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Become a Member

Joining UKFCU means you’re not just an account holder – you’re a valued member.

The Official Credit Union of YOU!

Founded in 1937 by a group of professors in the University of Kentucky, our Credit Union's roots are deeply tied to UK. We’re even the Official Credit Union of the University of Kentucky, offering a full suite of financial services to UK employees and students.

But we’re more than just the Official Credit Union of the University of Kentucky. We’re also the Official Credit Union of YOU, and we offer numerous paths to membership whether you’re affiliated with UK or not!

In addition to being easy to join, UKFCU can also offer you all the financial services that you expect from a big bank. Not only this, but being a not-for-profit organization allows us to offer higher deposit rates, lower loan rates, lower fees, and a more personalized experience. We’re all about people and not profits, which makes a world of difference when it comes to your financial well-being.

We might have University of Kentucky in our name, but we care just as much about you. Join online today or visit one of our seven local branches and let us become the Official Credit Union of YOU.

See How You Can Join UKFCU!

Membership - University of Kentucky

Employee or Retiree of the University of Kentucky

University of Kentucky Federal Credit Union - we have University of Kentucky right there in our name! If you're a current or retired employee of UK, click below to become a member of our not-for-profit financial cooperative!

Membership - Employee/Retiree

Employee or Retiree of Over 100 Preferred Partners

Current and retired employees of over 100 organizations across Central Kentucky are eligible to join UKFCU! Click below to reward your employer's sound financial decision to partner with the Official Credit Union of YOU!

Membership - Student/Alum

Student or Alum of UK, EKU, BCTC, KCTCS and More

As you might expect, current and former students of the University of Kentucky are eligible to become members of UKFCU. But membership is also available to students and alumni of Eastern Kentucky University, Bluegrass Community & Technical College, Kentcuky Community & Technical College System and more!

Membership - Relative

Relative of a Current Member

If your spouse, sibling, parent (including step-parent), child (including step-child), grandchild, uncle or aunt is already a member, you too are eligible to join UK Federal Credit Union!

Membership - ACC

Member of the American Consumer Council

UKFCU also extends membership eligibility to members of the American Consumer Council, a non-profit organization that provides consumer education, advocacy and financial literacy to its members.

Membership - Geographic Area

Live, Work, Study or Worship in Our Defined Geographic Area

If you live, work, study or worship in the UKFCU Membership Area, you can also become a member! Check out the highlighted area on the map below to see if you're eligible!


Experience the benefits of UKFCU member-ownership today.

Mindful Money

Check out our content library to stay educated and informed about money topics important to you.

Not a Member Yet?

Applying is fast and easy!

You will need the following information in order to complete the application:

  • Government issued ID/Drivers License/State ID or Passport with current address
  • Your complete physical and mailing address
  • Social Security Number
  • Date of Birth
Get Started