University of Kentucky Credit Union Lexington KY | Affordable Vehicle Loans & Online Banking

Introduction

Welcome to University Of Kentucky, your trusted partner in financial well-being, located at 2000 Winchester Rd, Lexington, KY 40505. Since our establishment in 1937, we have proudly served our community, growing to a vibrant membership of 108,428 individuals who trust us with their financial needs. At University Of Kentucky, we believe that everyone deserves access to quality banking services tailored to their unique situations. Our branch is more than just a place to manage your finances; it's a hub for support and guidance. With total assets exceeding $1.5 billion, our commitment to safeguarding your money is unwavering. We currently hold approximately $142 million in deposits and have provided over 61,510 loans and leases, showcasing our dedication to helping you achieve your financial goals. Led by our experienced CEO, Ryan Ross, and Board President, Joseph (Tyler) Gayheart, our team of 268 employees is here to serve you with personalized care. Whether you're looking for personal banking solutions like checking and savings accounts or need assistance with auto loans, mortgages, or credit cards, we have the resources you need. While you can visit us at our branch location for all your banking needs, please note that official correspondence should be directed to our mailing address: 2557 Sir Barton Way, Lexington, KY 40509. We invite you to explore the many services we offer at our website. Feel free to call us at 859-264-4222 for any inquiries or assistance. Join us today and discover how University Of Kentucky can help you thrive financially!

Branch History & Mission

At University Of Kentucky, we proudly carry a legacy that dates back to our opening in 1937. Located at 2000 Winchester Rd Lexington Ky 40505 in the vibrant city of Lexington, KY, we have grown alongside our community, currently serving over 108,428 members. Our journey has been one of commitment, growth, and unwavering support for those we serve. From our humble beginnings, we have evolved into a trusted financial institution with total assets of $0}. We understand that our members are not just numbers; they are families, students, and professionals striving for their financial goals. Each milestone in our history reflects our dedication to providing exceptional services tailored to meet diverse needs, whether it's personal banking, auto loans, or business financing. Our mission is simple yet profound: to empower individuals and families by offering comprehensive financial solutions while actively supporting community initiatives. We believe in building strong relationships with our members, helping them make informed financial decisions that lead to brighter futures. This mission drives everything we do from enhancing our digital services to ensure accessibility for all, to participating in local outreach programs aimed at uplifting those around us. While you can visit us at 2000 Winchester Rd Lexington Ky 40505, official correspondence should be sent to 2557 Sir Barton Way, Lexington, KY 40509. We invite you to experience the welcoming environment and personalized service that define University Of Kentucky. Our operating hours from Monday through Friday are 12 PM to 1:40 PM, making it convenient for you to stop by whenever you need assistance. As we continue moving forward, we remain committed to improving our services and expanding our offerings. Whether you're looking for an auto loan or want guidance on managing your savings effectively, our knowledgeable team is here to help. Join us at University Of Kentucky and discover how we can support your financial journey while contributing positively to the community we love. Together, let's build a future where everyone thrives! For more information or to get started today, call us at (859) 264-4222 or visit our website at https://www.ukfcu.org/.

Branch Location & Accessibility

Accessibility and Parking

Our branch is designed with accessibility in mind. We offer features that comply with ADA standards, ensuring that everyone can visit comfortably. Ample parking is available nearby, making it easy for you to stop by without any hassle.

Contact Us

If you have questions or need assistance, don't hesitate to give us a call at 859-264-4222. Our friendly team is here to help! We invite you to come by and see how we can assist you with all your banking needs. Your financial journey starts here at the University Of Kentucky branch!

Operating Hours

We understand that your time is valuable. That's why our lobby hours are set from Monday to Friday, opening at noon and closing at 1:40 PM. This schedule allows you to manage your banking needs efficiently during lunch breaks or other convenient times.

Services Offered

At the University Of Kentucky branch, we offer a variety of services tailored to meet your financial needs. Whether you're interested in personal banking options like checking and savings accounts or looking into auto loans, mortgages, or even credit cards with rewards, we've got you covered. Plus, if you're a business owner, our merchant services can help streamline your operations.

Member Eligibility

At University Of Kentucky, we believe that becoming a member is like joining a family where everyone supports each other. If you live, work, or attend school in the Lexington area, you're already on your way to enjoying all the benefits of membership! Whether you're a student at Frederick Douglass High School or a local resident, our doors are open to you. Membership here means more than just banking; it's about being part of a community that cares. You'll have access to personalized financial services designed to help you thrive, from checking accounts to auto loans and beyond. Ready to take the next step? Opening an account is simple! Just visit us at our branch located at 2000 Winchester Rd Lexington Ky 40505 or give us a call at (859) 264-4222 for assistance. For more detailed information on eligibility requirements, check out our website at http://www.ukfcu.org/join/become-a-member. We can't wait to welcome you into the University Of Kentucky family!

Business Banking & Commercial Services

Merchant Services for Everyday Success

Imagine processing payments seamlessly while serving your customers. Our merchant services simplify transactions, allowing you to focus on what truly matters growing your business. From credit card processing to mobile payment solutions, we provide tools that empower you to enhance customer experiences and boost sales. Join us at University Of Kentucky, located at 2000 Winchester Rd Lexington Ky 40505, where we are dedicated to helping local businesses thrive. For more information or to get started, call us at (859) 264-4222. Let's work together toward your business goals!

Tailored Loan Solutions

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.

Comprehensive List Of Services

Accessibility and Contact Information

If you have any questions or would like more information about our services, don't hesitate to reach out! You can contact us at (859) 264-4222 during our lobby hours from Monday to Friday from 12 PM until 1:40 PM. We're here to assist you with any financial needs or inquiries you may have. At University Of Kentucky, we are more than just a credit union; we are a community partner dedicated to your financial well-being. Explore how our comprehensive list of services can help you achieve your goals today! Visit us online at https://www.ukfcu.org/ or stop by our branch at 2000 Winchester Rd Lexington Ky 40505 in Lexington, KY. We look forward to serving you!

Business Banking Solutions

For our entrepreneurial members, we provide business banking services tailored to support your ventures. From merchant services that streamline payment processing to business loans designed to help you grow, University Of Kentucky is committed to helping local businesses thrive.

Credit Cards with Rewards

Our credit cards come with great rewards programs that benefit everyday purchases. You can earn points for cash back or travel rewards while enjoying competitive interest rates. It's a smart way to spend and save simultaneously.

Digital Banking Features

In today's busy world, convenience is key. That's why we have invested in robust online and mobile banking platforms that allow you to manage your accounts anytime, anywhere. With features like mobile payments, person-to-person transfers, and e-statements, keeping track of your finances has never been easier. Plus, our electronic signature authentication makes signing documents simple and secure.

Financial Support Options

We understand that life can bring unexpected challenges. That's why we offer personal loans and debt consolidation services to help you regain control over your finances when needed. With flexible terms and competitive rates, our team is here to support you through tough times.

Personal Banking Services

For those seeking personal banking solutions, we offer a variety of options that can fit any lifestyle. Our checking and savings accounts provide the perfect foundation for your everyday banking needs, allowing you to easily manage your funds. If you're considering a new vehicle, our auto loans and vehicle financing options make it simple to drive away in the car you want without breaking the bank. Additionally, if homeownership is in your plans, our mortgage loans and refinancing services are designed to guide you through the process with ease.

Digital & Online Banking

Key Features

Our platform also offers e-statements, allowing you to receive your account statements electronically. This not only helps the environment but also keeps your information organized and easily accessible. If you're looking for even more flexibility, our mobile application puts all of these features right in your pocket. You can manage your accounts, deposit checks remotely, and send person-to-person transfers seamlessly. For those who prefer contactless payments, we've got you covered with our mobile payments feature. With just a tap on your smartphone, you can make purchases without needing cash or cards. In addition to these features, we know that sometimes things come up that require immediate attention. That's why our online banking services are available 24/7 so you can handle your financial needs whenever it's convenient for you. At University Of Kentucky, we're committed to providing you with user-friendly digital banking options that empower you to manage your finances with confidence and ease. Join us today and experience the difference!

Financial Strength

Growing Member Trust

Total Share and Deposit Accounts: 195,790, show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $2,179,688 further highlight our commitment to providing valuable resources for your needs. 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 2000 Winchester Rd Lexington Ky 40505 or call (859) 264-4222 to learn more about how we can help you achieve your financial goals.

Investment in Member Services

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 lending capacity supports members' financial goals across various sectors with $21,805 in used auto loans and $1,314,648,365 in total loans and leases.

Operational Efficiency

Our $2,248,186 reflects our operational efficiency, enabling 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

Additional Financing Options

For those looking for additional financial support, our total auto loans currently stand at $43,610, and our total credit lines amount to $555,962,743. These offerings provide you with resources to navigate unexpected expenses or major purchases without hassle. We encourage you to explore refinancing options as well if you're looking to lower your current payments or access cash from your home equity. Eligibility information is readily available at our website. If you have any questions about our loan products or need assistance determining which option is best for you, don't hesitate to reach out! You can contact us at (859) 264-4222 or visit us at our branch located at 2000 Winchester Rd Lexington Ky 40505, 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. At University Of Kentucky, we're here to support your journey towards financial wellness with practical lending solutions tailored just for you.

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. Whether you're considering a brand-new model or a reliable used vehicle, we have options that fit 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 provide various mortgage solutions tailored to first-time buyers and seasoned homeowners alike, ensuring that you find the right fit for your financial situation.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. That's why 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. Our credit cards come with rewards and benefits that make everyday purchases more rewarding.

Loan Aggregator

How LendMesh Ensures Accurate Loan Comparisons

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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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