Cove Member Support

UK Credit Union has been proudly serving the University of Kentucky and Central Kentucky since 1937 and now has more than $1.80 billion in total assets and seven convenient branches in Lexington and Nicholasville. UK Credit Union is a full-service financial institution offering a wide range of products and services, including checking and savings accounts, mortgage, auto, and commercial loans, as well as investment services. For more information about how to join UK Credit Union, click here.

The combined organization will operate under the UK Credit Union leadership and name. To read more details about the merger, please see our news release.

No. The leadership under the combined organization has no plans to change or close any branches. Following the completion of the merger, the Cove FCU location will be updated with UK Credit Union physical signage. We are happy to announce the purchase of a new branch location in Florence to continue our branch network growth and member support in the NKY area. The location on 4790 Houston Road will be open in Summer of 2026.

Prior to the merger, no. If the merger is approved by NCUA, UK Credit Union will begin mapping Cove products to similar products at UK Credit Union that provide the member with similar, and potentially better, features. More information about your new account and the mapping will be available as we approach the final stages of the merger. 

No. Unless you have been contacted directly by mail, you will not need to change your account number or routing number. Cove FCUs routing number will remain in place until otherwise stated.

The Loan rates and payments will not be changing. Beginning June 1, 2026, your Loan statements will come from UK Credit Union. The simplest way to make a Loan payment is from an existing share account at UK Credit Union, and making the payment via Online Banking or the Mobile App. Alternatively, you can make a payment from an external (non-UK Credit Union) account, but you will have to pay a $10 processing fee. If you need to make a payment via Debit Card, there is a link on our website in the top header that says "Pay My Loan". 

Beginning June 1, 2026, covefcu.com will be automatically redirected to ukcreditunion.org. Any relevant information that is need during the conversion process will be transferred over to UK Credit Union's website. 

Prior to the completion of the merger, no. You will have access to all Cove FCU services and products until the merger is approved by the NCUA, and the conversion has been completed.  As we have approached the completion of the merger, UK Credit Union and Cove will be reaching out in joint communications to inform you of the next steps.

Cove FCU members will create new usernames and passwords during re-enrollment. The enrollment process will begin on 06.01.2026. If you already have a UK Credit Union membership, you may login as you normally would and see all of your accounts aggregated. 

If you already have a UK Credit Union membership, you will receive a duplicate error message that reads, "Username already exists." You will not need to set up an additional Online Banking Account to access your converted Cove Accounts as they will be merged into existing UK Credit Union Online Banking Accounts, if possible. 

Alerts - Unfortunately, any existing alerts created on the Cove FCU Online Banking platform will need to be created on UK Credit Union's Online Banking or Mobile App. To set up new alerts, Log into Online Banking or the Mobile App and navigate to: Menu > Profile & Settings > Alerts.

Bill Pay - Similar to the alerts, all previous payees set up in Bill Pay will need to be re-established in UK Credit Union's Online Banking or Mobile App. For complete details, please see the Electronic Funds Disclosure.

Transfers - Any recurring transfers (internal or external) will need to be reestablished within UK Credit Union's Online Banking or Mobile App. 

Yes, the majority of members will have the ability to continue using existing checks. However, there is a small number of CFCU members that will need to have their account numbers changed, and those checks will no longer function. Those members will be contacted directly. 

Beginning on Friday, May 29 at 6 PM, Cove members will lose access to Online and Mobile Banking until Monday, June 1 at 9 AM when they will be able to enroll in UK Credit Union’s Online and Mobile Banking. Cove members will be unable to access or view their accounts online between these times. Debit card transactions completed over the weekend of May 30-31 may not reflect in accounts until sometime later on the week of June 1st due to the system conversion.

Your direct deposit should continue to work as normal, but we recommend monitoring your deposits to ensure that they arrive successfully. If you notice anything unexpected, please contact us at 800-234-8528 or visit our Edgewood Branch.

You will not need to update your direct deposit information right away. However, members should plan to update their information within six months to ensure that future transactions are not impacted when the CFCU routing number is retired in 2027.

At this time, your Online and Mobile Banking transaction history reflects activity from June 1, 2026, forward. Transactions prior to June 1 are not currently visible.

Your previous account history has not been lost—Cove FCU statements will be available in the coming weeks so you can reference past activity as needed.

We appreciate your patience as we complete this transition and remain committed to delivering a smooth experience.