University of Kentucky Credit Union Lexington KY | Quick Personal Loans & Rewards Credit Cards

Introduction

Welcome to University Of Kentucky, your trusted partner in financial well-being located at 940 Midnight Pass, Lexington, KY 40513. Established in 1937, we have proudly served our community for decades, helping over 108,428 members achieve their financial goals. With total assets of $1,556,750,860 and deposits amounting to $142,378,657, we stand firm as a reliable choice for personal and business banking. At University Of Kentucky, we understand that each member's journey is unique. Whether you're looking for auto loans, mortgage options, or convenient online banking services, we offer a range of solutions tailored just for you. Our commitment is reflected not only in our extensive financial resources but also in the personalized service provided by our dedicated team of 268 employees, led by CEO Ryan Ross and Board President Joseph (Tyler) Gayheart. While you can visit us at our branch for all your banking needs, official correspondence should be sent to the same address: 940 Midnight Pass, Lexington, KY 40513. We invite you to experience the difference at University Of Kentucky where your financial success is our priority. Feel free to reach out to us at (859) 264-4200 or explore more about our services on our website here. Join us today and discover how we can assist you in achieving your financial dreams!

Branch History & Mission

Welcome to the University Of Kentucky branch, where our commitment to serving the Lexington community dates back to 1937. Since our founding, we have grown and evolved, always focusing on the needs of our members. Located at 940 Midnight Pass in beautiful Lexington, KY, we are proud to be a cornerstone of support for individuals and families in our area. Over the years, we have witnessed remarkable growth, now proudly serving over 108,000 members. Our total assets have reached an impressive $1,556,750,860, a testament to our financial stability and commitment to providing excellent service. From humble beginnings, we have adapted to meet changing times while maintaining our core values of community support and member-focused service. Our mission is simple yet powerful: we aim to empower our members through a range of financial services that help them achieve their dreams. Whether you need checking and savings accounts, auto loans, or mortgages, we're here for you. We also believe in giving back to our community through outreach programs and partnerships that enrich lives and foster connections. While members can visit us at 940 Midnight Pass Lexington Ky 40513, official correspondence should be sent to 940 Midnight Pass, Lexington, KY 40513. Our branch features convenient amenities like an ATM and drive-thru banking options for your ease. We operate Monday through Friday from 9 a.m. to 6 p.m., and on Saturdays from 9 a.m. to 1 p.m., making it easy for you to access your banking needs when it suits you. In today's digital world, we embrace technology with online banking services and mobile payments that ensure you can manage your finances anytime, anywhere. We also prioritize accessibility with ADA-compliant facilities so everyone in our community can bank comfortably. We invite you to become part of our growing family at University Of Kentucky branch. Experience firsthand how we blend traditional values with modern conveniences designed just for you. Join us today and let's work together toward a brighter financial future! For more information or assistance, feel free to call us at (859) 264-4200 or visit our website at UKFCU.

Branch Location & Accessibility

Get in Touch

Have questions or want more information? Don't hesitate to call us at 859-264-4200! We invite you to visit us at our branch or check out our website at UKFCU.org. We look forward to serving you soon!

Nearby Landmarks and Accessibility

Situated near local favorites and essential landmarks, our branch is easy to spot and reach. With ample parking available, including accessible spaces for those with mobility challenges, we ensure that everyone can visit us comfortably. Our facility is ADA-compliant with ramps and other features designed to assist all members.

Operating Hours

We understand that your time is valuable. That's why our lobby is open Monday through Friday from 9 a.m. to 6 p.m., making it convenient for you to stop in after work or during lunch breaks. On Saturdays, we're here from 9 a.m. to 1 p.m., ensuring you have time on weekends too!

Services Offered

At University Of Kentucky, we pride ourselves on providing a wide range of personal banking services tailored just for you. From checking and savings accounts to auto loans and mortgage refinancing, our dedicated team is ready to assist you with any financial needs. Need quick access? Take advantage of our drive-thru service for deposits and withdrawals without leaving your vehicle.

Member Eligibility

At University Of Kentucky, we believe that everyone deserves to be part of a supportive community. Becoming a member is simple and welcoming! If you live, work, or study in the area, or if you're associated with our partner organizations, you're likely eligible to join us. We want to make sure you have access to great financial services tailored just for you. Plus, as a member of University Of Kentucky, you'll enjoy benefits like competitive rates on loans and savings, personalized service, and access to various financial resources designed to help you succeed. For detailed eligibility criteria and updates, feel free to check out our website at http://www.ukfcu.org/join/become-a-member. When you're ready to open an account, the process is easy! Just visit us online at https://secure.ukfcu.org/ukfcuonlinebanking/sdk/autoenrollmente2e/forgotlogin or give us a call at (859) 264-4200. Our friendly team is here to help guide you every step of the way. Come be a part of something special at University Of Kentucky, located at 940 Midnight Pass Lexington Ky 40513 we can't wait to welcome you!

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 $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 that help streamline your operations. Imagine having a reliable partner for payment processing that simplifies transactions, allowing you to focus on what you do best growing your business. Our tools can enhance customer experiences, making payments easy and fast. Explore how our tailored solutions at University Of Kentucky, located at 940 Midnight Pass Lexington Ky 40513 in Lexington, KY, can empower your business today! For more information, call us at (859) 264-4200.

Comprehensive List Of Services

Business Banking Solutions

For entrepreneurs and business owners, we offer comprehensive business banking services that include merchant services and business loans. Let us help you take your venture to the next level with financial solutions tailored just for you.

Convenient Access Anytime, Anywhere

With our commitment to convenience, we provide ATM services for cash withdrawals and balance checks whenever you need them. Our drive-thru banking allows for quick deposits and withdrawals without leaving your car perfect for busy schedules! At University Of Kentucky, we're not just about transactions; we're about building relationships. Our goal is to make banking accessible and straightforward so that you can focus on what matters most in life. Ready to experience all that we have to offer? Visit us at 940 Midnight Pass Lexington Ky 40513 or call us at (859) 264-4200 today! Explore how Beaumont can be your trusted partner in achieving financial success.

Financing Your Dreams

Dreaming of a new car? Our auto loans and vehicle financing options make it simple for you to get behind the wheel without breaking the bank. With competitive rates, we help turn those dreams into reality. If you're considering buying a home, our mortgage loans and refinancing solutions are designed to guide you through the process smoothly.

Personal Banking Made Easy

We understand that managing money can sometimes feel overwhelming. That's why we offer personal banking services like checking and savings accounts that fit your lifestyle. Imagine having easy access to your funds through our online and mobile banking platforms, allowing you to check your balance or transfer money from anywhere at any time.

Rewards for Spending Wisely

If you're looking for a credit card with perks, check out our credit cards with rewards programs. Earn points on every purchase, making it easier to treat yourself while managing your spending wisely.

Support When You Need It

Life can throw unexpected challenges your way. That's where our personal loans and debt consolidation services come in handy. We provide flexible options that allow you to manage your expenses effectively, giving you peace of mind during tough times.

Digital & Online Banking

Key Features

One of the highlights of our digital services is the availability of e-statements. Say goodbye to piles of paper! With e-statements, you can receive your account statements directly in your inbox, keeping your records organized and accessible. Need to send money quickly? Our person-to-person transfer feature allows you to easily send money to friends or family using just their email address or phone number. It's simple and fast! For those who prefer mobile banking, we offer a dedicated mobile application that puts the power of banking right in your pocket. You can manage your accounts, deposit checks using your smartphone camera, and even use mobile payments for contactless transactions at participating merchants.

Security & Accessibility

Your security is our top priority. With features like electronic signature authorization, we ensure that all transactions are safe and verified. You can bank with peace of mind knowing that we use advanced security measures to protect your information. Overall, our digital and online banking services at University Of Kentucky are tailored to meet your needs with accessibility and ease-of-use in mind. Whether you're checking balances, making transfers, or enjoying the benefits of mobile payments, we're here to help you manage your finances efficiently. Experience the convenience today!

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 understand that trust is built through transparency and results, which is why we're proud to share insights into our 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. 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. 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 is robust with $21,805 in used auto loans and $1,314,648,365 in total loans and leases, supporting members' financial goals across various sectors. Our operational efficiency is reflected in our $2,248,186, 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. With net shares available for lending and investments at $2,179,688, our financial strength means we can continue serving you with confidence. Total Share and Deposit Accounts stand at 195,790, 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 940 Midnight Pass Lexington Ky 40513 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 interested in financing a brand-new model or a reliable pre-owned vehicle, our flexible terms can accommodate your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $104,152,502 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to improve your existing operations, we have loan options tailored to meet your business needs.

Credit Lines

We also offer credit lines with a total amount of $555,962,743, giving you easy access to funds whenever necessary. This flexibility can be crucial for managing cash flow and unexpected expenses. At University Of Kentucky, we're committed to providing clear options and support for all your borrowing needs. You can find us at 940 Midnight Pass Lexington Ky 40513, Lexington, KY, or give us a call at (859) 264-4200 to learn more about how our loan products can benefit you. 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 exploring options, we're here to guide you every step of the way!

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 also provide competitive rates for refinancing your current mortgage, which could save you money over time.

Unsecured Credit Cards

Managing everyday expenses is easier with our credit card solutions. We offer flexible terms on unsecured credit card loans, with a total of $31,554,897 in loans helping members manage their finances effectively. Enjoy the convenience of having credit available for emergencies or everyday purchases without the need for collateral.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. By using LendMesh, you can confidently explore your options and make informed decisions about your financial future. LendMesh ensures accurate loan comparisons by sourcing loan data 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 transparency guarantees that you receive fair and reliable offers tailored to your needs. One of the key benefits of using LendMesh is its focus on verified data. All loan offers come from legitimate financial institutions, ensuring complete transparency in the comparison process. Additionally, LendMesh does not feature any sponsored listings. This means lenders are not prioritized based on paid promotions; instead, the goal is to provide unbiased results that truly reflect available options. Another significant advantage of LendMesh is its real-time rate comparisons. Users can access up-to-date loan rates from multiple institutions, allowing them to assess their choices effectively. This feature empowers users to make informed decisions without feeling rushed or pressured into a choice. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Testimonials like this highlight how LendMesh adds value to users' financial journeys. 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.*

UNIVERSITY OF KENTUCKY FEDERAL CREDIT UNION - Lexington, KY

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

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