What are the current interest rates at University of Kentucky Federal Credit Union?

Current rates for University of Kentucky Federal Credit Union include: 12-Month CD: 2.00%, 18-Month CD: 2.00%, 24-Month CD: 2.00%, 60-Month CD: 2.60%, Savings: 4.00%, MMA: 4.07%

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University of Kentucky Federal Credit Union

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University of Kentucky Federal Credit Union Rates & Review October 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 5, 2026

University of Kentucky Federal Credit Union's top rates as of October 5, 2026 are 5.00% APY on its 9 month (Northern Kentucky Special) CD, 4.00% APY on savings, 4.07% APY on money market accounts, 0.25% APY on checking, personal loans from 11.49% APR, and credit cards from 10.99% APR, according to rates verified by MonitorBankRates. Other University of Kentucky Federal Credit Union CD rates include IRA CD Accounts - 9 month (Northern Kentucky Special) at 5.00%, 5 month Special CD at 4.25%, and 5 Year CD Accounts at 2.60%. 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 6.97%. Rates last updated and verified on 10/05/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.97%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

University of Kentucky Federal Credit Union
Corporate Offices

1730 Alysheba Way
Lexington, KY 40509

https://www.ukfcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

University of Kentucky Federal Credit Union CD Rates

Product	Rate	APY	Term
9 month (Northern Kentucky Special) Certificate	4.89%	5.00%	9 Months
Min Balance $1,000 Details **** Last Updated 10/05/2026 Rate History No change since Sep 21, 2026 · 5.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
IRA Certificate Accounts - 9 month (Northern Kentucky Special)	4.89%	5.00%	9 Months
Min Balance $1,000 Details TruBlue Rate: 4.89%, TruBlue APY: 5.00% Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 5.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
5 month Special Certificate	4.17%	4.25%	5 Months
Min Balance $1,000 Details *** Last Updated 10/05/2026 Rate History No change since Sep 21, 2026 · 4.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
5 Year Certificate Accounts	2.57%	2.60%	5 Years
Min Balance $1,000 Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 2.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
IRA Certificate Accounts - 5 Years	2.57%	2.60%	5 Years
Min Balance $1,000 Details TruBlue Rate: 2.81%, TruBlue APY: 2.85% Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 2.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
4 Year Certificate Accounts	2.47%	2.50%	4 Years
Min Balance $1,000 Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
IRA Certificate Accounts - 4 Years	2.47%	2.50%	4 Years
Min Balance $1,000 Details TruBlue Rate: 2.71%, TruBlue APY: 2.75% Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
3 Year Certificate Accounts	2.23%	2.25%	3 Years
Min Balance $1,000 Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
IRA Certificate Accounts - 3 Years	2.23%	2.25%	3 Years
Min Balance $1,000 Details TruBlue Rate: 2.47%, TruBlue APY: 2.50% Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
1 Year Certificate Accounts	1.98%	2.00%	1 Year
Min Balance $1,000 Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
18 Month Certificate Accounts	1.98%	2.00%	18 Months
Min Balance $1,000 Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
2 Year Certificate Accounts	1.98%	2.00%	2 Years
Min Balance $1,000 Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
IRA Certificate Accounts - 1 Year	1.98%	2.00%	1 Year
Min Balance $1,000 Details TruBlue Rate: 2.23%, TruBlue APY: 2.25% Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
IRA Certificate Accounts - 18 month	1.98%	2.00%	18 Months
Min Balance $1,000 Details TruBlue Rate: 2.23%, TruBlue APY: 2.25% Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
IRA Certificate Accounts - 2 Years	1.98%	2.00%	2 Years
Min Balance $1,000 Details TruBlue Rate: 2.23%, TruBlue APY: 2.25% Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
6 Month Certificate Accounts	1.49%	1.50%	6 Months
Min Balance $1,000 Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
IRA Certificate Accounts - 6 month	1.49%	1.50%	6 Months
Min Balance $1,000 Details TruBlue Rate: 1.74%, TruBlue APY: 1.75% Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
3 Month Certificate Accounts	0.25%	0.25%	3 Months
Min Balance $1,000 Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%

University of Kentucky Federal Credit Union Savings Rates

Product	Rate	APY
High Yield Savings Account	3.93%	4.00%
Min Balance $0 Details Balance: $0.00 - $25,000 Last Updated 10/05/2026 Rate History No change since Sep 21, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
High Yield Savings Account	-	4.00%
Min Deposit $1,000 Min Balance $0 Details Balance: $0 to $25,000; Rates are current as of 1.2.25. Membership eligibility required. HYSAs are tiered-rate accounts. Tier 1 - $0 to $25,000 (4.00% APY); Tier 2 - $25,000.01 to $50,000 (0.50% APY); Tier 3 - $50,000.01 to $100,000 (0.75% APY); Tier 4 - $100,000.01 to $250,000 (1.00% APY) and; Tier 5 - $250,000.01+ (1.50% APY). HYSAs are blended-rate accounts, with only the amounts falling within each tier being eligible for applicable APY. Resulting APY ranges for each tier are: Tier 1 - 4.00%; Tier 2: 2.25% to 3.99%; Tier 3: 1.50% to 2.24%; Tier 4 - 1.20% to 1.49% and; Tier 5: Up to 1.49%. Fees may reduce earnings. Rates may change after an account has been opened. Limit of one HYSA per primary member's Social Security Number. Please see a representative for additional details, other restrictions may apply. Federally insured by NCUA. Last Updated 10/05/2026 Rate History No change since Sep 21, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
High Yield Savings Account	1.49%	1.50%
Min Balance $250,000 Details Balance: $250,000.01+ Last Updated 10/05/2026 Rate History No change since Sep 21, 2026 · 1.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
High Yield Savings Account	-	1.50%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000.01+; Rates are current as of 1.2.25. Membership eligibility required. HYSAs are tiered-rate accounts. Tier 1 - $0 to $25,000 (4.00% APY); Tier 2 - $25,000.01 to $50,000 (0.50% APY); Tier 3 - $50,000.01 to $100,000 (0.75% APY); Tier 4 - $100,000.01 to $250,000 (1.00% APY) and; Tier 5 - $250,000.01+ (1.50% APY). HYSAs are blended-rate accounts, with only the amounts falling within each tier being eligible for applicable APY. Resulting APY ranges for each tier are: Tier 1 - 4.00%; Tier 2: 2.25% to 3.99%; Tier 3: 1.50% to 2.24%; Tier 4 - 1.20% to 1.49% and; Tier 5: Up to 1.49%. Fees may reduce earnings. Rates may change after an account has been opened. Limit of one HYSA per primary member's Social Security Number. Please see a representative for additional details, other restrictions may apply. Federally insured by NCUA. Last Updated 10/05/2026 Rate History No change since Sep 21, 2026 · 1.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
High Yield Savings Account	1.00%	1.00%
Min Balance $100,000 Details Balance: $100,000.01 - $250,000 Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
High Yield Savings Account	-	1.00%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.01 to $250,000; Rates are current as of 1.2.25. Membership eligibility required. HYSAs are tiered-rate accounts. Tier 1 - $0 to $25,000 (4.00% APY); Tier 2 - $25,000.01 to $50,000 (0.50% APY); Tier 3 - $50,000.01 to $100,000 (0.75% APY); Tier 4 - $100,000.01 to $250,000 (1.00% APY) and; Tier 5 - $250,000.01+ (1.50% APY). HYSAs are blended-rate accounts, with only the amounts falling within each tier being eligible for applicable APY. Resulting APY ranges for each tier are: Tier 1 - 4.00%; Tier 2: 2.25% to 3.99%; Tier 3: 1.50% to 2.24%; Tier 4 - 1.20% to 1.49% and; Tier 5: Up to 1.49%. Fees may reduce earnings. Rates may change after an account has been opened. Limit of one HYSA per primary member's Social Security Number. Please see a representative for additional details, other restrictions may apply. Federally insured by NCUA. Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
High Yield Savings Account	0.75%	0.75%
Min Balance $50,000 Details Balance: $50,000.01 - $100,000 Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
High Yield Savings Account	-	0.75%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.01 to $100,000; Rates are current as of 1.2.25. Membership eligibility required. HYSAs are tiered-rate accounts. Tier 1 - $0 to $25,000 (4.00% APY); Tier 2 - $25,000.01 to $50,000 (0.50% APY); Tier 3 - $50,000.01 to $100,000 (0.75% APY); Tier 4 - $100,000.01 to $250,000 (1.00% APY) and; Tier 5 - $250,000.01+ (1.50% APY). HYSAs are blended-rate accounts, with only the amounts falling within each tier being eligible for applicable APY. Resulting APY ranges for each tier are: Tier 1 - 4.00%; Tier 2: 2.25% to 3.99%; Tier 3: 1.50% to 2.24%; Tier 4 - 1.20% to 1.49% and; Tier 5: Up to 1.49%. Fees may reduce earnings. Rates may change after an account has been opened. Limit of one HYSA per primary member's Social Security Number. Please see a representative for additional details, other restrictions may apply. Federally insured by NCUA. Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
High Yield Savings Account	0.50%	0.50%
Min Balance $25,000 Details Balance: $25,000.01 - $50,000 Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
High Yield Savings Account	-	0.50%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.01 to $50,000; Rates are current as of 1.2.25. Membership eligibility required. HYSAs are tiered-rate accounts. Tier 1 - $0 to $25,000 (4.00% APY); Tier 2 - $25,000.01 to $50,000 (0.50% APY); Tier 3 - $50,000.01 to $100,000 (0.75% APY); Tier 4 - $100,000.01 to $250,000 (1.00% APY) and; Tier 5 - $250,000.01+ (1.50% APY). HYSAs are blended-rate accounts, with only the amounts falling within each tier being eligible for applicable APY. Resulting APY ranges for each tier are: Tier 1 - 4.00%; Tier 2: 2.25% to 3.99%; Tier 3: 1.50% to 2.24%; Tier 4 - 1.20% to 1.49% and; Tier 5: Up to 1.49%. Fees may reduce earnings. Rates may change after an account has been opened. Limit of one HYSA per primary member's Social Security Number. Please see a representative for additional details, other restrictions may apply. Federally insured by NCUA. Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
Club Savings	0.08%	0.10%
Min Balance $0 Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
IRA Savings	0.08%	0.10%
Min Balance $0 Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%

University of Kentucky Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	1.24%	1.25%
Min Balance $100,000 Details Balance: $100,000 + Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
Money Market Account	1.14%	1.15%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 1.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
Money Market Account	1.00%	1.00%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
Money Market Account	0.70%	0.70%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
Money Market Account	0.60%	0.60%
Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
Money Market Account	-	0.50%
Min Balance $1,000 Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 0.60% → 0.50% ▼ 0.10 pts · high 0.60% / low 0.50% Oct 5, 20260.50%▼ from 0.60% Sep 14, 20260.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%

University of Kentucky Federal Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market Account	4.00%	4.07%
Min Balance $500,000 Details Balance: $500,000+ Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 3.74% → 4.07% ▲ 0.33 pts · high 4.07% / low 3.74% Oct 5, 20264.07%▲ from 3.74% Sep 14, 20263.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
Business Money Market Account	3.76%	3.82%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 3.49% → 3.82% ▲ 0.33 pts · high 3.82% / low 3.49% Oct 5, 20263.82%▲ from 3.49% Sep 14, 20263.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
Business Money Market Account	3.51%	3.57%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 3.24% → 3.57% ▲ 0.33 pts · high 3.57% / low 3.24% Oct 5, 20263.57%▲ from 3.24% Sep 14, 20263.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
Business Money Market Account	3.27%	3.32%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/05/2026 Rate History 1 change since Sep 21, 2026 · 2.99% → 3.32% ▲ 0.33 pts · high 3.32% / low 2.99% Oct 5, 20263.32%▲ from 2.99% Sep 21, 20262.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
Business Money Market Account	2.78%	2.82%
Min Balance $1,000 Details Balance: $1,000 - $49,999.99 Last Updated 10/05/2026 Rate History 1 change since Sep 21, 2026 · 2.49% → 2.82% ▲ 0.33 pts · high 2.82% / low 2.49% Oct 5, 20262.82%▲ from 2.49% Sep 21, 20262.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%

University of Kentucky Federal Credit Union Checking Rates

Product	Rate	APY	View More
BlueVantage Checking	0.25%	0.25%
Min Balance $1,500 Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%

University of Kentucky Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Line of Credit (HELOC)	-	-	6.00%
Details As low as Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 5.75% → 6.00% ▲ 0.25 pts · high 6.00% / low 5.75% Sep 21, 20266.00%▲ from 5.75% Sep 14, 20265.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
Fixed Home Equity Loan	-	-	7.74%
Details As low as Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%

University of Kentucky Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New/Used Vehicle - Terms 36 Months or Less Loan	-	-	3.99%	36 Months
Details As low as; * Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 3.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
New/Used Vehicle - Terms 37 to 66 Months Loan	-	-	4.99%	37 to 66 Months
Details As low as; * Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
New/Used Vehicle - Terms 67 to 75 Months Loan	-	-	5.49%	67 to 75 Months
Details As low as; * Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
New/Used Vehicle - Terms 76 to 84 Months Loan	-	-	6.24%	76 to 84 Months
Details As low as; * Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
New/Used Vehicle - Terms 85 to 89 Months Loan	-	-	6.74%	85 to 89 Months
Details As low as; * Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%

University of Kentucky Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New/Used Boat/Jet Ski/RV - 84 months or less Loan	-	6.99%	84 months
Details As low as; ** Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
New/Used Boat/Jet Ski/RV - 85 months or greater Loan	-	7.74%	85 months
Details As low as; ** Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
New/Used Motorcycle Loan	-	7.74%
Details As low as; ** Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
New/Used ATV/UTV Loan	-	8.24%
Details As low as; ** Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%

University of Kentucky Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum	-	10.99%
Details As low as Prime + 3.99% APR* Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 10.74% → 10.99% ▲ 0.25 pts · high 10.99% / low 10.74% Sep 21, 202610.99%▲ from 10.74% Sep 14, 202610.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
Visa Signature Card	-	13.49%
Details As low as Prime + 6.49% APR* Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 13.24% → 13.49% ▲ 0.25 pts · high 13.49% / low 13.24% Sep 21, 202613.49%▲ from 13.24% Sep 14, 202613.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%

University of Kentucky Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature/Unsecured Loan	11.49%
Details As low as; APR* Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 11.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
Visa Signature Card	13.49%
Details As low as Prime + 6.49% APR* Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 13.24% → 13.49% ▲ 0.25 pts · high 13.49% / low 13.24% Sep 21, 202613.49%▲ from 13.24% Sep 14, 202613.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%

University of Kentucky Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Home Loan	-	-	6.00%	30 Year Fixed
Details Annual Percentage Rate. All rates are subject to credit approval, terms and subject to change without notice. Rates are effective as of 12/19/24. Last Updated 10/05/2026 Rate History No change since Oct 5, 2026 · 6.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
Vacation Loan	-	-	9.99%
Details As low as; APR* Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
Prime Share	0.05%	-	0.05%
Min Balance $100 Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%
Senior Share	0.08%	-	0.10%
Min Balance $100 Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.97%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

University of Kentucky Federal Credit Union’s Texas Ratio rose from 3.99% in Q3 2023 to 6.97% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.8B	6.97%	5.0	A
March 31, 2026	$1.7B	6.36%	5.0	A
December 31, 2025	$1.6B	5.97%	5.0	A+
September 30, 2025	$1.6B	7.03%	5.0	A
June 30, 2025	$1.5B	4.85%	5.0	A+
March 31, 2025	$1.6B	4.77%	5.0	A+
December 31, 2024	$1.6B	5.16%	5.0	A+
September 30, 2024	$1.6B	5.40%	5.0	A+
June 30, 2024	$1.5B	4.66%	5.0	A+
March 31, 2024	$1.5B	4.00%	5.0	A+
December 31, 2023	$1.5B	4.36%	5.0	A+
September 30, 2023	$1.5B	3.99%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 Angela Lang

CEO Ryan Ross

Full-Time Employees 285

Part-Time Employees 25

Branch Locations 8

ATM Locations 7

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.97%

Return on Assets (ROA)

0.1420%

Return on Equity (ROE)

1.3022%

Non-Performing Loans Ratio (NPL)

0.97%

Total Assets

1,794,262,815

Total Amount of Shares and Deposits

1,387,393,636

Total Shares and Deposits < 1 Year

1,358,962,313

Total Shares and Deposits 1 3 Years

21,752,370

Total Shares and Deposits > 3 Years

6,678,952

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

130,699,364

Total Uninsured Shares and Deposits > $250K (F+J)

130,699,364

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,256,694,272

Total Interest Expense (Sum of items 6 8)

18,146,742

Share Certificates

9,423

Number of Accounts for Share Drafts

62,587

IRA KEOGH Accounts

2,404

Number of Accounts for Regular Shares

141,448

All other shares

Non Member Deposits

Money Market Shares

10,579

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

145,915,401

Total Liabilities

1,597,985,673

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

University of Kentucky Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About University of Kentucky Federal Credit Union

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

12-Month CD2.00%
18-Month CD2.00%
24-Month CD2.00%
60-Month CD2.60%
Savings4.00%
MMA4.07%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

University of Kentucky Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

University of Kentucky Federal Credit Union Texas Ratio

University of Kentucky Federal Credit Union Health Trend

University of Kentucky Federal Credit Union CD Rates

University of Kentucky Federal Credit Union Savings Rates

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

University of Kentucky Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About University of Kentucky Federal Credit Union

How many branches does University of Kentucky Federal Credit Union operate?

Is a member application needed to join University of Kentucky Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does University of Kentucky Federal Credit Union offer online and mobile banking?

Current University of Kentucky Federal Credit Union Rates

Compare to Other Credit Unions