Become a UKFCU Member Today!
Joining UKFCU means you’re not just an account holder – you’re a valued member.
Now in Ashland!
We might have UK in our name, but your alma mater doesn't matter. We're all in for all Kentuckians and we have so many ways for people in Northern Kentucky to join!
From the hollers to the horse farms, UK Credit Union is For All Y’all.
We might have UK in our name. We might have been established by UK professors way back in 1937. But you don’t have to be part of UK to join—just part of our community. Whether you live, work, study, worship, or put down roots anywhere we call home, you’re welcome here. Membership takes less than three minutes, and comes with great rates, real benefits, and a whole lot of Bluegrass pride. Discover the many ways you can join our trusted financial cooperative and begin enjoying membership that’s as rewarding as it is accessible. Because in Kentucky, we look out for our own—and that means all y’all!
Our new Ashland branch is located at:
2321 Carter Ave
Ashland, KY 41101
See How Y'all Can Join!
1. Select Your Eligibility
2. Choose Your Account
3. Join in as Little as 3 Minutes!
Open an Account or Apply Online
Earn up to 4.00% APY¹ with our High Yield Savings Account!
In addition to offering a savings rate over 13 times higher than the national average², 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!
Auto Rates as Low as 3.99% APR³
We're here to help you hit the road with a better rate and more peace of mind.
Mindful Money Center
Financial fitness starts here. Plan for will you'll be tomorrow with the money you have today.
Member Benefits
UK Credit Union membership isn't just about banking; it's about getting the most out of your money. Enjoy special offers and discounts when you join.
Making an Impact in the Community
UK Credit Union is all about people over profits, and helping to make our community a better place. See how we give back through both volunteerism and donations.
Your financial wellbeing is our top priority.
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I’ve been with UK Credit Union for twenty years! They always took care of all of my, and my family’s financial needs, with courtesy and professionalism. I would not change my bank for anything, we are like family!!! Thank you, UK Credit Union!!!
Angelica R. -
I love banking with the UK Credit Union! Employees are always friendly and have the information I need quickly. Stopped in last weekend for a certified check and I appreciated the care that went into the transaction. Can't say enough nice things about my banking experiences with them!
Leslie W. -
I had a great experience! I worked with Kobe Henderson. He was beyond friendly and easy to work with! I have accounts with 3 other banks and wanted to restructure some loans. UK Federal Credit Union beat the terms and interest rates by 2 full points than my other banks. This allowed me to free up some cash flow to pay down on the principle balance. I couldn’t be happier!!!
Ben C.
¹Annual Percentage Yield. Rates are current as of 1.2.25. Membership eligibility required. $1,000 minimum balance required to open High Yield Savings Account (HYSA). HYSAs are tiered-rate accounts. The balance ranges for the tiers are: Tier 1 - $0 to $25,000 (4.00% APY); Tier 2 - $25,000.01 to $50,000 (0.50% APY); Tier 3 - $50,000.01 to $100,000 (0.75% APY); Tier 4 - $100,000.01 to $250,000 (1.00% APY) and; Tier 5 - $250,000.01+ (1.50% APY). HYSAs are blended-rate accounts, with only the amounts falling within each tier being eligible for applicable APY. Resulting APY ranges for each tier are: Tier 1 - 4.00%; Tier 2: 2.25% to 3.99%; Tier 3: 1.50% to 2.24%; Tier 4 - 1.20% to 1.49% and; Tier 5: Up to 1.49%. Fees may reduce earnings. Rates may change after an account has been opened. Limit of one HYSA per primary member's Social Security Number. Please see a representative for additional details, other restrictions may apply. Federally insured by NCUA. ²NATIONAL AVERAGE: National Average APY is based on the “Savings/National Deposit Rates" line item on the “National Rates and Rate Caps” list provided by the Federal Deposit Insurance Corporation (FDIC) as of 12/16/24. FDIC data is obtained from public sources; accuracy and completeness is not guaranteed. FDIC is not liable for reliance on the data. ³Annual Percentage Rate. Terms and conditions may apply. Rates available are subject to credit approval and subject to change without notice. Rates shown include the 1% Buy-Down Program discount and no additional discount is available beyond these rates. Terms and conditions may apply. Rates are effective as of 9/1/26.
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