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Class Act

3620 Fern Valley Rd, Louisville, KY 40219
NCUA Insured4.0 (75 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1954

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

Location & Directions

Address

3620 Fern Valley Rd

Louisville, KY 40219

Service Area

This credit union is located in Louisville and serves members in the KY area. Currently serving 23,015 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

5.24%

Used Auto Loan

6.24%

Personal Loan

15.74%

Credit Card APR

13.25%

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).

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

Branches & Locations(6 total)

Member Reviews

4.0

75 Google reviews

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

View on Google Maps
Ilyn Payocong

Ilyn Payocong

7 months ago

I have been a member of Class Act for a period of time but i rarely come to the branch, but when i came, i was so impressed with the branch appearance compared to other credit unions. It was so clean & modern looking. They also have a clean public rest room for the members. Everyone looked professional & friendly. DIANA was my teller & she’s very helpful, accommodating & a sweet lady. She’s very patient with all my requests/transactions coz i am managing not only my personal account but also my husband’s & my 2 sons’ accounts. I was so impressed with them that the next time i visited the branch i brought my friend to open an account too & applied for the mortgage loan. Thanks also to DAYLIN for processing & approving her loan with ease. MERCEDES, my former colleague has always been very accommodating & helpful to me too. I have always heard from HESED from the marketing department that this credit union does not only offer great products & services but they also have the most caring staff & management! I would definitely recommend this credit union to all of my friends! Keep up the good works!

Mir Milb

Mir Milb

8 months ago

Credit union network ATMs don't accept cash deposits so you have to drive to their specific branches, but their ATMs are perpetually down for maintenance... if they are supposedly working, your cash deposit transaction will be canceled and you won't get your cash back.

Candace Foster

Candace Foster

11 months ago

I have enjoyed a long-time relationship with the credit union. I like their mentor or intern program of training young people in banking. Your money is protected with the credit union and it has helped me for many years when I was in a financial crisis. I love the courtesy and very friendly welcome I receive even in my financial situations, they have always been there for me without judgment

Matthew Jackson

Matthew Jackson

11 months ago

In a time when good customer service feels rare, working with Jake F. throughout the loan process was truly refreshing. He was knowledgeable, respectful, and incredibly easy to work with. Jake made the process fast, smooth, and completely stress-free. It’s not every day you find someone who genuinely puts the customer /member first — Jake absolutely did. Five stars without hesitation!

Kristen Hawthorne

Kristen Hawthorne

a year ago

As a JCPS employee, I felt silly if I didn't utilize this credit union. I am thankful that I have! I recently opened up a savings account and am working with the credit union to secure a loan for a new (and much needed) vehicle. Paula, and Jessica have been absolutely fantastic, personable and have brought back the excitement of financial services that seem to be lacking in today's industry. Thank you all so far for the great experience!

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).