Owensboro

717 Harvard Drive, Owensboro, KY 42301

NCUA Insured3.8 (16 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1953

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 Owensboro, 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 1953

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

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

717 Harvard Drive

Owensboro, KY 42301

Google Maps 🗺Waze

(270) 683-1054

Service Area

This credit union is located in Owensboro and serves members in the KY area. Currently serving 6,076 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

4.75%

Used Auto Loan

5.00%

Personal Loan

10.00%

Credit Card APR

14.88%

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

3.8

16 Google reviews

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

View on Google Maps

Greg “Greg” Kimmel

7 months ago

This is an exceptional bank which has stuck with me through divorce, fires, car loans, personal loans, job changes. The list goes on. Thank you Owensboro Federal Credit Union. 22 years now I think you've put up with me. Thank you. Greg Kimmel

Paula Sapp

a year ago

Have used this credit union since 1986. They have always been friendly, helpful, and professional to me. Whether I go in, drive through, or call, they have always given me prompt service. I placed a password on my account and require photo ID. That was my choice and they respect that.

Audriana Mckenzie

9 months ago

Terrible bank. My bank app and card randomly stops working. That being said they have very slow reaction times to fixing these problems.

Vanessa Hanley

2 years ago

I've Banked here for over 25yrs. The staff is awesome. I can't say enough about them. Come join us as members of Owensboro Federal Credit union. Harvard Drive & Triplet St. Locations. Love you guys.

t8ertot gaming

a year ago

Just a overall terrible, unprofessional, lazy establishment that treats their members and even staff members like trash. These individuals do not care about you or your experience, only about how quickly they can take your money and make you leave.