Greater Kentucky Credit Union Lexington KY | Best Auto Loans & Checking

Introduction

Welcome to Greater Kentucky Cu, Inc., your trusted financial partner located at 1001 Red Mile Rd, Lexington, KY 40504. Established in 1953, we have proudly served our community for decades, growing to support over 9,100 members with a commitment to providing exceptional financial services. With total assets exceeding $90 million and total deposits of $10,579,664, we are dedicated to ensuring the financial well-being of our members. Led by our CEO, Michael Little, and Board President, Kenneth Hadley, our team of 23 employees is here to help you navigate your financial journey. We take pride in offering a wide range of services including personal banking, auto loans, mortgages, and business banking solutions tailored to meet your needs. Whether you're looking for a new car loan or want to open a savings account, you can count on us for personalized service that makes you feel valued. Our assets reflect our dedication to sound financial practices; currently, we maintain a net worth of $10,165,918 and cash reserves of $936,463 ready to support your goals. While members can visit us at our branch location for assistance during lobby hours from 9 AM to 4 PM on weekdays and 9 AM to 1 PM on Saturdays at the drive-thru, official correspondence should be sent to the same address. At Greater Kentucky Cu, Inc., we believe in building strong relationships within our community. We invite you to explore all that we offer at gtkycu.com or call us at 859-231-9300 to learn more about how we can assist you today!

Branch History & Mission

Welcome to Greater Kentucky Cu, Inc., a proud member of the Lexington community since 1953. Our branch, located at 1001 Red Mile Rd, Lexington, KY 40504, has been dedicated to serving our members with integrity and commitment for over six decades. With a total membership of 9,101 and assets exceeding $90 million, we have grown alongside our community, adapting to the needs of our members while maintaining our core values. From humble beginnings, Greater Kentucky Cu has evolved significantly. We started as a small credit union focused on providing essential financial services to our local members. Over the years, we expanded our offerings to include personal banking services like checking and savings accounts, auto loans, mortgage loans, and even business banking solutions. Our mission is simple yet powerful: to empower individuals and families in achieving their financial goals while fostering a sense of community. At Greater Kentucky Cu, we believe that banking should be accessible to everyone. That's why we offer a variety of digital advancements including online banking, mobile payments, and e-statements. Our commitment to ADA compliance ensures that all members can access our services without barriers. Whether you're visiting us in person or using our online services from the comfort of your home, we strive to make your experience seamless and enjoyable. Our mission extends beyond just providing financial services; we are deeply invested in community outreach efforts. Through partnerships with local organizations and initiatives aimed at supporting those in need, we work tirelessly to uplift and enrich the lives of our neighbors in Lexington. While you can visit us at our branch address for all your banking needs, please send official correspondence to 1001 RED MILE ROAD, LEXINGTON, KY 40504 if different from our physical location. We are open Monday through Friday from 9 AM to 4 PM and offer drive-thru services on Saturdays from 9 AM to 1 PM for your convenience. If you're looking for a credit union that truly cares about its members and community, join us at Greater Kentucky Cu today! Experience the benefits of being part of a credit union that prioritizes your financial well-being while making a positive impact in Lexington. Feel free to reach out at 859-231-9300 or visit us online at gtkycu.com for more information on how you can become a member!

Branch Location & Accessibility

Convenient Access and Surroundings

Our location is strategically situated near notable landmarks, making it simple for you to find us. Just a short drive from local shopping centers and parks, it's easy to combine your banking needs with other errands. We have ample parking available for your convenience, ensuring that your visit is as smooth as possible. Accessibility is important to us; our branch is ADA compliant and features ramps for those who may need them. This way, everyone can feel welcome and comfortable during their visit.

Get in Touch

We invite you to visit us at our Lexington branch or give us a call at 859-231-9300 if you have any questions or need assistance. Our friendly staff looks forward to serving you! Remember, while you can come see us at 1001 Red Mile Rd, official correspondence should be sent to the same address: 1001 RED MILE ROAD, LEXINGTON, KY 40504. We can't wait to help you achieve your financial goals!

Operating Hours and Services

We are open Monday through Friday from 9 AM to 4 PM, and on Saturday, our drive-thru service operates from 9 AM to 1 PM. This flexibility allows you to choose a time that best fits your schedule. If you prefer banking on-the-go, our ATM is always available for cash withdrawals and balance checks. At Greater Kentucky Cu, Inc., we pride ourselves on offering a wide range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we are committed to supporting your financial journey.

Member Eligibility

At Greater Kentucky Cu, Inc., we believe in fostering a welcoming community where everyone can thrive. If you're looking to become a member, you'll be pleased to know that eligibility is open to individuals who live, work, or worship in our local area, as well as their family members. This means that joining us at our convenient location at 1001 Red Mile Rd Lexington Ky 40504 is not just about banking; it's about being part of something bigger. By becoming a member, you gain access to a range of financial products and services designed with your needs in mind, from checking and savings accounts to loans and credit cards. The process of opening an account is straightforward and inclusive. You can start your journey by visiting our website for detailed eligibility criteria at http://www.gtkycu.com/membership . And when you're ready to take the next step, simply follow the instructions on our account opening page at http://www.gtkycu.com/customer-enroll . If you have any questions or need assistance along the way, feel free to reach out to us at (859) 231-9300. We're here to help you every step of the way!

Business Banking & Commercial Services

Commercial Loans That Fuel Growth

Imagine securing the funds you need to purchase new equipment or expand your storefront. 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 Made Easy

Running a business means managing daily transactions smoothly. Our merchant services simplify payment processing, allowing you to focus on what matters most growing your business. From accepting credit cards to online payments, we provide tools that enhance customer satisfaction and streamline operations. Located at 1001 Red Mile Rd Lexington Ky 40504 in Lexington, KY, we're here to partner with you every step of the way. For more information about how we can help your business thrive, give us a call at (859) 231-9300 or visit us online at https://gtkycu.com/ .

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash quickly? Our ATM and cash withdrawal services ensure you have access to your money when you need it most. With locations equipped with drive-thru service and basic ATM access for withdrawals and balance checks, getting cash has never been easier. At Greater Kentucky Cu, Inc., we believe in empowering our members with the tools they need for financial success. Explore all our services at Main Office, where we're committed to making banking simple and accessible for everyone in Lexington and beyond. Ready to take the next step? Visit us today or give us a call at (859) 231-9300!

Auto Loans & Vehicle Financing

Thinking about getting a new car? Our auto loans and vehicle financing options provide competitive rates and flexible terms to fit your budget. Imagine driving off the lot in your new ride without breaking the bank. We make it easy with streamlined applications and fast approvals, allowing you to focus on enjoying your new vehicle.

Business Banking Services

Entrepreneurs will find value in our business banking solutions, including merchant services and business loans tailored to support local businesses. We're committed to fostering growth within our community by helping businesses thrive through accessible financing options.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is essential. That's why we offer robust online and mobile banking platforms that allow you to manage your accounts from anywhere at any time. Whether you're making deposits, transferring funds, or checking balances, everything is just a few taps away on your smartphone or computer.

Credit Cards with Rewards

For those who love to earn while they spend, our credit cards with rewards provide excellent benefits on every purchase. Whether it's cashback on groceries or travel points for your next getaway, these cards reward you just for using them.

Home Financing Options

If homeownership is on your mind, look no further than our mortgage loans and refinancing options. We guide you through every step of the process, making it straightforward to secure the perfect loan for your dream home or refinance an existing mortgage for better terms.

Personal Banking Solutions

We understand that managing finances can be overwhelming. That's why we offer personal banking services like checking and savings accounts designed to simplify your everyday transactions. Whether you're budgeting for groceries or saving for a dream vacation, our accounts come with features that make it easier for you to keep track of your finances.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. Our personal loans and debt consolidation services are designed to help you manage those surprises effectively. Imagine consolidating multiple debts into one manageable payment this could be the key to achieving peace of mind and financial freedom.

Digital & Online Banking

Convenient Online Services

With our online banking portal, accessible at https://gtkycu.com/ , you can manage your accounts anytime, anywhere. Whether you're checking balances, transferring funds, or paying bills, our user-friendly platform makes it simple. Plus, our 24/7 online banking services ensure that you have access to your financial information whenever you need it.

Smart Features for Everyday Banking

Our commitment to convenience extends to features like electronic signature authorization. This allows you to complete transactions quickly without the hassle of paperwork. You can also opt for e-statements, making it easier than ever to keep track of your finances without accumulating clutter. If you're always on the go, you'll love our mobile application. Available for download on most devices, it offers all the functionalities of our online banking right in your pocket. Need to send money to a friend? Our person-to-person transfer feature lets you do just that with ease.

Stay Secure and In Control

Security is a top priority at Greater Kentucky Cu, Inc.. We use advanced encryption technologies to protect your personal information. With mobile payments enabled, you can make purchases securely using just your phone no wallet needed! In a world that's always moving, having control over your finances is essential. With real-time account management tools and easy access to all our digital services, managing your money has never been more straightforward. Experience the future of banking today with Greater Kentucky Cu, Inc. where convenience meets security in every transaction!

Financial Strength

Growing Member Base

The trust placed in us by our community is evident as we manage a total of 14,521 share accounts. This strong member base reflects the confidence that people have in Greater Kentucky Cu, Inc. as their preferred credit union. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Greater Kentucky Cu, Inc. is your trusted partner. Visit us at 1001 Red Mile Rd Lexington Ky 40504 or call (859) 231-9300 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Investment in Growth

Our financial strength is also reflected in our $9,946,830 in undivided earnings. This allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $1,983 in used auto loans and $71,607,701 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Member-Centric Savings Options

Members' savings are secured through $32,879,285 in share certificates and $6,792,242 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $4,238,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is showcased by our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We pride ourselves on having 23 full-time employees ready to assist you with knowledgeable service.

Solid Financial Foundation

With a net worth of $10,165,918, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid foundation is further highlighted by our net worth ratio of $1,123, which demonstrates our ability to provide loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $42,061,412 in used vehicle loans and $16,604,673 in new vehicle loans already helping members get on the road. Whether you're purchasing a new or used vehicle, our competitive rates can make financing easier for you.

Credit Lines

For those looking for additional flexibility in managing expenses or unexpected costs, our total credit lines amounting to $11,625,847 can serve as a reliable resource. Whether it's for home improvements or covering everyday expenses, having access to credit can help keep you financially secure. If you're interested in refinancing any of your existing loans or exploring eligibility options for our products, please don't hesitate to ask our knowledgeable staff for assistance. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Explore our loan offerings today at gtkycu.com or visit us at our branch. Let us help you take the next step toward achieving your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $4,364,577, make buying or refinancing simple. We are committed to guiding you through the process and finding a solution that works best for your financial situation.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $1,051,041 in loans helping members manage their finances effectively. These cards provide an excellent way to build credit while enjoying perks and rewards.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This commitment to accuracy ensures that users receive fair and transparent offers.

GREATER KENTUCKY CU, INC. CREDIT UNION