Become a UKFCU Member Today!
Joining UKFCU means you’re not just an account holder – you’re a valued member.
Your Financial Future Starts Here
UK Credit Union is here to help members learn, save and make smart financial decisions that can last a lifetime.
We're Here for You at Every Stage of Life.
Money can feel complicated, especially when you’re figuring it out for the first time. You don’t have to navigate it alone.
UK Credit Union is here to help make money feel a little more approachable, with resources, guidance and products designed to support you at every step.
Whether you’re learning the basics, working toward a savings goal, figuring out a budget or planning for what comes next, we’re here to help you build confidence and make financial decisions for every stage of life.
Ready to build your financial future?
Click the button below to open an account today!
Simple Checking
$0 /mo NO MONTHLY FEE
✓ Get paid up to 2 days early¹ ✓ $0.05 cash back every debit swipe² ✓ 90,000+ free ATMs nationwide³ ✓ No minimum balance required ✓ 24/7 Access to mobile & online banking
BlueVantage Checking
$7 /mo MOST POPULAR
✓ Access to Telehealth⁴ ✓ Cell Phone Protection⁵ ✓ Roadside Assistance Service⁵ ✓ ATM Fee Rebates⁶ ✓ Travel & Leisure Discounts
Student Rewards
$0 /mo PERFECT FOR STUDENTS
✓ Available for students ages 13-25 ✓ No monthly service charge ✓ 5% cashback on all debit purchases⁷ ✓ No overdraft fees ✓ 24/7 Access to mobile & online banking
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.
No Monthly Service Charge.
That’s right—no monthly maintenance fees here, just more of the good stuff showing up in your account.
It's as Easy as 1-2-3!
Earn up to 4.00% APY* with our High Yield Savings Account!
In addition to offering a savings rate over 13 times higher than the national average⁴, our High Yield Savings Account offers various other benefits, including:
- No Minimum Balance
- No Monthly Service Charge
- No Restrictions on Withdrawals or Deposits
- Mobile Banking
- Online Banking
- Overdraft Protection on Your Checking Account
- e-Statements
Get started today with a minimum opening deposit of $1,000 and make your savings work FOUR you!
Click below to open your High Yield Savings Account or visit one of our eight branches!
Plus, You'll Save 13 Times More!
Our High Yield Savings Account rate is almost 13 times higher than the national average⁴.
UK Credit Union Mobile App
Online banking doesn’t have to be done from your desktop. When you download the UK Credit Union Mobile Banking app on your smartphone, enjoy all the conveniences of online banking on the go.
Mobile Banking features:
- Pay bills from anywhere, any time of day
- View your credit card transactions
- Locate free ATMs wherever you are
- Deposit checks with Mobile Deposit
...and so much more!
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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