Credit union · NCUA insured
Commonwealth Credit Union
Top CarrotA $2.8B credit union, the 177th largest of 4,329, headquartered in Frankfort, KY, with 144,367 members and 18 branches in Kentucky. Best rates: CDs 5.00% and savings 1.95% APY.
Commonwealth Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 98% of U.S. banks and credit unions
#1 of 25 in Lexington, KY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Commonwealth Credit Union
Founded in 1951 to provide a financial institution for Kentucky retirees, Commonwealth Credit Union is a member-owned cooperative.
- Headquarters
- 417 High St, Frankfort, KY 40601
- NCUA charter
- 24970
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons living, working, conducting business, worshipping, or attending school in 35 specified Kentucky counties, as well as businesses located there, are eligible to join.
Employers and groups
- Employees of Baptist Health Lexington or Zoeller are eligible for membership.
Military, government and schools
- Members of Kentucky Education Association or Kentucky Retired Teachers Association are eligible to join.
- Employees and members of specific state government and education entities in Kentucky are eligible for membership.
Family and household
- Immediate family members of current members are eligible to join.
Other ways
- Individuals can become eligible for membership by joining one of the credit union's partner associations at no cost.
Branches
18 branches in Kentucky
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Kentucky
18 branches
Lexington area · 6
- Georgetown East Branch108 Lawson Dr, Georgetown, KY 40324Directions
- Georgetown West Branch105 Market Place Cir, Georgetown, KY 40324Directions
- Hamburg Branch2540 Sir Barton Way, Lexington, KY 40509Directions
- Meijer Way Branch280 Meijer Way, Lexington, KY 40503Directions
- Nicholasville Branch1091 N Main St, Nicholasville, KY 40356Directions
- Versailles Branch1290 Crossfield Dr, Versailles, KY 40383Directions
Frankfort area · 4
- High Street BranchMain office417 High St, Frankfort, KY 40601Directions
- Louisville Road Branch1425 Louisville Rd, Frankfort, KY 40601Directions
- Sower Branch101 Sower Blvd, Frankfort, KY 40601Directions
- Lawrenceburg Branch1015 Crossroad Dr, Lawrenceburg, KY 40342Directions
Louisville/Jefferson County area · 4
- Cane Run Road Branch4415 Cane Run Rd, Louisville, KY 40216Directions
- St. Matthews Branch3704 Frankfort Ave, Louisville, KY 40207Directions
- Shelbyville East Branch600 Boone Station Rd, Shelbyville, KY 40065Directions
- Shelbyville West Branch73 Jeanie Dr, Shelbyville, KY 40065Directions
Harrodsburg area · 1
- Harrodsburg Branch511 Joseph Dr, Harrodsburg, KY 40330Directions
Owenton area · 1
- Owenton Branch660 Highway 127 S, Owenton, KY 40359Directions
Pikeville area · 1
- Prestonsburg Branch550 N Lake Dr, Prestonsburg, KY 41653Directions
Richmond area · 1
- Richmond Branch108 Meridian Way, Richmond, KY 40475Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.26% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.87% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.59% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $84 | $88 | — |
- CapitalNet worth ratio11.26%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.87%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.59%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$84Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Commonwealth Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.