join. Community credit unions are open to the general public within their service area.
Check eligibility on their website →Verified Information
NCUA Insured — deposits protected up to $250,000
Member-Owned — not-for-profit cooperative
1 charter
Established in 1937
Low-Income Designated
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
Location & Directions
Service Area
This credit union is located in Lexington and serves members in the KY area. Currently serving 111,889 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 · NCUAKey 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
6.65%Used Auto Loan
6.75%Personal Loan
7.86%Credit Card APR
14.17%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).
Lexington, KY
Lexington, KY
Bowling Green, KY
Lexington, KY
Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
Branches & Locations(9 total)
Member Reviews
4.0
548 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google Maps
Amariah McIntosh
3 months ago
I like the newly redesigned space. Since I live out of state, this is the first time I've been here in many years. The teller was courteous and professional, but I would expect no less. I still wish I could do shared branching at your location. For someone like me, that is a lifesaver and a time saver!
Maurice Lykins
4 months ago
A new employee training from another branch took very good care of me. Her name was Kennedy, she answered all my questions and treated me like family. She gave me some very good advice. I learned a lot. I'll be back.
Lois McDonald
6 months ago
I joined UKFCU recently. I was having issues with my new UKFCU debit card and questions about some aspects of my account. Harry Song fixed my debit card, explained what I had questions about, and even printed information so I could study account aspects better. Harry showed respect and made me feel comfortable. He really listened. He's excellent at his job. Thanks Harry!
Mike Wheatley
5 months ago
Had a great walk in experience with UKFCU yesterday. Everything was handled professionally, and the teller was a pleasure to deal with...I didn't take note of her name, but it's teller 1088 according to my receipt!
Gonçalo Pinheiro
4 months ago
I made my first bank account in the US at UKFCU and it has been my main account ever since. All the staff I've dealt with is friendly and very helpful and the products, from savings accounts to credit cards, are great
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).
Key Information
Phone
(859) 264-4200Website
Visit WebsiteMembers
111,889
Total Assets
$1.6B
Year Opened
1937
Net Worth
Well Capitalized
Designations
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile