Become a UKFCU Member Today!
Joining UKFCU means you’re not just an account holder – you’re a valued member.
Car Loans
Shift into a higher gear with a UKFCU car loan. Apply today, drive tomorrow!*
Buy-Down Program
Get a lower auto loan rate — up to 1% lower — with UKFCU's Buy-Down Program. Choose up to four services with your loan and even more!
Chose from:
- Auto Pay from a UKFCU account1
- Direct Deposit with UKFCU2
- UKFCU Auto Loan Payoff Discount3
- UKFCU GAP Advantage Program4
- UKFCU Vehicle Warranty5
- UKFCU Credit Life/Disability6
- Banzai Plus Course7
- Cats Roll, You Roll8
All used vehicle loans (7 years old or newer) are eligible for rate Buy-Downs, except Boat/PWC/RV, Motorcycle, and ATV/UTV loans. The member may choose up to four buy-down options, each buy-down valued at 0.25% each, for a maximum buy-down amount of 1%. Multiple services of the same product will count as one buy-down (i.e., Credit Life and Credit Disability). Buy-downs are non-transferable. All buy-downs should be presented by the time of funding.
1 Must have automatic payments set up to pay from a UKFCU account.
2 Direct deposits must be a minimum of $200 per month, must be established via ACH with deposit history in the account *OR* the member must provide documentation from their employer that it has been set up. Direct deposit buy-down qualifying transactions include ACH Payroll from Employer; UK Payroll deduction; Retirement Benefits; Stock Dividends; Structured settlement; and Government benefits including SSA, Disability, and Child Support.
3 Trading and paying off existing UKFCU auto (excluding internal refinance).
4 Purchase a GAP or Depreciation Protection plan offered by UKFCU.
5 Purchase Extended Service Agreement (MBP/VSA).
6 Purchase UKFCU Credit Life and Disability insurance.
7 Take a Banzai Plus! Budget Course (only available to existing members); each member can only complete the course one time.
8 Offer valid for two weeks following the most recent win by the UK Men’s Basketball or UK Women’s Basketball Teams during the 2024/2025 season.
Auto Loan Refinancing
If you have a higher-rate auto, motorcycle or boat loan from another financial institution, refinancing with UKFCU can save you money.
Auto loan refinancing benefits include:
- Lower monthly loan payments
- Pay less interest over time
- No cost to refinance
There's no cost to refinance PLUS a 2% cash rebate! It's as easy as 1-2-3, so refinance your vehicle loan and start saving today!
Refinance subject to credit approval and loan requirements. Existing UKFCU loans not eligible. 2% Rebate only applies to auto, motorcycle, boat and powersport vehicle loan refinances. Minimum loan amount of $5,000 to qualify for promotion. Savings account with $25 minimum balance required with membership. 2% rebate of amount financed, up to $1,000. Rebate will be deposited directly into member's savings/share account and may be tax reportable.
Vehicle Service Agreement Warranty
Protect your UKFCU auto loan with a customizable vehicle service agreement warranty. Enjoy peace of mind knowing your unexpected repair costs are covered.
Warranty benefits include:
- 24-hour roadside assistance
- Emergency tire repair
- Major component coverage
- Rental car reimbursement
- Transferrable policy for added resale value
You can also transfer your vehicle warranty policy for added resale value.
GAP Advantage Vehicle Coverage
This coverage covers the difference between your car's cash value and your loan balance in case of theft or total loss.
GAP Advantage benefits include:
- Payment on the outstanding balance on your auto loan in case of theft or total loss
- Protects you if you have a longer-term loan and the value of your car is less than what you owe on it
- Gives you peace of mind knowing you're protected against a major loss
Sign and Drive Program
Drive your dream car today. Get pre-approved for a UKFCU auto loan and shop at participating dealerships.
Sign and Drive benefits include:
- Save time at the dealership
- No credit surprises when you're ready to buy
- Know exactly how much you can afford
- Buy when you're ready
Auto Loan Calculators
Got questions about how much car you can afford, buying new vs. used or what your monthly payment will be? Our calculators can help.
Calculate:
- How much car can I afford?
- How much will my monthly payment be?
- Which is better: New or Used?
Live your best financial life with UKFCU.
Products and services designed to keep you on the right path.
* Loan approval is subject to credit review and membership eligibility. Factors such as credit history, income and other financial information will be considered. UKFCU membership is a requirement for loan approval.
Your financial wellbeing is our top priority.
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- Testimonial Giver
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I’ve been with UKFCU 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, UKFCU!!!
Angelica R. -
I love banking with the UKFCU! 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.
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