University of Kentucky Credit Union Lexington KY | Low Mortgage Rates & Quick Personal Loans

Introduction

Welcome to the University Of Kentucky, your trusted financial partner located at 603 S Broadway, Lexington, KY 40508. Since our establishment in 1937, we have dedicated ourselves to serving the community with integrity and care. With over 108,000 members, we pride ourselves on being more than just a credit union; we are a family committed to helping you achieve your financial dreams. At the heart of our operations is a strong foundation built on trust. Our total assets amount to an impressive $1,556,750,860, showcasing our stability and reliability. We understand that managing finances can be overwhelming, which is why we offer various services tailored to meet your needs whether it's personal banking, auto loans, or business financing. Our leadership team reflects our commitment to excellence. Under the guidance of CEO Ryan Ross and Board President Joseph (Tyler) Gayheart, we strive to foster a welcoming environment where every member feels valued. With a dedicated staff of 268 employees, we're here to assist you with personalized service that makes banking easier and more accessible. While members can visit us at our branch for all their financial needs, official correspondence should be sent to the same address: 603 S Broadway, Lexington, KY 40508-3125. You can reach us at (859) 264-4200 for any inquiries or assistance you may need. Join us today and experience firsthand why so many choose the University Of Kentucky as their credit union of choice! Visit our website at ukfcu.org to learn more about how we can help you on your financial journey.

Branch History & Mission

Community Engagement

Our dedication goes hand-in-hand with active participation in local initiatives. We believe in giving back to Lexington and its surrounding areas by partnering with various organizations to support education, financial literacy, and community development projects. While members can visit us at 603 S Broadway, official correspondence should be sent to 603 S Broadway, Lexington, KY 40508-3125. Our branch features both ATM availability and drive-thru services for your convenience. You can reach us at 859-264-4200 during our operating hours: Monday through Friday from 9 a.m. - 6 p.m., and Saturday from 9 a.m. - 1 p.m. As we continue on this journey together, we invite you to experience the unique benefits of being a part of the University Of Kentucky family. Join us today and discover how we can help you achieve your financial goals while making a positive impact in our community!

Our Mission

At University Of Kentucky, our mission is simple yet powerful: to enhance the financial well-being of our members while fostering a strong sense of community. We strive to provide personalized banking experiences that prioritize your needs. Whether you're looking for personal banking options like checking and savings accounts or seeking financing through auto loans and mortgages, our team is here to support you every step of the way. We also recognize the importance of accessibility. That's why we offer advanced digital banking options including online banking and mobile payments, ensuring you can manage your finances wherever you are. Our commitment extends beyond just transactions; we aim to create lasting relationships with our members through outreach programs and community involvement.

Branch Location & Accessibility

Welcome to the University Of Kentucky's South Broadway Branch, conveniently located at 603 S Broadway in the heart of Lexington, KY. Our branch is easy to find and access, nestled near popular local landmarks that make it a breeze for you to stop by. Whether you're running errands or just passing through, we're here to help with all your banking needs. While our physical address is 603 S Broadway, official correspondence can be sent to the same address since it also serves as our mailing address. We ensure that everyone feels welcome at our branch, which is fully equipped with ADA-compliant features and accessible parking options for your convenience. Our operating hours are designed to fit your busy schedule: we're open Monday through Friday from 9 a.m. to 6 p.m., and on Saturdays from 9 a.m. to 1 p.m. This means you can visit us either during the week or on weekends, making it easier than ever to manage your finances. At our South Broadway Branch, we offer a wide range of services tailored to meet your needs from personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing. Need quick cash? Our ATM is available for withdrawals and balance checks at any time. For those who prefer face-to-face interactions, our drive-thru service allows for simple transactions without leaving your vehicle. If you have any questions or need assistance, don't hesitate to give us a call at 859-264-4200. We look forward to welcoming you soon!

Member Eligibility

Becoming a member of University Of Kentucky is like joining a close-knit family where your financial well-being is our top priority. If you live, work, or attend school in the Lexington area, you're likely eligible to join us! We welcome individuals from various walks of life, making it easy for you to access our friendly services and supportive community. Plus, being part of University Of Kentucky means enjoying competitive rates on loans and savings accounts, along with personalized service that puts you first. To learn more about the eligibility criteria, check out this helpful resource: http://www.ukfcu.org/join/become-a-member. When you're ready to open an account, simply visit us at 603 S Broadway Lexington Ky 40508 or give us a call at (859) 264-4200 for guidance on getting started. Join us today and experience the advantages of membership!

Business Banking & Commercial Services

Financing Your Growth

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 merchant services designed to simplify transactions for businesses. Imagine being able to accept payments seamlessly from customers, whether they're shopping online or visiting your storefront. Our solutions help streamline operations, so you can focus on what really matters growing your business. Visit us at 603 S Broadway Lexington Ky 40508 in Lexington, KY, or give us a call at (859) 264-4200 to learn how we can help you achieve your business goals. Your success is our priority!

Comprehensive List Of Services

Accessibility

At University Of Kentucky, we strive for ease of access with our basic drive-thru banking for simple transactions like deposits and withdrawals. Our ATMs are available for quick cash access and balance checks, ensuring you're never left waiting when you need quick service. With extended operating hours from Monday through Friday from 9 a.m. to 6 p.m., and Saturday from 9 a.m. to 1 p.m., we ensure that our services fit into your busy life. If you'd like more information about any of these services or if you're ready to become a member of University Of Kentucky, please feel free to give us a call at (859) 264-4200 or visit us online at South Broadway Branch. We're excited to help you achieve your financial goals!

Business Banking

For our entrepreneurial members, we offer specialized services in business banking. From merchant services that simplify transactions for your customers to business loans that help you grow your operations, we are committed to supporting local businesses.

Credit Solutions

Sometimes life throws unexpected expenses your way. Our personal loans and debt consolidation services provide a safety net when you need it most, allowing you to consolidate existing debts into one manageable payment. Plus, don't forget about our credit cards with rewards, which give you more value on everyday purchases.

Digital Convenience

In today's fast-paced world, having access to your finances at any time is essential. That's why our robust online and mobile banking platforms allow you to manage your accounts from anywhere. Whether you're checking balances, transferring funds, or paying bills, everything is just a few clicks away. We also provide ATM and cash withdrawal services, making it convenient for you to access cash whenever needed.

Personal Banking

We understand that managing personal finances can be challenging. That's why we offer an array of checking and savings accounts designed to help you achieve your financial goals. Need a new car? Our auto loans and vehicle financing options make it easy to drive off in your dream ride without breaking the bank. If you're considering home ownership, explore our mortgage loans and refinancing solutions that cater to your specific situation.

Digital & Online Banking

Convenient Online Banking Services

Our online banking service is available 24/7 at https://www.ukfcu.org/. Whether you're checking your balance or transferring funds, you can do it all from the comfort of your home or on the go. Plus, with our electronic signature authorization feature, signing important documents is quick and hassle-free.

Mobile Banking at Your Fingertips

For those who love using their smartphones, our mobile application brings all the banking features right to your pocket. You can make mobile payments easily and securely, ensuring that you never miss a beat. Need to send money to a friend? Our person-to-person transfer option makes it simple and fast.

Security You Can Trust

Your security is our top priority. We employ robust measures to keep your information safe while you manage your finances online. From secure logins to encrypted transactions, you can rest assured that your personal data is protected every step of the way. In a world where time is precious, University Of Kentucky's digital and online banking services provide a reliable solution for managing your money with ease and confidence. Join us today and experience the future of banking!

Stay Informed with E-Statements

Say goodbye to paper clutter! Enjoy the convenience of e-statements, which are not only eco-friendly but also allow you to access your financial information anytime. You'll receive timely updates about your accounts without having to sift through piles of paperwork.

Financial Strength

At University Of Kentucky, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. With a strong foundation built on trust and reliability, we are dedicated to ensuring that your financial future remains bright. 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. 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. Our commitment to our members is reflected in our $168,885,235 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better. With $21,805 in used auto loans and $1,314,648,365 in total loans and leases, our lending capacity supports members' financial goals across various sectors. We take pride in operating efficiently with a net income of $2,248,186, enabling us to continue offering competitive loan rates and solid financial products for our members. Our team is here for you comprising 255 full-time employees and 13 part-time employees who are committed to providing excellent service whenever you need assistance. Net Shares (Funds available for lending and investments): $2,179,688. Total Share Accounts: 195,790, showcasing the trust our growing member base has placed in us. 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 603 S Broadway Lexington Ky 40508 or call (859) 264-4200 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.*

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. Whether you're purchasing a new or used vehicle, we have flexible financing options tailored to fit your budget.

Commercial Loans

For business owners, our outstanding commercial loans totaling $104,152,502 provide the capital needed to grow and expand. We understand the unique challenges faced by businesses today and are here to help you navigate those challenges with ease. At University Of Kentucky, we also offer refinancing options for many of our products. If you're looking to lower your monthly payments or consolidate debt, our team is ready to discuss eligibility options with you. If you're interested in any of these loan products or have questions about how they can work for you, don't hesitate to reach out! You can contact us at (859) 264-4200, or visit us at our branch located at 603 S Broadway Lexington Ky 40508 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. We're committed to providing transparent information to help you make informed financial decisions. Let us assist you on your journey towards achieving your financial goals!

Credit Lines and Personal Loans

For those looking for additional flexibility, we provide various credit lines and unsecured credit card loans. With a total of $31,554,897 in unsecured credit card loans available, our members can manage their finances effectively while enjoying the benefits of low-interest rates and no annual fees.

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 offer competitive rates and terms that can help make your dream home a reality.

Loan Aggregator

Benefits of Using LendMesh

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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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