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KUE Federal Credit Union Rates & Review September 2026

KUE Federal Credit Union's 6 Month CDs of Deposit (CDs) - Share, Traditional IRA, Roth IRA, and Educ IRA rates are at 4.00%, 6 Month CDs of Deposit (CDs) - Share, Traditional IRA, Roth IRA, and Educ IRA rates are at 4.00%, 6 Month Traditional CD rates are at 4.00%, 5 Year CDs of Deposit (CDs) - Share, Traditional IRA, Roth IRA, and Educ IRA rates are at 2.90%, 5 Year CDs of Deposit (CDs) - Share, Traditional IRA, Roth IRA, and Educ IRA rates are at 2.90%. KUE Federal Credit Union's savings rates are at 0.20%. KUE Federal Credit Union's Personal Loan Rates are as low as 8.75%. KUE Federal Credit Union's Credit Card Rates are at 9.90%. MonitorBankRates evaluates the financial stability of KUE Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.83%. Rates last updated and verified on 09/21/2026.

KUE 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 KUE Federal Credit Union? Share your experience about KUE Federal Credit Union by leaving a review below, or read customer reviews before you decide to use KUE Federal Credit Union.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
3.83%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
KUE Federal Credit Union
Main Office
1 Quality St
Lexington, KY 40507-1428
https://www.kuefcu.com
Member NCUA

KUE Federal Credit Union CD Rates

Product Rate APY Term View More
6 Month Certificates of Deposit (CDs) - Share, Traditional IRA, Roth IRA, and Educ IRA 3.96% 4.00% 6 Month
Min Balance $1,000
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%
6 Month Certificates of Deposit (CDs) - Share, Traditional IRA, Roth IRA, and Educ IRA 3.96% 4.00% 6 Month
Min Deposit $1,000
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%
6 Month Traditional Share Certificate 3.96% 4.00% 6 Month
Min Balance $1,000
Details Certificates of Deposit (CDs) - Share, Traditional IRA, Roth IRA, and Educ IRA
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%
5 Year Certificates of Deposit (CDs) - Share, Traditional IRA, Roth IRA, and Educ IRA 2.86% 2.90% 5 Years **
Min Balance $1,000
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%
5 Year Certificates of Deposit (CDs) - Share, Traditional IRA, Roth IRA, and Educ IRA 2.86% 2.90% 5 Years **
Min Deposit $1,000
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%
5 Year Traditional Share Certificate 2.86% 2.90% 5 Years **
Min Balance $1,000
Details Certificates of Deposit (CDs) - Share, Traditional IRA, Roth IRA, and Educ IRA
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%
3 Year Certificates of Deposit (CDs) - Share, Traditional IRA, Roth IRA, and Educ IRA 2.77% 2.80% 3 Years **
Min Balance $1,000
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%
3 Year Certificates of Deposit (CDs) - Share, Traditional IRA, Roth IRA, and Educ IRA 2.77% 2.80% 3 Years **
Min Deposit $1,000
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%
3 Year Traditional Share Certificate 2.77% 2.80% 3 Years **
Min Balance $1,000
Details Certificates of Deposit (CDs) - Share, Traditional IRA, Roth IRA, and Educ IRA
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%
2 Year Certificates of Deposit (CDs) - Share, Traditional IRA, Roth IRA, and Educ IRA 2.47% 2.50% 2 Years
Min Balance $1,000
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%
2 Year Certificates of Deposit (CDs) - Share, Traditional IRA, Roth IRA, and Educ IRA 2.47% 2.50% 2 Years
Min Deposit $1,000
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%
2 Year Traditional Share Certificate 2.47% 2.50% 2 Years
Min Balance $1,000
Details Certificates of Deposit (CDs) - Share, Traditional IRA, Roth IRA, and Educ IRA
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%
1 Year Certificates of Deposit (CDs) - Share, Traditional IRA, Roth IRA, and Educ IRA 2.37% 2.40% 1 Year
Min Balance $1,000
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%
1 Year Certificates of Deposit (CDs) - Share, Traditional IRA, Roth IRA, and Educ IRA 2.37% 2.40% 1 Year
Min Deposit $1,000
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%
1 Year Traditional Share Certificate 2.37% 2.40% 1 Year
Min Balance $1,000
Details Certificates of Deposit (CDs) - Share, Traditional IRA, Roth IRA, and Educ IRA
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%

KUE Federal Credit Union Savings Rates

Product Rate APY View More
Kids Club/Youth Account 2.00% 2.00%
Min Balance $5
Details Balance: $5.00 - $1,500.00
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%
Kids Club/Youth Account 0.25% 0.25%
Min Balance $1,500
Details Balance: $1,500.01 and over
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%
Christmas Club Accounts 0.20% 0.20%
Min Balance $5
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%
Youth Savings 0.20% 0.20%
Min Balance $5
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%

KUE Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Fixed Rate with Fixed Terms - - 5.75% Up to 10 years
Details As low as
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%
Home Equity Loan - - 5.75% Up to 10 years
Details As low as; Fixed Rate with Fixed Terms
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%

KUE Federal Credit Union Credit Card Rates

Product Rate APR View More
Visa Platinum - 9.90%
Details As low as
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%

KUE Federal Credit Union Personal Loan Rates

Product APR Term View More
Unsecured Loan 8.75% 24 months
Details As Low As
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%
Unsecured Loan 9.75% 36 months
Details As Low As
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%

KUE Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
New Loan - - 4.75% Up to 48 months
Details As low as
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%
New Loan - - 5.50% 49 to 60 months
Details As low as
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%
Education IRA Shares 0.20% - 0.20%
Min Balance $0
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%
Kasasa Cash Checking 3.93% - 4.00%
Min Balance $0
Details Qualifications Required: Monthly Direct Deposit/ACH credit; enrollment in online banking; enrollment in eStatements; As Low As; APY on balances up to $10,000; APY on balances over $10,000 is 0.25%; APY if qualifications aren't met is 0.01%; Reimbursements up to an aggregate total of $20.00 for nationwide ATM withdrawal fees incurred; APY calculations are based on an assumed balance of $10,000.00 + $100,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%
Kasasa Cash Checking 4.00% - 4.00%
Min Balance $5
Details Balance: $5.00 - Monthly
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%
Kasasa Cash Checking 0.25% - 0.25%
Min Balance $10,000
Details Balance: $10,000.01 - Monthly
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%
Kasasa Saver Christmas Club Accounts Savings 0.20% - 0.20%
Min Balance $5
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%
Kasasa Saver Education IRA Shares Savings 0.20% - 0.20%
Min Balance $0
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%
Kasasa Saver Kids Club/Youth Account Savings 2.00% - 2.00%
Min Balance $5
Details Balance: $5.00 - $1,500.00
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%
Kasasa Saver Kids Club/Youth Account Savings 0.25% - 0.25%
Min Balance $1,500
Details Balance: $1,500.01 and over
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%
Kasasa Saver Regular Shares Savings 0.20% - 0.20%
Min Balance $5
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%
Kasasa Saver Regular Shares Savings 0.80% - 0.80%
Min Balance $20,000
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%
Kasasa Saver Roth IRA Shares Savings 0.20% - 0.20%
Min Balance $0
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%
Kasasa Saver Savings 0.75% - 0.75%
Min Balance $5
Details Balance: $5.00 - Monthly
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%
Kasasa Saver Savings 0.20% - 0.20%
Min Balance $10,000
Details Balance: $10,000.01 - Monthly
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%
Kasasa Saver Savings 0.20% - 0.20%
Min Balance $5
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%
Kasasa Saver Special Shares Savings 0.20% - 0.20%
Min Balance $5
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%
Kasasa Saver Special Shares Savings 0.80% - 0.80%
Min Balance $20,000
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%
Kasasa Saver Traditional IRA Shares Savings 0.20% - 0.20%
Min Balance $0
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%
Regular Shares 0.20% - 0.20%
Min Balance $5
Details Balance: $5.00 - $20,000.00
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%
Regular Shares 0.80% - 0.80%
Min Balance $20,000
Details Balance: $20,000.01 and over
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%
Roth IRA Shares 0.20% - 0.20%
Min Balance $0
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%
Share 0.20% - 0.20%
Min Balance $5
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%
Special Shares 0.20% - 0.20%
Min Balance $5
Details Balance: $5.00 - $20,000.00
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%
Special Shares 0.80% - 0.80%
Min Balance $20,000
Details Balance: $20,000.01 and over
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%
Traditional IRA Shares 0.20% - 0.20%
Min Balance $0
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.83%

Financial Health History

KUE Federal Credit Union’s Texas Ratio rose from 0.99% in Q2 2023 to 3.83% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 1.6% 2.0★ 3.1% 3.0★ 4.7% 4.0★ 6.2% 5.0★ Healthy zone – entire history below the 15% limit 0.99% A+ Q2 2023 A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 3.83% A+ Q1 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
March 31, 2026$56M3.83%5.0A+
December 31, 2025$54M3.51%5.0A+
September 30, 2025$55M2.68%5.0A+
June 30, 2025$54M3.61%5.0A+
March 31, 2025$55M4.07%5.0A+
December 31, 2024$53M4.61%5.0A+
September 30, 2024$53M3.76%5.0A+
June 30, 2024$53M2.56%5.0A+
March 31, 2024$53M3.51%5.0A+
December 31, 2023$52M4.21%5.0A+
September 30, 2023$54M1.85%5.0A+
June 30, 2023$55M0.99%5.0A+
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 KUE 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 KUE 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 KUE Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name KUE Federal Credit Union
Address 1 Quality St, Lexington, KY 40507-1428
Phone 859-367-1230
Fax 859-367-1157
President Ricky Moore
CEO Stephanie Gillis
Full-Time Employees 5
Part-Time Employees 0
Branch Locations 1
ATM Locations 0
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.83%
Return on Assets (ROA)
0.2367%
Return on Equity (ROE)
1.6218%
Non-Performing Loans Ratio (NPL)
1.42%
Total Assets
55,586,838
Total Amount of Shares and Deposits
47,753,617
Total Shares and Deposits < 1 Year
46,314,852
Total Shares and Deposits 1 3 Years
1,183,345
Total Shares and Deposits > 3 Years
255,421
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,598,139
Total Uninsured Shares and Deposits > $250K (F+J)
1,598,139
Total Insured Shares and Deposits > $250K (item 17 less item K)
46,155,478
Total Interest Expense (Sum of items 6 8)
147,052
Share Certificates
336
Number of Accounts for Share Drafts
1,696
IRA KEOGH Accounts
175
Number of Accounts for Regular Shares
2,886
All other shares
278
Net Income (unless the amount is already included in Undivided Earnings)
131,583
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)
5,395,018
Total Liabilities
47,473,747
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

KUE Federal Credit Union earned the Verified Healthy badge

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

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/kue-federal-credit-union-rates-review-22478">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews
0
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Frequently Asked Questions About KUE Federal Credit Union

How many branches does KUE Federal Credit Union operate?

KUE 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 KUE Federal Credit Union?

Yes, to access services at KUE 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, KUE 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, KUE Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does KUE Federal Credit Union offer online and mobile banking?

Most modern institutions like KUE 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.kuefcu.com.

Current KUE Federal Credit Union Rates

  • 12-Month CD2.40%
  • 24-Month CD2.50%
  • 60-Month CD2.90%
  • Savings0.20%
Retrieved from our database of financial products. Rates subject to change.