Transcend Credit Union

Overview / Commentary
3740 Bardstown Rd
Louisville, KY 40218-2254

Transcend Credit Union is headquartered in Louisville and is the 7th largest credit union in the state of Kentucky. It is also the 717th largest credit union in the nation. It was established in 1934 and as of June of 2022, it had grown to 68 employees and 46,453 members at 6 locations. Transcend Credit Union's CD rates are 94% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Transcend Credit Union is open to those who live, work, worship, attend school, or volunteer in the Kentucky counties of Anderson, Bourbon, Boyle, Bullitt, Clark, Daviess, Estill, Fayette, Franklin, Garrard, Harrison, Henry, Jefferson, Jessamine, Lincoln, Madison, Mercer, Nicholas, Oldham, Powell, Scott, Shelby, Spencer, Trimble, or Woodford.
See current membership details

Reviews (1)

Very satisfied with Kytelco

This has been a great local bank to work with. The employees were very friendly and it did have the local bank feel, instead of the long-wait or the operator-based customer service one would typically expect with larger banks. The wait time was never very long, and there were never really any lines at the bank. The best thing I really like was the feeling that there were never any hidden fees, which is very different than a lot of other banks I have encountered. As far as the products go, I believe they do offer a rather competitive package, although without the lucrative bonuses, or referral kick-backs. But overall, I enjoyed working with this bank, its friendly and professional employees, and the warm atmosphere. I would suggest anyone to bank here, but the only issue is that you may not live conveniently next to one, and may be better served by a national chain bank which is more practical.


Health Grade Components

NCUA #68666
Year Chartered1934
Primary Regulator
Profit Margin
Return on Assets - YTD0.46%
Return on Equity - YTD3.91%
Annual Interest Income$5.7MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$495.4MM$486.4MM
LoansQ2 2022vs Q2 2021$351.0MM$305.5MM
DepositsQ2 2022vs Q2 2021$414.8MM$411.2MM
Equity CapitalQ2 2022vs Q2 2021$58.3MM$56.8MM
Loan Loss AllowanceQ2 2022vs Q2 2021$437.00K$710.00K
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$186.00K$304.00K
Real Estate OwnedQ2 2022vs Q2 2021$0$0
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Always verify rates and promotions with the bank or credit union. We are not Transcend Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Transcend Credit Union Savings Account Rates

0.25%*$100k*-Personal Reserve
OTHER TIERS: 0.10% Up to $5k | 0.15% $5k - $25k | 0.20% $25k - $50k | 0.22% $50k - $100k
0.15%*$50k*-Regular Savings
OTHER TIERS: 0.10% Up to $15k | 0.13% $15k - $50k
0.15%*$50k*-IRA Accumulation
OTHER TIERS: 0.10% Up to $15k | 0.13% $15k - $50k
0.15%*$50k*-Club Account
OTHER TIERS: 0.10% Up to $15k | 0.13% $15k - $50k
OTHER TIERS: 0.10% Up to $15k | 0.13% $15k - $50k
0.15%*$50k*-Dollar Dog
OTHER TIERS: 0.10% Up to $15k | 0.13% $15k - $50k

Transcend Credit Union Money Market Rates

0.90%*$250k*-Transcend Relationship Money Market Account w/ all qualifying Products
OTHER TIERS: 0.70% $25k - $100k | 0.80% $100k - $250k
0.70%*$250k*-Transcend Money Market Account
OTHER TIERS: 0.10% Up to $25k | 0.50% $25k - $100k | 0.60% $100k - $250k
0.70%*$250k*-Transcend Relationship Money Market Account
OTHER TIERS: 0.50% $25k - $100k | 0.60% $100k - $250k

Transcend Credit Union Checking Account Rates

1.15%*$15k*$25kRates Rewards Checking Account w/All Qualifying Products
OTHER TIERS: 0.13% $25k+ | 1.03% Up to $5k | 1.05% $5k - $15k
0.25%*$15k*$25kPrestige Checking
OTHER TIERS: 0.10% Any amount | 0.15% $5k - $15k
0.25%*$15k*$25kRates Rewards Checking Account
OTHER TIERS: 0.13% Any amount | 0.15% $5k - $15k

Transcend Credit Union CD Rates

2.50%$500-60 Month Share Certificate
2.40%$500-48 Month Share Certificate
2.25%$500-36 Month Share Certificate
2.10%$5k-36 Month Bump Share Certificate
2.00%$500-24 Month Share Certificate
1.85%$5k-24 Month Bump Share Certificate
1.85%$500-18 Month Share Certificate
1.75%$500-12 Month Share Certificate
1.50%$500-6 Month Share Certificate
1.25%$500-90 Day Share Certificate

Transcend Credit Union IRA Rates

2.50%$500-60 Month IRA Certificate
2.40%$500-48 Month IRA Certificate
2.25%$500-36 Month IRA Certificate
2.00%$500-24 Month IRA Certificate
1.85%$500-18 Month IRA Certificate
1.75%$500-12 Month IRA Certificate
1.50%$500-6 Month IRA Certificate
1.25%$500-90 Day IRA Certificate

Transcend Credit Union Locations
Branch Office4652 Dixie HwyShively, KY 40216
Branch Office4816 Outer LoopLouisville, KY 40219-3302
Branch Office3740 Bardstown RdLouisville, KY 40218-2209
Branch Office601 S Floyd St Ste 100Louisville, KY 40202
Branch Office2549 Regency Rd Ste 105Lexington, KY 40503
Branch Office12104 Shelbyville RdLouisville, KY 40243-1045

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