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University Of Kentucky Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.00%1-year CD1 Year CD Dividend Paid At Maturity
1.60%3-year CD3 Year CD Dividend Paid Annually
1.40%2-year CD2 Year CD Dividend Paid Annually

Overview / Commentary
859-264-4200
2557 Sir Barton Way
Lexington, KY 40509

University Of Kentucky Federal Credit Union is headquartered in Lexington and is the 5th largest credit union in the state of Kentucky. It is also the 390th largest credit union in the nation. It was established in 1937 and as of March of 2017, it had grown to 150 employees and 67,935 members at 5 locations. University Of Kentucky Federal Credit Union's money market rates are 25% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in University Of Kentucky Federal Credit Union is open to students and faculty of the University of Kentucky, members of select alumni associations, and other select groups. Membership is also extended to individuals who live, work, worship, or attend school in portions of the greater Lexington area.
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Reviews (5)

University of Kentucky Federal Credit Union

Posted by: UderricKY | Jun 14, 2015

I have banked with the University of Kentucky Federal Credit Union since 2001. They have been helpful when I was struggling financially and have been even more helpful when I had the propensity to keep more money in the account that I currently have registered with them. All locations are friendly, willing to help and they go above and beyond your average bank. They were also very helpful and diligent in helping a potential write off that existed on my account as a 19 year old college student and quickly updated my credit report accurately. I could not ask for a better bank than UKFCU.

Quality Service

My experiences with University of Kentucky Federal Credit Union were very good throughout my times as a student at UK. I was able to have a no minimum balance student checking account which was extremely useful. As a student I often had under twenty dollars in my bank account. Many banks require a minimum balance but I could have any balance as long as it wasnt overdrawn without being assessed fees. I even overdrew a few times and was granted a grace period to get my balance up above 0 and STILL was not charged a fee. The customer service was great and I had nothing but positive experiences with the tellers and they were all very friendly and helpful. I would recommend this bank to anybody looking to bank with a credible, local bank.

UK Credit Union

Posted by: hfkinney | Mar 6, 2011

I have been very pleased with my banking experience here. I always have a positive experience when dealing with employees. They have good rates and managing my checking and savings account are very easy. They also have a really helpful online site where I can manage my accounts with ease. There is a restriction on how many online transfers you can do per month though, so as long as that is kept in mind, it is a very useful tool. The only thing that would improve this bank would be more locations so it would be easier to access when you did need to go to the bank and it wouldn't be so out of the way. 

Okay, but doesn't offer much the regular banks don't already have

I used to bank with the University of Kentucky Federal Credit Union when I was a student there. It was convenient since I was on campus so much. As far as banking goes, the place was pretty normal. No real surprises and they didn't screw anything up. My main complaint is that they would seem to hire inexperienced tellers. I'm not sure if they were college students or what, but the lines moved glacially slow because of them. They also hit me with a bunch of overdraft fees once, causing me to abandon that account. It's been a while, but I don't really feel like it was entirely my fault. It may have been due to them holding a deposit, but I'm not sure. Either way it left a bad taste in my mouth and I won't be a customer of their's again.

UKFCU Car Loans

Posted by: EdgeRage | Sep 7, 2016

I've had (2) auto loans, (1) for 2 yrs and (1) for a little over a year. I've never had a gap in insurance coverage, but they somehow still apply force coverage on each loan every 6-8 months. This is a nightmare; they use an outside vendor, and it's a month or longer process having it removed each time. My 2014 vehicle increases from $12,000-$13,000, and the 2015 between $9,000-$10,000 each time. It's a process that has very little, if any oversight by UKFCU.



Health

Health Grade Components

Overall
NCUA #24165
Year Chartered1937
Employees150
Primary Regulator
Profit Margin
Return on Assets - YTD1.68%
Return on Equity - YTD15.21%
Annual Interest Income$7.8MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$720.7MM$625.7MM
LoansQ1 2017vs Q1 2016$555.4MM$493.6MM
DepositsQ1 2017vs Q1 2016$632.5MM$544.3MM
Equity CapitalQ1 2017vs Q1 2016$78.2MM$69.9MM
Loan Loss AllowanceQ1 2017vs Q1 2016$7.9MM$8.0MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$3.9MM$3.0MM
Real Estate OwnedQ1 2017vs Q1 2016$23.00K$45.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

University Of Kentucky Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$100-Senior Share
0.15%--IRA Account
0.10%$100-Prime Share
0.10%--Club Accounts

University Of Kentucky Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.55%*$50k*-Money Market Account
OTHER TIERS: 0.25% $1k - $10k | 0.35% $10k - $25k | 0.45% $25k - $50k

University Of Kentucky Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.15%$100k-5 Year Jumbo CD Dividend Paid Annually
2.13%$100k-5 Year Jumbo CD Dividend Paid Monthly
2.10%$1k-5 Year CD Dividend Paid Annually
2.08%$1k-5 Year CD Dividend Paid Monthly
2.05%$100k-4 Year Jumbo CD Dividend Paid Annually
2.03%$100k-4 Year Jumbo CD Dividend Paid Monthly
2.00%$1k-4 Year CD Dividend Paid Annually
1.98%$1k-4 Year CD Dividend Paid Monthly
1.65%$100k-3 Year Jumbo CD Dividend Paid Annually
1.64%$100k-3 Year Jumbo CD Dividend Paid Monthly
1.60%$1k-3 Year CD Dividend Paid Annually
1.59%$1k-3 Year CD Dividend Paid Monthly
1.45%$100k-2 Year Jumbo CD Dividend Paid Annually
1.44%$100k-2 Year Jumbo CD Dividend Paid Monthly
1.40%$1k-2 Year CD Dividend Paid Annually
1.39%$1k-2 Year CD Dividend Paid Monthly
1.30%$1k-2 Year Step Rate CD Dividend Paid Annually
1.29%$1k-2 Year Step Rate CD Dividend Paid Monthly
1.15%$100k-18 Month Jumbo CD Dividend Paid At Maturity
1.14%$100k-18 Month Jumbo CD Dividend Paid Monthly
1.10%$1k-18 Month CD Dividend Paid At Maturity
1.09%$1k-18 Month CD Dividend Paid Monthly
1.05%$100k-1 Year Jumbo CD Dividend Paid At Maturity
1.05%$100k-1 Year Jumbo CD Dividend Paid Monthly
1.00%$1k-1 Year CD Dividend Paid At Maturity
1.00%$1k-1 Year CD Dividend Paid Monthly
0.50%$1k-6 Month CD Dividend Paid At Maturity
0.25%$1k-3 Month CD Dividend Paid At Maturity

University Of Kentucky Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.10%$1k-5 Year IRA
2.00%$1k-4 Year IRA
1.60%$1k-3 Year IRA
1.40%$1k-2 Year IRA
1.10%$1k-18 Month IRA
1.00%$1k-1 Year IRA
Locations


University Of Kentucky Federal Credit Union Locations
Branch Office1080 Export StLexington, KY 40504-2760
Branch Office370 Meijer WayLexington, KY 40503
Branch Office2557 Sir Barton WayLexington, KY 40509
Branch Office940 Midnight PassLexington, KY 40513
Branch Office106 Avenue of Champions, Student Center Room 245Lexington, KY 40506