University of Kentucky Credit Union Lexington KY | Low Mortgage Rates & Business Banking

Introduction

Welcome to University Of Kentucky, your trusted partner in financial well-being since 1937! Located at 2557 Sir Barton Way, Lexington, KY 40509, our Hamburg Branch is dedicated to serving the needs of our community with a personal touch. With over 108,770 members and total assets exceeding $1.56 billion, we pride ourselves on being a cornerstone of financial support for individuals and families alike. At University Of Kentucky, we understand that every member's journey is unique. Whether you're looking for competitive auto loans, savings accounts, or business banking solutions, we are here to help you every step of the way. Our commitment is reflected not only in our services but also in our strong financial standing boasting total deposits of $158,305,983 and a net worth of $173,109,300. Under the leadership of our CEO, Ryan Ross, and Board President, Joseph (Tyler) Gayheart, we strive to create an environment where our members can thrive. We employ a dedicated team of 273 staff members, all focused on delivering exceptional service tailored to your needs. While you can visit us at our branch for face-to-face assistance, please remember that any official correspondence should be sent to the same address: 2557 Sir Barton Way, Lexington, KY 40509. We invite you to explore what we have to offer by visiting our website at ukfcu.org. For any inquiries or assistance, feel free to call us at 859-264-4200 during our operating hours Monday through Friday from 9 a.m. to 6 p.m., and Saturday from 9 a.m. to 1 p.m. Join us today and experience the difference that a community-focused credit union can make!

Branch History & Mission

Community Partnerships

We take pride in being part of the Lexington community. Our outreach efforts include partnerships with local organizations to support various initiatives aimed at improving lives and enhancing opportunities for residents. Whether through financial workshops or sponsoring community events, we strive to make a positive impact.

Embracing Technology for Better Service

As we move forward into a digital age, we are dedicated to making banking easier and more accessible for everyone. We offer online and mobile banking options so that you can manage your finances on your terms. Additionally, our ATM services are available for quick cash withdrawals or balance checks whenever you need them.

Join Us!

We invite you to become part of our family at University Of Kentucky. Experience firsthand how our commitment to service can benefit you and your loved ones. Whether you're looking for personal banking solutions or seeking guidance on your financial journey, we're here to help every step of the way. Visit us during our operating hours Monday through Friday from 9 a.m. to 6 p.m., and Saturday from 9 a.m. to 1 p.m. or call us at 859-264-4200 for more information. Join us today and discover what it means to be part of a credit union that truly cares about its members!

Our Location and Community Roots

You can find us at 2557 Sir Barton Way in Lexington, a location that's easily accessible and near several local landmarks. Our branch is designed to be welcoming and supportive for all who walk through our doors. While members can visit us at this address, official correspondence should be sent to our mailing address: 2557 Sir Barton Way, Lexington, KY 40509.

Our Mission

At University Of Kentucky, our mission goes beyond just providing financial services; we aim to empower our members and uplift our community. We believe in fostering financial literacy and offering resources that help individuals achieve their dreams whether it's buying a home, financing education, or starting a new business. Our commitment to serving the community is reflected in our diverse range of services including personal banking accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions.

Branch Location & Accessibility

Convenient Access and Features

At our Hamburg Branch, we prioritize your convenience. We offer ample parking right outside the branch, ensuring easy access whether you're driving or walking. The branch is ADA compliant, featuring ramps and accessible entrances so everyone can visit us comfortably. If you prefer to use our drive-thru service, you'll find that available as well. This allows you to complete transactions from your vehicle perfect for those busy days when you're on the go!

Get in Touch

If you have questions or need assistance, don't hesitate to reach out! You can call us at 859-264-4200; our friendly staff is here to help. We invite you to come by and experience our welcoming environment firsthand your financial journey starts here at the Hamburg Branch!

Operating Hours

We understand that life can get hectic, which is why our doors are open Monday through Friday from 9 a.m. to 6 p.m., and on Saturday from 9 a.m. to 1 p.m. This gives you plenty of opportunities to stop in when it suits you best.

Services Available

At the Hamburg Branch, we provide a range of services tailored to meet your banking needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have solutions designed just for you. Plus, with ATM availability on-site, withdrawing cash or checking your balance is always convenient. While members can visit us at 2557 Sir Barton Way for all their banking needs, official correspondence should be sent to the same address for consistency.

Member Eligibility

Joining the University Of Kentucky is like becoming part of a caring community that puts your financial well-being first. If you're interested in membership, you'll be happy to know that eligibility is open to anyone who lives, works, or attends school in the area around our branch. This includes all residents of Fayette County and those affiliated with the University of Kentucky. It's easy and straightforward to become a member; simply visit us at 2557 Sir Barton Way Lexington Ky 40509 or check out the details on our website at http://www.ukfcu.org/join/become-a-member. Once you're ready to take the next step, opening an account is just as simple! You can begin your journey towards better banking by following the instructions found here: https://secure.ukfcu.org/ukfcuonlinebanking/sdk/autoenrollmente2e/forgotlogin. If you have any questions, feel free to give us a call at (859) 264-4200. We're here to help you every step of the way!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $242 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 $101,976,197, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer robust merchant services designed to simplify daily operations. Imagine a local café easily accepting payments via mobile wallets or an online store managing transactions efficiently. Our tools help streamline payment processing, ensuring you can focus more on serving your customers and less on paperwork. Visit us at 2557 Sir Barton Way Lexington Ky 40509 in Lexington, KY or call us at (859) 264-4200 to discover how we can support your business journey today!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash? Our ATM services make it easy for you to access funds quickly and securely. With basic drive-thru banking available for deposits and withdrawals as well as simple transactions, we ensure that banking is not just accessible but also convenient. We invite you to visit us at 2557 Sir Barton Way Lexington Ky 40509 or give us a call 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. Explore how University Of Kentucky can assist you in reaching your financial goals today! For more information about our services or to open an account online, please visit our website at Hamburg Branch.

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our auto loans and vehicle financing options make it easier than ever. We offer competitive rates that fit within your budget, allowing you to drive off in the vehicle you've always wanted without breaking the bank.

Business Banking

For entrepreneurs and business owners, we provide specialized business banking solutions including merchant services and business loans. Whether you're starting a new venture or looking to expand an existing one, we'll work with you to find the right financial products tailored specifically for your business needs.

Credit Cards with Rewards

Enjoy shopping even more with our credit cards that come with rewards! Earn points on every purchase which you can redeem for travel, merchandise, or cash back. It's our way of saying thank you for choosing University Of Kentucky.

Mortgage Loans & Refinancing

Homeownership is a big step, and we're here to help you navigate it smoothly. Our mortgage loans provide flexible terms and competitive interest rates, making it simpler for you to buy your dream home. If you're already a homeowner, consider refinancing with us to potentially lower your monthly payments and save on interest.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why University Of Kentucky offers robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. From checking balances to transferring funds or paying bills all at your fingertips!

Personal Banking

Managing your finances should be simple and straightforward. Our personal banking options include checking and savings accounts that help you keep track of your money effortlessly. Imagine being able to set aside funds for emergencies while still enjoying access to your cash whenever you need it. With University Of Kentucky, you can make that a reality.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, but our personal loans can help ease the burden. Whether it's for medical bills or home repairs, we offer loans that cater to your specific situation. Additionally, if you're feeling overwhelmed by debt, our debt consolidation services can simplify your finances by combining multiple payments into one manageable loan.

Digital & Online Banking

Key Features

Our online banking service provides 24/7 access to your account, allowing you to check balances, transfer funds, and pay bills whenever it suits you. The user-friendly interface makes navigating through your financial information a breeze. Plus, with our electronic signature authorization feature, signing documents is quick and secure, eliminating the hassle of printing and mailing. If you prefer to manage your banking on the go, our mobile application is available for download, putting all these features right in your pocket. You can easily make person-to-person transfers and enjoy the convenience of mobile payments. Whether splitting a bill with friends or making a quick purchase at your favorite store, our mobile payments feature offers simplicity and security.

Stay Informed and Secure

To help you keep track of your finances without the clutter of paper statements, we offer e-statements that are not only environmentally friendly but also accessible from any device. You'll receive notifications about new statements directly to your email, ensuring you're always up-to-date. At University Of Kentucky, we prioritize your security while providing a streamlined experience. Our advanced encryption technology ensures that your personal information remains safe as you take advantage of these digital services. With our commitment to accessibility and ease-of-use, managing your finances has never been more straightforward. Explore all these features today by visiting us at https://www.ukfcu.org/ and discover how digital banking can simplify your life!

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. We are proud to share our strong financial health, which serves as a solid foundation for the services we provide. With a net worth of $173,109,300, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.09% 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 $549,431,588 in share certificates and $225,345,176 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $1,587,000, 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 further reflected in our $172,491,519 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better. With $21,251 in used auto loans and $1,303,665,775 in total loans and leases, our lending capacity supports members' financial goals across various sectors. While our current net income stands at $2,248,186, it 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 257 full-time employees and 16 part-time employees who ensure our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments) amount to $1,170,583, while the total number of Share Accounts stands at 199,495, showing a strong and growing member base that trusts us with their finances. 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 2557 Sir Barton Way Lexington Ky 40509 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 $409,075,668 in used vehicle loans and $77,613,537 in new vehicle loans already helping members get on the road. We provide flexible terms and fast approvals to make the process as smooth as possible.

Business Loans

If you're a business owner, our outstanding commercial loans totaling $101,976,197 provide the capital needed to grow and expand your business. We understand that every business is different, and our tailored loan solutions can help you succeed. Our team at University Of Kentucky, located at 2557 Sir Barton Way Lexington Ky 40509, Lexington, KY, is here to guide you through the application process and answer any questions you may have. Feel free to call us at (859) 264-4200 during our operating hours: Monday through Friday from 9 a.m. to 6 p.m., and Saturday from 9 a.m. to 1 p.m. 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 ready to apply or just need more information about our offerings, we encourage you to explore your options with us today!

Credit Lines and Credit Cards

For those looking for additional flexibility, we have credit lines available totaling $563,410,237. We also provide unsecured credit card loans, with a total of $32,694,960 in loans helping members manage their finances effectively. Our credit cards come with competitive rates and rewards programs to suit your spending habits.

Mortgage Options

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $381,275,906, make buying or refinancing simple. We also offer various refinancing options to help you lower your monthly payments or access equity in your home.

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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