Transcend
Verified Information
NCUA Insured
Member-Owned
2 charter
Established in 1934
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 Louisville, 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
2 charter
Established in 1934
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 Louisville and serves members in the KY area. Currently serving 49,871 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
5.89%Used Auto Loan
6.29%Personal Loan
13.90%Credit Card APR
8.90%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(6 total)
Member Reviews
4.8
593 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google Maps
Shaun Gerber
4 months ago
Aliani is phenomenal! She is super responsive, clear, and genuinely cared about finding the best deal. She explained everything simply, caught issues proactively, and kept the process smooth and stress-free. The whole Transcend team was excellent to work with. We closed on time and couldn't be happier. Highly recommend Aliani and Transcend!
Angela Jones
3 months ago
Miriam and Jacob pleasantly helped me open a separate go green account from the already joint account with my husband. Miriam explained the differences for each checking accounts offered. She also instructed me how to do the e-statements on the app. I was very satisfied and thankful for excellant customer service.
Beth Warren
3 months ago
Aliani Viva Hernandez made purchasing my new home an absolute pleasure! Start to finish she made the process smooth & transparent. Transcend Credit Union rates were the best I found. Another lending agent reviewed and said "I can't touch this rate". I will definately recommend to all my friends and family!!!
Lauren Baum
5 months ago
My mom recently passed away. She had a car loan through Transcend. The car is sentimental to me and I wanted to keep it. Andrea was able to get the loan switched over to my name. This was a process and we encountered many issues that she was able to provide solutions for. Needless to say after a month and a half we have successfully made the switch. She was very helpful, always found a solution to the problem, and I am very happy and grateful for my experience with her. I decided to open an account and bank with them. Thank you for all your help and making this possible for me. If you need a new bank or a bank that is personable and willing to help you, TRANSCEND is your place. Andrea was awesome & I would highly recommend her.
John Gosling
3 months ago
Jacob S. was welcoming, polite, helpful beyond expectations and made my banking experience great. Can't wait to come back if I have any other issues or concerns. I love my credit union staff!
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
(502) 459-3000Website
Visit WebsiteMembers
49,871
Total Assets
$571.8M
Year Opened
1934
Net Worth
Well Capitalized
Designations
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile