Credit union · NCUA insured
Old Kentucky Home Federal Credit Union
A $19.6M credit union headquartered in Bardstown, KY, with 2,251 members and 1 branch in Kentucky. Best rates: CDs 2.12% and savings 1.26% APY.
Old Kentucky Home Federal Credit Union Carrot Score
85
Carrot Score
Higher than 70% of U.S. banks and credit unions
#19 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 Old Kentucky Home Federal Credit Union
Founded in 1967 by BFGoodrich Employees as Chemco Federal Credit Union, Old Kentucky Home Federal Credit Union is headquartered in Bardstown, Kentucky.
The credit union merged with ASRC Employees Credit Union in 2005 and purchased its current building on Templin Avenue that same year.
The member-owned cooperative serves Nelson County as its only local credit union.
- Headquarters
- 1008 Templin Ave, Bardstown, KY 40004
- NCUA charter
- 18172
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This may be incomplete or out of date, so check with the credit union before you apply.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 all of Nelson County.
Branches
1 branch in Kentucky
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Kentucky
1 branch
- Old Kentucky Home Federal Credit UnionMain office1008 Templin Ave, Bardstown, KY 40004Directions
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 | 12.16% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.55% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.30% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $80 | $59 | — |
- CapitalNet worth ratio12.16%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.55%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.30%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$80Peers’ 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 Old Kentucky Home 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.