Credit union · NCUA insured
Kit Federal Credit Union
A $22.4M credit union headquartered in Louisville, KY, with 1,844 members and 1 branch in Kentucky. Best rates: CDs 4.30% and savings 1.90% APY.
Kit Federal Credit Union Carrot Score
86
Carrot Score
Higher than 72% of U.S. banks and credit unions
#16 of 43 in Louisville/Jefferson County, KY-IN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Kit Federal Credit Union
Founded in 1965 in Louisville, Kentucky, Kit Federal Credit Union originally formed to serve employees of The Great Atlantic & Pacific Tea Company.
Now a member-owned cooperative, it expanded in 2024 to serve individuals across Jefferson County, Kentucky.
- Headquarters
- 9711 Linn Station Rd, Louisville, KY 40223
- NCUA charter
- 16947
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Eligibility is open to anyone who lives, works, worships, volunteers, or attends school in Jefferson County.
Family and household
- Immediate family of Kit members are eligible to join.
Cost to join
- Membership is established by opening a Primary Savings account with a minimum $5 deposit.
Branches
1 branch in Kentucky
Loading map…
Kentucky
1 branch
- Main OfficeMain office9711 Linn Station Rd, Louisville, KY 40223Directions
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 | 11.86% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.35% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.89% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $76 | $59 | — |
- CapitalNet worth ratio11.86%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.35%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.89%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$76Peers’ 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 Kit Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.