announcement Promotions for May

home Flexible Home Equity Line of Credit (HELOC)

Inching along with your home renovations? Draw on your home equity when you need it with a HELOC from UKFCU.

  • Rates as low as 3.00% APR*
  • No annual fees
  • Funds can be accessed by check, Mainline, Online Banking, or in person

Apply Now

*Annual Percentage Rate (APR) and subject to change. Membership qualifications apply. Home Equity Line of Credit rate as low as WSJ Prime minus one, with a floor of 3.00% APR and a maximum rate of 18.00% APR. Rate is variable. A credit score of 760 or higher is required to achieve advertised rate. If loan is paid in full in less than 3 years and line of credit is closed, member will be required to pay closing costs of approximately $150-$600 to UKFCU. Eligibility for both home equity loans and home equity lines of credit require that your home is owner-occupied and located in Kentucky. Consult your Tax advisor for possible tax benefits. Rate is based on credit history and subject to change. For Investment Real Estate, apply for a Business HELOC. Click here for Business Lending.

car Low-Rate Auto Loans

Once you’ve decided on the right car or truck, the next step is finding the right automobile loan. UKFCU makes the decision quick and easy with great low auto loan rates and options such as:

  • UKFCU auto loans sign and drive program - apply for your auto loan on the spot at the auto dealership, then simply drive away and enjoy your new car!
  • Refinance your auto loan - there's no cost to refinance, and it's as easy as 1-2-3, so refinance your auto loan and start saving today!​​
  • PLUS a 1% rebate when you refinance!*

Learn More

*All auto loans subject to credit approval and loan requirements. 1% Rebate applies to refinanced auto loans only. Existing UKFCU auto loans not eligible. 1% Rebate only applies to auto loan refinances. Minimum loan amount of $5,000 to qualify for promotion. Membership qualifications apply. 1% rebate of amount refinanced, up to $1,000.  Rebate will be deposited directly to member’s savings/share account and may be tax reportable. Additional conditions may apply. Call 800.234.8528 for details.

home Mortgage Loans

Big ambitions for your home? Whether you’re a first-time buyer or looking for your forever home, UKFCU has you covered with options such as:

  • Quick Pre-Qualifications*
  • Apply Online, In-Person, or by Telephone 
  • Loan options with No Monthly Mortgage Insurance
  • Home Plus Program Incentives

Contact us at 859.264.4200 or click below to learn more and apply today. 

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*First mortgage services for credit union members provided through their partner SWBC Mortgage Corporation, NMLS #9741, check licensing at AZ BK #0950067; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act #4130449; Georgia Residential Mortgage Licensee, License # 15058; Licensed by the N.J. Dept. of Banking and Insurance. Loans subject to credit and property approval, restrictions and conditions may apply. Not all loan programs or loan amounts available in all areas. Programs and guidelines subject to change without notice. Corporate office: 9311 San Pedro Ave., Ste. 100, San Antonio, TX 78216. © 2022 SWBC. All rights reserved. Membership eligibility required.

bank The Credit Union Difference

You're a member, not a customer. You own your credit union!

At UKFCU, we strive to provide low-fee or no-fee services while offering competitive rates on savings and low rates on loans.

Join Now

*Membership qualifications apply. See representative for details. Free checking includes personal, senior and student accounts. ATMs are available through UKFCU ATMs and the Allpoint, CO-OP and Alliance One Networks. Third-party rate and data charges may apply. See carrier for details.