Eastern Kentucky Credit Union Prestonsburg KY | Affordable Vehicle Loans & Quick Personal Loans

Introduction

Welcome to Eastern Kentucky Federal Credit Union, where we believe in empowering our community through reliable financial services. Located at 550 N Lake Dr, Prestonsburg, KY 41653, our credit union has been a trusted partner for families and businesses since 1969. With a total membership of 783 and assets amounting to $5,545,957, we are dedicated to providing personalized banking solutions tailored to meet your needs. At Eastern Kentucky, we pride ourselves on our commitment to our members. We offer a range of services including checking and savings accounts, auto loans, mortgage loans, personal loans, and business banking options. Our experienced team of 4 employees, led by CEO Felicia Woody and Board President Jennifer Osborne, is here to assist you every step of the way. While members can visit us at our branch location, official correspondence should be sent to the same address: 550 N Lake Dr, Prestonsburg, KY 41653. We understand that managing your finances is essential, which is why we provide online and mobile banking services for your convenience. With total deposits reaching $844,946 and a net worth of $356,610, you can trust that your money is in safe hands. Whether you're looking to secure a loan with one of our 354 total loans or simply want to explore your savings options with us, we're here to help. Ready to take the next step? Give us a call at 606-263-4956 or visit our website at Eastern Kentucky Federal Credit Union for more information. Join us in making financial dreams come true!

Branch History & Mission

The story of Eastern Kentucky Federal Credit Union is deeply rooted in the community it serves. Founded in 1969, this credit union has grown alongside its members, embodying a spirit of cooperation and mutual support. Located at 550 N Lake Dr, Prestonsburg, KY 41653, our branch is not just a financial institution; it's a pillar of strength for over 783 members who call it their own. From humble beginnings to becoming a trusted financial partner, Eastern Kentucky has experienced significant milestones that reflect its commitment to serving the local community. With total assets reaching an impressive $5,545,957, we have consistently prioritized the financial well-being of our members. Our growth has been fueled by a mission to provide accessible and affordable banking services while fostering economic development in Floyd County and beyond. At the heart of our mission lies the dedication to offer personalized financial services that meet the diverse needs of our members. Whether it's personal banking options like checking and savings accounts or providing loans for vehicles and mortgages, Eastern Kentucky strives to empower individuals with the tools they need to achieve their financial goals. We believe that everyone deserves access to quality financial services that can help them thrive. While members can visit us at our branch location on Lake Drive, official correspondence should be sent to the same address: 550 N Lake Dr, Prestonsburg, KY 41653. Our branch operates from 7:30 AM to 4:00 PM Monday through Friday, ensuring we are here when you need us most. Our commitment extends beyond banking; we are dedicated to community outreach and support initiatives that enrich the lives of those around us. Through partnerships with local organizations and active participation in community events, Eastern Kentucky aims to create a positive impact that resonates far beyond our walls. In today's fast-paced world, we have embraced technology to enhance your banking experience. With online and mobile banking options available, managing your finances has never been easier or more convenient. We also ensure ADA compliance so that all members can access our services comfortably. Join us at Eastern Kentucky Federal Credit Union and become part of a legacy built on trust and community spirit. Experience firsthand how we prioritize your needs while contributing to a brighter future for everyone in Prestonsburg and surrounding areas. Together, let's continue building a thriving community where everyone can succeed!

Branch Location & Accessibility

Accessibility Features

At Eastern Kentucky Federal Credit Union, we prioritize accessibility for all members. Our branch features ADA-compliant entrances and ample parking space to make your visit as smooth as possible. Whether you're coming in for personal banking or business services, we strive to provide a comfortable experience for everyone.

Connect With Us

If you're ready to experience personalized banking tailored just for you, feel free to stop by or give us a call at 606-263-4956. At Eastern Kentucky Federal Credit Union, we're excited to welcome new members into our community-focused family!

Operating Hours and Services

We're here for you Monday through Friday from 7:30 AM to 4:00 PM, ready to assist with a variety of financial services. Whether you're looking to open a checking or savings account, secure an auto loan or mortgage, or explore personal loans and credit cards with rewards, our dedicated team is prepared to help you every step of the way. Please note that while we currently do not have ATM services or drive-thru banking available at this branch, our friendly staff is always on hand to answer questions and guide you through your transactions.

Member Eligibility

Joining the Eastern Kentucky family is more than just opening an account; it's about becoming part of a supportive community that truly cares for its members. To be eligible for membership at Eastern Kentucky, you simply need to meet certain criteria. This includes living, working, worshiping, or attending school in the service area of Floyd County and surrounding regions. Don't worry if you're unsure whether you qualify; we encourage you to check out the detailed eligibility requirements at this link. Once you're ready to join us, the process is straightforward and welcoming. You'll find that becoming a member opens doors to a range of financial services tailored just for you. From personalized checking and savings accounts to competitive auto loans and mortgages, we're here to help you succeed financially. If you have any questions or want to start your membership journey, feel free to give us a call at (606) 263-4956 or visit us at our branch located at 550 N Lake Dr Prestonsburg Ky 41653. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Commercial Loans That Propel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services Tailored for Your Business

Imagine having the tools to accept payments seamlessly from customers, whether online or in-person. Our merchant services simplify payment processing, making it easier for you to focus on what you do best running your business. From point-of-sale systems to e-commerce solutions, we provide everything you need to enhance customer experiences. Located at 550 N Lake Dr Prestonsburg Ky 41653, Prestonsburg, KY 41653, we invite local businesses to visit us or call (606) 263-4956. Let's work together to turn your business vision into reality!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our Auto Loans & Vehicle Financing options make buying a vehicle simple and affordable. With competitive rates and flexible terms, we help you drive away with confidence. Picture yourself behind the wheel of that dream car without breaking the bank.

Business Banking Services

If you're a business owner, our Business Banking services including Merchant Services & Business Loans are designed to help your venture thrive. We understand the unique challenges businesses face and offer tailored solutions to support growth and success.

Convenient Access Anytime

At Eastern Kentucky, convenience is key. Our Online & Mobile Banking allows you 24/7 access to manage your finances wherever life takes you. Plus, though we currently do not have ATM facilities or drive-thru service, our team is always ready to assist you over the phone at (606) 263-4956 during our operating hours from 7:30 AM to 4:00 PM, Monday through Friday. In summary, whether you're looking for personal banking solutions or business support, Eastern Kentucky has something for everyone. We invite you to explore all the services we offer and see how we can assist in achieving your financial goals. Ready to take the next step? Visit us at 550 N Lake Dr Prestonsburg Ky 41653 in Prestonsburg, KY, or check us out online at Eastern Kentucky Federal Credit Union today!

Credit Cards with Rewards

Enjoy shopping? Our Credit Cards come with rewards that let you earn while spending on everyday purchases. Imagine collecting points towards future travel or cash back just by using your card for groceries or fuel.

Mortgage Loans & Refinancing

For those ready to settle into their forever home, we offer Mortgage Loans & Refinancing solutions that fit various budgets and financial situations. Whether you're a first-time homebuyer or looking to refinance an existing mortgage for better rates, our experienced team is here to guide you every step of the way.

Personal Banking Solutions

Whether you're just starting out or looking to enhance your financial portfolio, our personal banking services are designed for you. We offer Checking & Savings Accounts that cater to various lifestyles, ensuring you have easy access to your money when you need it most. Imagine being able to track your spending effortlessly through our Online & Mobile Banking features. With a few taps on your phone, you can check balances, transfer funds, and pay bills all from the comfort of your home.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses at you, but our Personal Loans & Debt Consolidation services provide a safety net when needed. Whether it's for medical bills or consolidating debt into one manageable payment, we work with you to create a plan that fits your situation.

Digital & Online Banking

Key Features

Stay organized with e-statements, which provide a paperless way to keep track of your transactions. If you're looking for quick payments, our mobile payments feature allows you to make purchases directly from your smartphone. Plus, with our user-friendly mobile application, available for download, all these features are literally at your fingertips. Need to send money to a friend? Our person-to-person transfers make it easy to send cash instantly without the hassle of checks or cash. Although we do not currently offer electronic signature authorization, rest assured that your transactions are secure and protected. At Eastern Kentucky, we prioritize accessibility and ease of use. Whether you're checking your balance or transferring funds, our online banking tools put you in control of your finances whenever you need them. Embrace the future of banking with us your financial peace of mind is just a click away!

Financial Strength

A Solid Foundation

With a net worth of $356,610, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $643 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Commitment to Service

Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 4 full-time employees and 0 part-time employees who are ready to serve you with a knowledgeable, committed team.

Growing Together

Total Share and Deposit Accounts stand at 1,344, showing a strong and growing member base that trusts us with their finances. This collective trust enhances our ability to serve you better every day. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Eastern Kentucky is your trusted partner. Visit us at 550 N Lake Dr Prestonsburg Ky 41653 or call (606) 263-4956 to learn more about how we can help you achieve your financial goals.

Investments in Your Future

With $356,610 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors with $69 in used auto loans and $4,049,456 in total loans and leases.

Member Savings Matter

Members' savings are secured through $1,999,800 in share certificates and $24,700 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Loan Offering

Additional Financial Solutions

If you're considering refinancing any of your existing loans, we provide options that could lower your monthly payments or help you pay off debt more quickly. Plus, if you're interested in eligibility options for our products, please visit our membership page at http://www.ekyfcu.com/about-us/membership . For business owners, while we currently do not have outstanding commercial loans available, we are always looking to expand our offerings in the future. At Eastern Kentucky, we're dedicated to making banking easier for you. Feel free to reach out to us at (606) 263-4956 for more information or stop by our branch located at 550 N Lake Dr Prestonsburg Ky 41653 in Prestonsburg, KY. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Whether you're looking for personal banking solutions or just want to learn more about what we offer, we're here to help!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $1,126,260 in used vehicle loans and $933,736 in new vehicle loans already helping members get on the road. We make the process straightforward and efficient, allowing you to focus on what matters most driving your new vehicle.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $0, make buying or refinancing simple. We guide you through every step of the mortgage process, ensuring that you have the support and resources needed for such an important investment.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. Our credit cards come with various features designed to suit your lifestyle and spending habits.

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EASTERN KENTUCKY FEDERAL CREDIT UNION - Prestonsburg, KY

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