The University of Kentucky Federal Credit Union (UKFCU) is a member-owned financial cooperative serving the University of Kentucky community and surrounding areas. Established to provide accessible financial services, the institution operates as a not-for-profit organization governed by a volunteer board of directors. Its structure centers on member ownership, with profits reinvested to benefit members through lower loan rates, higher savings yields, and a broad suite of basic financial products.
UKFCU’s history reflects the evolution of university-affiliated credit unions, conceived to support students, faculty, staff, and affiliated organizations in managing money and building financial resilience. The organization traditionally offers routine banking services, including deposit accounts, loan products, and financial education resources designed to promote sound money management. Its operational scope typically emphasizes local presence, community ties, and partnerships within the university ecosystem, aiming to foster stable access to financial services for eligible members. The address provided identifies a physical location associated with the credit union’s operations within Lexington, Kentucky.
Better than 50% of providers in Lexington
In addition to the primary service, University of Kentucky Federal Credit Union also offers:
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University of Kentucky Federal Credit Union is a verified financial service provider. This means we have confirmed their business information, contact details, and they have received customer reviews. You can trust this provider for your financial needs.
Find answers to common questions
University of Kentucky Federal Credit Union is listed as a financial service provider in Lexington, KY and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask University of Kentucky Federal Credit Union to explain the terms in writing before you proceed.
To improve your chances of getting better terms from University of Kentucky Federal Credit Union, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare University of Kentucky Federal Credit Union with other providers in Lexington and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
University of Kentucky Federal Credit Union has a rating of 4.7, which is better than 50% of providers in Lexington.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents University of Kentucky Federal Credit Union requests. It is always best to call ahead using the phone number on this page so University of Kentucky Federal Credit Union can confirm exactly which documents you need for your specific situation.
In addition to its primary service, University of Kentucky Federal Credit Union also offers: Federal credit union, ATM, Credit union.