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 University of Kentucky Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 5, 2026
University of Kentucky Federal Credit Union's savings rates are at 0.10%. University of Kentucky Federal Credit Union's money market rates are at 0.60%. MonitorBankRates evaluates the financial stability of University of Kentucky Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.63%. Rates were last updated on 04/05/2026. University of Kentucky Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at University of Kentucky Federal Credit Union? Share your experience about University of Kentucky Federal Credit Union by leaving a review below, or read customer reviews before you decide to use University of Kentucky Federal Credit Union. University of Kentucky Federal Credit Union
Corporate Offices 1730 Alysheba Way
https://www.ukfcu.org Lexington, KY 40509 
University of Kentucky Federal Credit Union Savings Rates
University of Kentucky Federal Credit Union Money Market Rates
University of Kentucky Federal Credit Union Mortgage Rates
University of Kentucky Federal Credit Union Home Equity & HELOC
University of Kentucky Federal Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for University of Kentucky Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather University of Kentucky Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with University of Kentucky Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
University of Kentucky Federal Credit Union
Website
https://www.ukfcu.org
Address
1730 Alysheba Way,
Lexington, KY 40509
Phone
859-264-4200
Fax
859-264-4208
President
Joseph (Tyler) Gayheart
CEO
Ryan Ross
Full-Time Employees
278
Part-Time Employees
23
Branch Locations
8
ATM Locations
8
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.63%
Return on Assets (ROA)
0.5673%
Return on Equity (ROE)
4.9973%
Non-Performing Loans Ratio (NPL)
1.03%
Total Assets
1,586,333,594
Total Amount of Shares and Deposits
1,246,918,729
Total Shares and Deposits < 1 Year
1,222,848,330
Total Shares and Deposits 1 3 Years
17,312,117
Total Shares and Deposits > 3 Years
6,758,282
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
57,543,950
Total Uninsured Shares and Deposits > $250K (F+J)
57,791,950
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,189,126,779
Total Interest Expense (Sum of items 6 8)
25,466,553
Share Certificates
10,142
Number of Accounts for Share Drafts
56,384
IRA KEOGH Accounts
2,300
Number of Accounts for Regular Shares
124,833
All other shares
74
Non Member Deposits
5
Money Market Shares
10,874
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
147,638,486
Total Liabilities
1,407,333,476
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About University of Kentucky Federal Credit UnionIs University of Kentucky Federal Credit Union a safe place to deposit money?Yes, University of Kentucky Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 7.6299433204832%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does University of Kentucky Federal Credit Union operate?University of Kentucky Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join University of Kentucky Federal Credit Union?Yes, to access services at University of Kentucky Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, University of Kentucky Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, University of Kentucky Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does University of Kentucky Federal Credit Union offer online and mobile banking?Most modern institutions like University of Kentucky Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.ukfcu.org. Current University of Kentucky Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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