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3939 S Dixie Blvd
Radcliff, KY 40160-5113

Fort Knox Federal Credit Union primarily serves areas of north central Kentucky. However, its field of membership now includes members of American Consumer Council which is free and open to anyone. Credit union membership requires a $10 one-time fee and a minimum $5 balance in the share savings account.

Field of Membership Restrictions

Joining Fort Knox Federal Credit Union is incredibly simple and there are many of ways that you may qualify for membership. You can qualify if: • You are an employee of any of our Select Employer Groups (see below) • You live, work, worship, attend school, or regularly do business in our service areas* • You are active duty military, Reserve, Guard, or a civil service employee • You are retired military or civil service • You are a contractor attached to the post • You are a relative of someone who can become a member - See Details

Related Posts

Special 46-Month CD at Fort Knox FCU - Beware of Its History - 2/21/2014

If you haven't been turned off by what Fort Knox Federal Credit Union did in 2011 , you may want to consider its current CD special. It just came out with a special 46-month CD with a 2.05% APY. There ...

11/26/11 - Issues With CD Early Withdrawal Penalty At Fort Knox Federal Credit Union
11/16/11 - Inflation Dangerous Banks - Those That Could Refuse CD Early Withdrawals
10/25/11 - Fort Knox FCU's 59-Month CD And Its Large Early Withdrawal Penalty
9/23/11 - NCUA Rules in Favor of Credit Union That Raised Early Withdrawal Penalty on Existing CDs
7/27/11 - Fort Knox FCU -- Early Withdrawal Penalty
6/17/11 - Highest 5-Year CD Rate in the Nation at Fort Knox Federal Credit Union
3/31/11 - Credit Union Increases Early Withdrawal Penalty on Existing CDs
12/23/10 - Top CD Rates at Fort Knox Federal Credit Union - Easy Membership
10/15/10 - Fort Knox FCU Slashes Long-Term CD Rates
10/11/10 - Comparing the Best Long-Term CD Rates and Early Withdrawal Penalties
10/5/10 - Fort Knox FCU Cuts Money Market Rates
8/27/10 - Internet Savings Accounts - Is Rate Chasing Still Worthwhile?
7/27/10 - Fort Knox FCU Limits Special CD Rates To Local Residents
7/16/10 - Special CD Rates Rise at Fort Knox FCU - Easy Membership
6/2/10 - Fort Knox FCU Cuts the Top Rate of Its Money Market Account
6/2/10 - Money Market Interest Rate For Over $50K Has Dropped From 1
4/19/10 - Update on Fort Knox Federal Credit Union and Its High-Yield CDs
4/9/10 - Competitive CDs, Money Market Account & Credit Card at Fort Knox FCU in Kentucky - Easy Membership
3/25/10 - 2.50% 22-Month CD & Other Top CD Rates at Fort Knox FCU in Kentucky
12/9/09 - 2.15% 13-Month CD & 3.50% 60-Month CD at Fort Knox Federal Credit Union in Kentucky - Local Only
8/13/09 - 2.50% 7-Month CD & 2.60% 11-Month CD at Fort Knox Federal Credit Union in Kentucky - Local Only
8/27/08 - 5.00% 7-Month CD at a Kentucky Credit Union (Fort Knox)
10/3/07 - 5.65% 7-Month CD at a Kentucky CU (Fort Knox)
6/29/07 - 6.00% 7-Month CD at a Kentucky CU (Fort Knox)
6/19/07 - 5.65% 7-Month / 5.65% 17-Month CD at a Kentucky CU (Fort Knox)
4/27/07 - 5.50% 7-Month / 5.50% 17-Month CD at a Kentucky CU Continues (Fort Knox)

Identity Protection Offered By Credit Union

Recently I was informed by credit union provider of identity protection my coverage had been cancelled. When I ask the representative with Identity Secure who authorized the cancellation I was told to contact the financial institution where I purchased the service. I contacted the credit union and spoke to a representative regarding the cancellation without my authorization and why the fee for service was still being deducted from my account. The representative would not provide the information I requested. I commend the credit union for refunding the fees, however I believe there is a communication problem between the credit union and identity protection provider.

Customer No-Service

Like many other consumers intent on protecting their credit and identity, I recently placed a fraud alert on my credit report.  Fraud alerts are an added layer of protection that forces lendors and banks to contact you and verify certain details before opening accounts in your name.  I have since opened three accounts, and yes, it means waiting a day or two for the bank to receive my driver's license, etc, to verify that I am who I say I am, but it is fine, and I can rest assured that nobody can just walk into a bank and immediately open an account in my name.

But when I applied for a Ft. Knox account, the website said "withdrawn" loan status. Nobody called me or emailed me or anything.  When I called, the agent said that I had to wait 6 months to apply again because there was fraud on my credit.  I explained that it wasn't fraud; it was a fraud alert I had placed. She didn't seem to know the difference. She spoke to a supervisor, then came back and said the same thing, suggesting that she had no way of verifying who placed the alert.  I asked to speak to a supervisor and she said that wasn't possible.  I asked another question and she never bothered to answer. Several minutes of dead silence and the call was over.  

When fraud alerts were set up, they were never intended to be used by banks in this way.  If you are a smart consumer, financially savvy, and eager to protect your identity, don't apply to this bank.  Their policies about fraud alerts (which the agent herself admitted, were not written down) are backwards.  I honestly think this bank assumes there is fraud on my account.  The board at this bank needs to revisit its policies and training for supervisors and agents.  I plan to follow up with the NCUA to ensure that no other customer experiences the same trouble just because they were trying to protect their credit.

Very Good CU

 In response to: Does Not Offer ACH. If you set up bill pay with them one can ACH out. If one goes to a CU that is a shared member( go to one can ACH in with a check from your bank or if you belong to a CU that is shared, one  can ACH all day long.

Overall Outstanding Customer Service

FKFCU is IMHO one of the very best in the nation for excellent customer service via the web and by direct interaction with their superior customer service reps by telephone. I have been a member for many tears and now reside in another state but maintain several accounts with them because of their excellent staff, and above average CD rates.



Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Fort Knox Federal Credit Union had $2.93 million in non-current loans and owned real-estate with $171.56 million in equity and loan loss allowances on hand to cover it. This gives Fort Knox Federal Credit Union a Texas Ratio of 1.71% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Fort Knox Federal Credit Union decreased dramatically from 2.52% as of March 31, 2013 to 1.71% as of March 31, 2014, resulting in a positive change of 32.32%.This indicates that the balance sheet and financial strength for Fort Knox Federal Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Fort Knox Federal Credit Union has increased its total deposits by $52.42 million, resulting in 5.65% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Fort Knox Federal Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Fort Knox Federal Credit Union has $1.15 billion in assets with $171.56 million in equity, resulting in a capitalization level of 14.96%, which is excellent.

Institution Statistics

NCUA #7000
Year Chartered1950
Primary Regulator
Assets and Liabilities
Assets$1.15 billion
Loans$726.73 million
Deposits$979.79 million
Equity Capital$160.66 million
Loan Loss Allowance$10.91 million
Unbacked Noncurrent Loans$2.62 million
Real Estate Owned$309,000
Historic Data - March 2013
Assets$1.08 billion
Equity Capital$146.53 million
Loan Loss Allowance$10.23 million
Unbacked Noncurrent Loans$2.62 million
Real Estate Owned$263,000
Profit Margin - Quarterly
Return on Assets1.35%
Return on Equity9.64%
Interest Income$9.52 million
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Fort Knox Federal Credit Union Savings Account Rates

0.25%$100k-Traditional IRA
0.25%$100k-Roth IRA
0.25%$100k-Educational IRA

Fort Knox Federal Credit Union Money Market Rates

0.60%$250k-Money Market Account

Fort Knox Federal Credit Union CD Rates

1.65%$500-46 Month CD Special
1.40%$500-59 Month CD
1.25%$500-48 Month CD
1.00%$500-36 Month CD
1.00%$500-23 Month CD Special
0.90%$500-14 Month CD Special
0.75%$500-30 Month CD
0.65%$500-24 Month CD
0.55%$500-18 Month CD
0.40%$500-12 Month CD
0.25%$500-6 Month CD
0.15%$500-3 Month CD

Fort Knox Federal Credit Union has 17 locations. Click to view all Fort Knox Federal Credit Union locations.