Credit union · NCUA insured
Greater Kentucky Credit Union
A $85.5M credit union headquartered in Lexington, KY, with 9,295 members and 1 branch in Kentucky. Best rates: CDs 4.15% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Savings: published rates need another account or activity, so they are not scored. Auto loans: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all). Credit cards: no rates found on its website.
- CDs—4.15%CD rates →
- Savings—3.00%Needs another account or monthly activitySavings rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Greater Kentucky Credit Union
Founded in 1953, Greater Kentucky Credit Union serves members across 24 Central Kentucky counties.
A cooperative financial institution, membership is established with an initial $10 savings account deposit.
- Headquarters
- 1001 Red Mile Rd, Lexington, KY 40504-2650
- NCUA charter
- 62228
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to any individual who lives, works, worships or attends school in Anderson, Bourbon, Boyle, Bullitt, Clark, Estill, Fayette, Franklin, Garrard, Harrison, Henry, Jefferson, Jessamine, Lincoln, Madison, Mercer, Nicholas, Oldham, Powell, Shelby, Scott, Spencer, Trimble, or Woodford County, KY.
Family and household
- Membership is open to any individual related to a current Greater Kentucky Credit Union member.
Cost to join
- An initial deposit / minimum balance of $10 in a savings account is required to open an account and establish membership.
Branches
1 branch in Kentucky
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Kentucky
1 branch
- Main OfficeMain office1001 Red Mile Rd, Lexington, KY 40504Directions
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
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.74% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.76% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.18% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $85 | $59 | — |
- CapitalNet worth ratio11.74%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.76%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.18%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$85Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 Greater Kentucky Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.