University of Kentucky Credit Union Lexington KY | Affordable Auto Loans & Business Banking

Introduction

At University Of Kentucky, we pride ourselves on being more than just a financial institution; we are a trusted partner in your journey toward financial success. Located at 689 Wilson Downing Rd, Lexington, KY 40517, our Tates Creek Branch has been serving the community since 1937. With a commitment to providing personalized service and reliable financial products, we have grown to support over 108,428 members and manage total assets of approximately $1.56 billion. Our branch is not only equipped to handle your banking needs with services like checking and savings accounts, auto loans, and mortgage refinancing, but we also prioritize the community's well-being. With a strong net worth of $170,139,517 and total deposits reaching $142,378,657, you can trust that your finances are in capable hands. Additionally, our dedicated team of 268 employees, led by CEO Ryan Ross and Board President Joseph (Tyler) Gayheart, is always ready to assist you. While members can visit us at 689 Wilson Downing Rd, official correspondence should be sent to the same address. Whether you're looking for a loan or simply want to open an account, we invite you to reach out by calling us at 859-264-4200 or visiting our website at ukfcu.org. We look forward to helping you achieve your financial goals!

Branch History & Mission

The University of Kentucky branch has a rich history that dates back to its founding in 1937. Located at 689 Wilson Downing Rd, Lexington, KY, this branch has grown alongside the community it serves, evolving to meet the needs of its members over the decades. With a commitment to providing exceptional financial services, we have nurtured a sense of belonging and trust among our members, which has led to an impressive total membership of 108,428. Since our inception, we have focused on creating a supportive environment for individuals and families alike. Our mission is clear: to enhance the financial well-being of our members by offering quality products and services while actively contributing to community development. We believe that by empowering our members financially, we can help build a stronger community. As part of the University of Kentucky Federal Credit Union family, we strive for excellence in all we do. Our total assets now stand at an impressive $1,556,750,860, reflecting our ability to grow while ensuring stability and security for our members' finances. We offer a wide range of services including personal banking accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions all designed with our members' needs in mind. While members can visit us at 689 Wilson Downing Rd Lexington Ky 40517, official correspondence should be sent to 689 Wilson Downing Road, Lexington, KY 40517-1961. We are proud to provide convenient service options including ATM availability and drive-thru banking for those who prefer face-to-face interactions without leaving their vehicles. At the heart of our operations is a dedication to innovation and accessibility. Our digital advancements ensure that you can manage your finances easily through online and mobile banking platforms. Additionally, we prioritize ADA compliance so that all members can access our services comfortably. Community engagement is vital to who we are. We actively seek partnerships and outreach programs that benefit local organizations and initiatives. This commitment not only enhances our connection with the community but also enriches the lives of those around us. We invite you to join the University of Kentucky branch and experience firsthand how we can support your financial journey. Together, let's build a brighter future for you and your community! If you're ready to take the next step or want more information about becoming a member, please reach out at 859-264-4200 or visit us online at ukfcu.org. Your future starts here!

Branch Location & Accessibility

Welcome to the University Of Kentucky's Tates Creek Branch, conveniently located at 689 Wilson Downing Rd in Lexington, KY. Our branch is nestled in a vibrant area close to several local landmarks, making it easy for you to stop by and take care of your banking needs. Whether you're visiting nearby shopping centers or enjoying the beautiful parks of Fayette County, we're just a short drive away. At our Tates Creek Branch, we prioritize accessibility for all members. We offer ample parking and ADA-compliant features, including ramps for those who need them. You can easily access our drive-thru service for quick transactions without leaving your vehicle, which is perfect for busy days. Our operating hours are designed with your schedule in mind. 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., so you can find a time that works for you. If you ever have questions or need assistance, don't hesitate to reach out at 859-264-4200. Additionally, we provide convenient ATM services right at our location, allowing you to withdraw cash or check your balance anytime during business hours. While members can visit us at 689 Wilson Downing Rd, official correspondence should be sent to our mailing address at 689 Wilson Downing Road, Lexington, KY 40517-1961. We invite you to come see us at the University Of Kentucky Tates Creek Branch! Our friendly staff is eager to assist you with personal banking services like checking and savings accounts, auto loans, mortgages, and more. Don't wait stop by today or give us a call!

Member Eligibility

At University Of Kentucky, we believe that everyone deserves access to financial resources in a welcoming environment. Joining our community is simple and rewarding! If you're a student, employee, or family member of the University of Kentucky, you're already eligible for membership. We also welcome anyone who lives, works, or worships in our local area. This means that becoming a part of our credit union is not just about banking; it's about connecting with a supportive network that truly cares about your financial well-being. To learn more about eligibility requirements and see if you qualify, feel free to check out our detailed information at http://www.ukfcu.org/join/become-a-member. Once you're ready to take the next step, opening an account with us is quick and easy! You can find all the necessary details for account opening at https://secure.ukfcu.org/ukfcuonlinebanking/sdk/autoenrollmente2e/forgotlogin. If you have any questions or need assistance, don't hesitate to reach out to us at (859) 264-4200. We look forward to welcoming you to University Of Kentucky, located at 689 Wilson Downing Rd Lexington Ky 40517, where your financial journey begins!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, we offer comprehensive merchant services that simplify payment processing for your business. Imagine being able to accept payments quickly and securely, whether you're at a brick-and-mortar location or selling online. Our services ensure you can focus on what matters most growing your business. Located at 689 Wilson Downing Rd Lexington Ky 40517 in Lexington, KY, we're here to provide the financial tools you need to succeed. Contact us at (859) 264-4200 to explore how we can help your business flourish!

Tailored 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.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about getting a new car? Our auto loans and vehicle financing options make it simple for you to drive away in your dream vehicle. With competitive rates and flexible terms, we're here to support your journey on the road.

Business Banking

For our entrepreneurial members, we offer business banking services including merchant services and business loans. Whether you're starting a new venture or looking to expand an existing one, we're committed to supporting your business goals every step of the way.

Convenient Access

Accessing your accounts has never been easier with our online and mobile banking platforms. You can also use our ATMs for cash withdrawals or balance checks anytime you need them. For those who prefer face-to-face interactions, our drive-thru service allows for quick deposits and withdrawals without leaving your vehicle. Whether you're stopping by our branch at 689 Wilson Downing Rd Lexington Ky 40517 or visiting us online at Tates Creek Branch, our commitment is to serve you better. If you have any questions or need 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. Explore all that University Of Kentucky has to offer today! Your financial wellness is just a conversation away let's connect!

Mortgage Loans & Refinancing

Buying a home is one of the biggest decisions you'll make. At University Of Kentucky, we offer mortgage loans with favorable rates to help turn your dream home into reality. If you're considering refinancing, our team can guide you through the process and help you find the best solution for your current situation.

Personal Banking

Our personal banking services include checking and savings accounts that suit various lifestyles. Imagine being able to manage your money effortlessly with online and mobile banking at your fingertips. You can check balances, transfer funds, and even pay bills from anywhere. Plus, our credit cards come with rewards that let you earn while you spend.

Personal Loans & Debt Consolidation

We understand that life can throw unexpected expenses your way. Our personal loans are designed to provide quick access to cash when you need it most. Additionally, if debt is weighing you down, consider our debt consolidation options that can simplify your payments and potentially lower your interest rates.

Digital & Online Banking

Key Features of Our Digital Services

With 24/7 online banking, you can check your balances, pay bills, and transfer money whenever it suits you. Whether you're at home or on the go, you can manage your accounts in real-time. Plus, our mobile application makes it even easier to bank from anywhere. Security is a top priority for us. We provide electronic signature authorization, so you can sign documents securely without needing to visit a branch. This means less hassle for you and more time to focus on what matters. If you're environmentally conscious or simply want to simplify your life, you'll love our e-statements. These are available at no extra cost and allow you to receive your financial statements digitally, reducing paper waste while keeping everything organized. Need to send money quickly? Our person-to-person transfer feature lets you send funds directly to friends and family with just a few taps on your phone. And if you're someone who loves the convenience of mobile payments, we've got you covered there too! With our mobile payments feature, making transactions has never been easier. In summary, University Of Kentucky is committed to providing its members with user-friendly digital banking solutions that prioritize convenience and security. Enjoy the freedom of managing your finances from anywhere just another way we make banking better for you!

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 highlight our strong financial position, which reflects our commitment to serving you well. 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. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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, we support your financial goals across various sectors. Our operational efficiency shines through with a net income of $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. Net Shares (Funds available for lending and investments): $2,179,688. Total Share and Deposit Accounts: 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 689 Wilson Downing Rd Lexington Ky 40517 or call (859) 264-4200 to learn more about how we can help you achieve your financial goals.

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, our team is ready to assist you through every step of the process.

Business Loans

For business owners, our outstanding commercial loans totaling $104,152,502 provide the capital needed to grow and expand. We are committed to supporting local businesses by offering tailored solutions that cater to unique needs.

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 personalized support to help you understand your options and find the right mortgage for your needs.

Refinancing Options

If you're considering refinancing your current loans, we have options available that could lower your interest rates and monthly payments. Our team is here to evaluate your situation and help you find the best path forward. You can reach us at (859) 264-4200, or visit us at 689 Wilson Downing Rd Lexington Ky 40517, Lexington, KY for more information about our loan products. Let us help you take the next step towards achieving your financial dreams! Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Unsecured Credit Card 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. With our credit cards, you can enjoy rewards and benefits while keeping your spending within budget.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that the information they see reflects actual available rates. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means you see all your options without any hidden agendas. - Real-Time Rate Comparisons: The platform provides up-to-date loan rates from multiple institutions, helping users make informed decisions quickly. With constantly refreshed data, you won't miss out on competitive offers. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials reflect the positive impact of using a reliable comparison tool. 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.*

Ensuring Accurate Loan Comparisons

LendMesh takes pride in the accuracy of its loan comparisons. Loan data on LendMesh is sourced 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 ensures that users receive fair and transparent offers that they can rely on.

UNIVERSITY OF KENTUCKY FEDERAL CREDIT UNION - Lexington, KY

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

Compare Loan Rates Near You

Loan rates in Lexington, KY (40517)