Address: 2557 Sir Barton Way Lexington, KY 40509 View Map
Phone: (859) 264-4290

About Us

University of Kentucky Federal Credit Union is a member owned financial cooperative, chartered in 1937 to effectively provide member based quality financial services.


University of Kentucky Federal Credit Union FAQ

What is/are the advantage(s) to using UKFCU over a Bank?
As a member-owned not for profit cooperative, the sole purpose of UKFCU is to serve its members. Because we don’t have stockholders, we are able to return profits back to members with lower fees, better rates, and first rate products. What this means is we can offer better rates on savings, lower rates on loans and credit cards, and the convenience and accessibility of local institution. You will find these savings across all of our products from money markets to business loans.

What is the difference between the Current Balance and the Available Balance?
Your Current balance is the balance in your account as of a certain date and includes all cleared checks or other posted charges. Your available balance is the amount available for use and includes any debit card holds or other deposit or check holds. The available balance for your account may differ from the current balance because of pending transactions that have been presented and held against the account, but have not yet been processed. Once processed, the transactions are reflected in the current balance and show in the account history.

Does UKFCU offer access to accounts by iPod/iPad/iPhone/Android or other mobile devices?
UKFCU now offers mobile banking. We have apps for iOS and Android. Additionally, other devices may be able to access instead of a dedicated app.

Is UKFCU a member of the FDIC?
Good question! As a credit union, we are fully backed by the federal government through the National Credit Union Share Insurance Fund, a division of the NCUA (National Credit Union Administration) for at least $250,000. In addition, we have purchased extra share insurance from ESI, insuring your deposits for an extra $250,000 for a total of $500,000. We made the decision to purchase this extra share insurance at no additional cost to our members.

Can you transfer money from a UKFCU account to an account at a different financial institution?
UKFCU offers Account to Account Transfer as one of many online services free of charge.