Become a UKFCU Member Today!
Joining UKFCU means you’re not just an account holder – you’re a valued member.
UK Credit Union is Built for All Kentuckians
At UK Credit Union, when you open a checking account, you don't just become a customer, you become a valued member-owner.
You're not just an account number here.
Unlike mega banks that answer to shareholders and Wall Street, UK Credit Union answers to you.
As a member-owned Credit Union, our success is your success.
Every decision we make is designed to benefit our members, not a boardroom of investors.
We've been doing it that way since 1937. And with over 112,000 members both here in Kentucky and across the country, we're not going anywhere.
Open an Account
Member-owned, community focused,
built for you.
Click the button below to open an account today!
BlueVantage Checking Account
For only $7 a month, take advantage of our newest Checking Account—packed with all the benefits of Simple Checking, plus:
- Access to Telehealth
- Cell Phone Protection
- IDProtect®
- Roadside Assistance Service
- Travel & Leisure Discounts
- ATM Fee Rebates
- Earn Dividends
- Loan Discounts
- Debit Card Cash Back Rewards
Simple Checking
Your Simple Checking account includes all the features that allow you to manage your money, your way. On-the-go, online, or wherever you are in the world, you get the flexibility that fits your life today.
In addition to all the features listed above, Simple Checking accounts also offer:
- No Monthly Service Charge
- Overdraft Protection
- Courtesy Pay
- Debit Card Cash Back Rewards
Student Rewards Account
As the Official Credit Union of the University of Kentucky, we understand that students need a little extra support. That's why we created the Student Rewards Account, which includes all of the Checking Account Features above, plus some extra benefits to help you ace student life:
- Available for Students Aged 13-25**
- No Monthly Service Charge
- 5% Cashback on All Debit Purchases
- No Overdraft Fees
Senior Freedom Checking Account
As we age, a world of freedom unfolds before us...the freedom to explore, to relax, and to choose exactly how we want to live life to the fullest. Senior Freedom Checking Accounts features everything listed above, as well as:
- Available for Members Aged 54+
- No Monthly Service Charge
- Free First Box of Checks
- Debit Card Cash Back Rewards
Get Paid Up to Two Days* Early with Early Pay from UK Credit Union
Why wait for what’s yours?
With Early Pay from UK Credit Union, you can get access to your paycheck up to two days* early when you set up direct deposit to your UK Credit Union account. It’s a simple way to take control of your finances—no hoops, no hassle.
As part of our commitment to supporting your financial journey, we’re making it easier than ever to access your money when you need it.
No extra steps. No enrollment required. Just your funds, faster.
It's as Easy as 1-2-3!
That's right—more value with every swipe.
At UK Credit Union, we believe your money should work harder for you. Beginning January 1, 2026, eligible debit card holders can earn cash back rewards simply by using their card for everyday purchases.
No limits. No sign-ups.
Once you reach a minimum of 11 debit card swipes within a monthly statement cycle, you’ll earn $0.05 cash back per swipe**, automatically deposited into your checking account.
It’s our way of rewarding you for doing what you already do—banking with UK Credit Union.
Does your bank offer Early Pay?
Debit Card Cash Back Rewards?
Plus, over 90,000+ fee-free ATMs*** with no monthly maintenance fee?
UK Credit Union does and it comes standard.
Live your best financial life with UK Credit Union.
Products and services designed for your goals.
Become a UK Credit Union member today.
When you meet our qualifications, opening a membership is easy and you can join online.
*Must have UK Credit Union account with active direct deposit. Early Pay is subject to when we receive pay information from the Federal Reserve. Some exclusions may apply to non-traditional ACH account credits.
**Debit Card Cash Back Rewards available on all UK Credit Union accounts with an associated debit card, excluding Student Rewards Accounts. Members earn $0.05 cash back for each qualifying signature-based debit card transaction once a minimum of 11 transactions are completed within a calendar month, including joint account holder cards. PIN-based transactions, checks, cash withdrawals, and other non-signature transactions do not qualify. Cash back will be credited to the checking account by the fifth day of the following month or the next business day. Transactions that are returned or fully refunded within the same calendar month will reduce the payout by $0.05 per returned transaction; partial refunds or refunds processed in a later month will not reduce the payout. Please see a representative for additional details. Membership eligibility required. Federally insured by NCUA.
***Fee-Free ATMs are available through UK Credit Union ATMs and Allpoint, CO-OP and Alliance One Networks.
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