Credit union · NCUA insured
Transcend Credit Union
A $589.4M credit union headquartered in Louisville, KY, with 50,358 members and 6 branches in Kentucky. Best rates: CDs 3.50% and savings 0.10% APY.
Transcend Credit Union Carrot Score
84
Carrot Score
Higher than 65% of U.S. banks and credit unions
#21 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 Transcend Credit Union
Founded in 1934 as Kentucky Telco Credit Union, Transcend Credit Union originally served employees of Southern Bell Telephone & Telegraph Company.
Following a December 2015 state charter conversion, the credit union serves members across Kentucky with five locations in Louisville and a branch in Lexington.
- Headquarters
- 3740 Bardstown Rd, Louisville, KY 40218-2209
- NCUA charter
- 68666
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This may be incomplete or out of date, so check with the credit union before you apply.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 anyone who works, lives, worships, or attends school in Anderson, Bourbon, Boyle, Bullitt, Clark, Daviess, Estill, Fayette, Franklin, Garrard, Harrison, Henry, Jefferson, Jessamine, Lincoln, Madison, Mercer, Nicholas, Oldham, Powell, Scott, Shelby, Spencer, Trimble, and Woodford counties in Kentucky.
Branches
6 branches in Kentucky
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Kentucky
6 branches
Louisville/Jefferson County area · 5
- Main OfficeMain office3740 Bardstown Rd, Louisville, KY 40218Directions
- Downtown601 S Floyd St Ste 100, Louisville, KY 40202Directions
- Middletown12104 Shelbyville Rd, Louisville, KY 40243Directions
- Okolona4816 Outer Loop, Louisville, KY 40219Directions
- Dixie4652 Dixie Hwy, Shively, KY 40216Directions
Lexington area · 1
- Lexington Branch2549 Regency Rd Ste 105, Lexington, KY 40503Directions
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 | 13.37% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.13% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.21% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $91 | $76 | — |
- CapitalNet worth ratio13.37%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.13%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.21%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$91Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 Transcend Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.