University of Kentucky Credit Union Lexington KY | Best Auto Loans & Top Checking Accounts

Introduction

Welcome to the University of Kentucky at our Reynolds Road Branch, located at 370 Meijer Way, Lexington, KY 40503. Since our establishment in 1937, we have proudly served a growing community of over 108,428 members, providing reliable financial services tailored to your needs. At the heart of our mission is a commitment to our members. With total assets amounting to an impressive $1,556,750,860 and total deposits of $142,378,657, we strive to ensure your financial well-being. Our dedicated team of 268 employees, led by CEO Ryan Ross and Board President Joseph (Tyler) Gayheart, works tirelessly to create a welcoming atmosphere where you can feel confident in your banking choices. We understand that life can be unpredictable, which is why we offer a variety of services including personal banking, auto loans, mortgages, and business financing. With over 61,510 loans and leases provided to our members, we are here to support you through every stage of your financial journey. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address: 370 Meijer Way, Lexington, KY 40503. Our doors are open Monday through Friday from 9 a.m. to 6 p.m., and Saturday from 9 a.m. to 1 p.m., making it convenient for you to stop by or call us at 859-264-4200. Join us today and discover how the University of Kentucky Credit Union can help you achieve your financial goals. Visit our website at ukfcu.org for more information!

Branch History & Mission

At the heart of Lexington, KY, the University of Kentucky Credit Union has been a cornerstone of financial support and community engagement since it first opened its doors in 1937. Originally founded to serve the needs of university employees and their families, this branch has grown remarkably over the decades. With a current total membership exceeding 108,000, we have become a trusted partner in the financial journeys of many individuals and families. Located at 370 Meijer Way, Lexington, KY 40503, our branch is easily accessible for members throughout the area. As you visit us, you'll find nearby landmarks that enrich our community spirit, making it easy for you to connect with us. Our mission is simple yet powerful: to provide exceptional financial services while fostering a sense of belonging and support within our community. We believe in empowering our members through education and advocacy, helping them achieve their financial goals. As we evolved over the years, we've embraced advancements in technology while staying true to our mission. Today, we proudly offer modern conveniences like online banking, mobile payments, and electronic signatures to make banking easier and more efficient for everyone. With total assets reaching an impressive $1,556,750,860, we maintain a strong financial foundation that allows us to serve our members effectively. Our commitment extends beyond just banking; we actively engage in community outreach efforts aimed at uplifting those around us. By partnering with local organizations and hosting events, we strive to create positive change and foster a vibrant community spirit. While members can visit us at 370 Meijer Way Lexington Ky 40503, official correspondence should be sent to 370 Meijer Way, Lexington, KY 40503. Our dedicated staff is here Monday through Friday from 9 a.m. to 6 p.m., and on Saturdays from 9 a.m. to 1 p.m., ready to assist you with all your financial needs. As we look toward the future, we invite you to join us at the University of Kentucky Credit Union. Experience firsthand how we combine comprehensive financial services with genuine care for our members and community alike. Together, let's build a brighter financial future! For more information or to become a member today, give us a call at (859) 264-4200 or visit our website at www.ukfcu.org.

Branch Location & Accessibility

Accessibility and Parking

When you visit us, you'll find ample parking available right outside our branch, ensuring a hassle-free experience. We also prioritize accessibility for all our members, with features like ADA-compliant ramps and wide doorways to make your visit as smooth as possible.

Call Us or Visit Today!

Have questions? Feel free to give us a call at 859-264-4200! We're always happy to help with any inquiries you may have. Whether you're an existing member or looking to join our community, we invite you to stop by the University Of Kentucky branch today and experience exceptional service firsthand!

Operating Hours and Services

Our friendly team is here to serve you Monday through Friday from 9 a.m. to 6 p.m., and we open our drive-thru on Saturdays from 9 a.m. to 1 p.m. Whether you need to make a deposit, withdraw cash from our ATM, or discuss loan options, we're ready to assist you during these hours. At the University Of Kentucky branch, we offer a range of services tailored to meet your financial needs. From personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Plus, our basic drive-thru banking makes quick transactions even easier!

Member Eligibility

Becoming a member of University Of Kentucky is like joining a family that truly cares about your financial well-being. To be eligible, you simply need to meet a few friendly criteria, which can include being affiliated with the University of Kentucky or living in specific areas around Lexington. We welcome students, employees, and their families to take part in our supportive community. If you're interested in learning more about the eligibility requirements, feel free to check out the details at http://www.ukfcu.org/join/become-a-member. Opening an account with us is straightforward and designed to fit your needs. Whether you're looking for a checking account, savings options, or loans, we're here to help every step of the way. You can start this journey easily by visiting us online at https://secure.ukfcu.org/ukfcuonlinebanking/sdk/autoenrollmente2e/forgotlogin, or give us a call at (859) 264-4200 if you have any questions! Our location at 370 Meijer Way Lexington Ky 40503 is always ready to welcome you into the fold of our member-focused services.

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $248 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $63 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $104,152,502, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Matter

In addition to loans, we offer tailored merchant services that help businesses streamline their operations. Imagine being able to process payments quickly and securely while focusing on what you do best serving your customers. Our services are designed to simplify transactions and improve cash flow, giving you more time to grow your business. If you're looking for a banking partner that truly cares about your success, visit us at 370 Meijer Way Lexington Ky 40503 or call us at (859) 264-4200. Together, let's build a brighter future for your business!

Comprehensive List Of Services

Accessible Banking Options

We also offer convenient options like our Basic Drive-Thru Banking, where you can handle deposits, withdrawals, and simple transactions without leaving your vehicle. Need quick cash? Our Basic ATM Access allows for straightforward withdrawals and balance checks. At University Of Kentucky, we strive to combine traditional banking values with modern technology to serve you better. Whether you're visiting us at our branch or using our digital platforms, we're dedicated to making banking easier for you. Feel free to reach out at (859) 264-4200 or visit us in person during our operating hours: Monday through Friday from 9 a.m. - 6 p.m., and Saturday from 9 a.m. - 1 p.m. We look forward to helping you take the next step in your financial journey!

Business Banking Support

If you're a business owner, University Of Kentucky offers robust Business Banking services as well. With our Merchant Services and Business Loans, we support local businesses in achieving their aspirations. We believe in building relationships that foster growth.

Digital Convenience

In today's fast-paced world, having access to banking at your fingertips is essential. Our Online & Mobile Banking features provide easy access to your accounts whenever you need it. You can make deposits, check balances, and even transfer money with just a few taps on your smartphone. Additionally, our ATM & Cash Withdrawal Services ensure you can access cash quickly and easily.

Personal Banking Solutions

Whether you're just starting out or looking to grow your savings, our Personal Banking options are tailored for everyone. From Checking & Savings Accounts that help you manage your day-to-day transactions to Auto Loans & Vehicle Financing that can put you behind the wheel of your dream car, we've got you covered. Need a place to call home? Our Mortgage Loans & Refinancing options make buying or refinancing a house straightforward and stress-free. For those unexpected expenses, our Personal Loans & Debt Consolidation solutions offer flexible terms to help you regain control over your finances. Plus, don't miss out on our Credit Cards with Rewards, perfect for earning points on your everyday purchases!

Digital & Online Banking

Key Features for Your Convenience

One of the standout features at University Of Kentucky is our Mobile Application, which puts banking at your fingertips. You can manage your accounts on-the-go, making it easier than ever to stay on top of your financial health. Plus, with E-Statements available, you can say goodbye to paper clutter and easily track your financial activity electronically. We also prioritize security. With our Electronic Signature Authorization, signing documents online is simple yet secure, giving you peace of mind as you conduct transactions from home or anywhere else. Additionally, our Mobile Payments Feature lets you make purchases directly from your smartphone, adding another layer of convenience to your banking experience.

Stay Connected with Easy Transfers

Need to send money to a friend? Our Person-to-Person Transfers feature allows for quick and easy transfers right through our platform. This means no more waiting in lines or dealing with cash; just a simple tap on your phone will do the trick! At University Of Kentucky, we believe in providing an all-encompassing online banking experience that keeps you connected to your finances in real-time. From budgeting tools to instant alerts about account activity, every feature is crafted with your needs in mind. Explore all these services and more today by visiting us online at https://www.ukfcu.org/. Experience the ease of digital banking with University Of Kentucky your partner in financial wellness!

Financial Strength

Commitment to Growth

With $168,885,235 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our robust lending capacity supports your financial goals with $21,805 in used auto loans and $1,314,648,365 in total loans and leases.

Growing Member Base

Our commitment to service is evident with a growing member base of 195,790, showing that more people trust us with their finances. The funds available for lending and investments stand at $2,179,688, further indicating our ability to support our members' needs effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, University Of Kentucky is your trusted partner. Visit us at 370 Meijer Way Lexington Ky 40503 or call (859) 264-4200 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency is reflected in our $2,248,186, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 255 full-time employees and 13 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Options

Members' savings are secured through $581,831,529 in share certificates and $241,940,588 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $3,083,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Health

With a net worth of $170,139,517, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.92% demonstrates a solid capital foundation, ensuring that we can continue providing 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 $423,975,969 in used vehicle loans and $84,071,082 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates, ensuring you find an option that fits your budget. Whether you're interested in financing a brand-new model or a reliable used vehicle, we have solutions tailored just for you.

Commercial Loans

For business owners, our outstanding commercial loans totaling $104,152,502 provide the capital needed to grow and expand. We understand the challenges of running a business and are committed to offering supportive financing solutions that fit your unique requirements. At University Of Kentucky, we are dedicated to helping our members navigate their borrowing options efficiently and transparently. If you're interested in exploring refinancing options or checking your eligibility for any of our loan products, feel free to reach out. You can contact us at (859) 264-4200, or visit us at our branch located at 370 Meijer Way Lexington Ky 40503 in Lexington, 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. Let us help you take the next step toward achieving your financial goals!

Credit Lines and Unsecured Loans

For those seeking additional flexibility, our total credit lines amount to $555,962,743, allowing members to access funds when needed without the hassle of traditional loans. We also offer flexible terms on unsecured credit card loans, with a total of $31,554,897 in loans helping members manage their finances effectively. This means you can handle unexpected expenses or everyday purchases without straining your budget.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $368,091,649, make buying or refinancing simple. We aim to guide you through every step of the process, providing personalized service and competitive rates that can help make your dream home a reality.

Loan Aggregator

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UNIVERSITY OF KENTUCKY FEDERAL CREDIT UNION - Lexington, KY

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

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