Credit union · NCUA insured
UK Credit Union
A $1.7B credit union, the 295th largest of 4,329, headquartered in Lexington, KY, with 112,948 members and 10 branches in Kentucky. Best rates: CDs 5.00% and savings 0.70% APY.
UK Credit Union Carrot Score
84
Carrot Score
Higher than 68% of U.S. banks and credit unions
#8 of 25 in Lexington, KY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About UK Credit Union
Founded in 1937, UK Credit Union is a member-owned, not-for-profit financial cooperative based in Lexington, Kentucky.
The institution was formed by a group of agriculture college employees from the University of Kentucky who needed a better way to save and borrow money.
The credit union recently completed a merger with Bluegrass Community Federal Credit Union.
- Headquarters
- 1730 Alysheba Way, Lexington, KY 40509
- NCUA charter
- 24165
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This may be incomplete or out of date, so check with the credit union before you apply.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 who live, work, study, or worship in designated areas of Fayette, Jessamine, Garrard, Madison, Scott, Bourbon, Montgomery, Bath, Menifee, Powell, Wolfe, Lee, Jackson, and Rockcastle Counties are eligible for membership.
Employers and groups
- Members of the American Consumer Council are eligible for membership.
- Current and retired employees of over 100 preferred partner organizations across Central Kentucky are eligible for membership.
Military, government and schools
- Current and former students/alumni of University of Kentucky, Eastern Kentucky University, Bluegrass Community & Technical College, Kentucky Community & Technical College System, and more are eligible for membership.
- Current and retired employees of the University of Kentucky are eligible for membership.
Family and household
- Relatives of a current member (spouse, sibling, parent/step-parent, child/step-child, grandchild, uncle, or aunt) are eligible for membership.
Branches
10 branches in Kentucky
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Kentucky
10 branches
Lexington area · 9
- Beaumont940 Midnight Pass, Lexington, KY 40513Directions
- Frederick Douglass High School2000 Winchester Rd, Lexington, KY 40505Directions
- Hamburg Branch2557 Sir Barton Way, Lexington, KY 40509Directions
- Reynolds Road Branch370 Meijer Way, Lexington, KY 40503Directions
- South Broadway Branch603 S Broadway, Lexington, KY 40508Directions
- Tates Creek Branch689 Wilson Downing Rd, Lexington, KY 40517Directions
- Tates Creek High School1111 Centre Pkwy, Lexington, KY 40517Directions
- UK Student Center Branch160 Avenue of Champions, Ste A - 210, Lexington, KY 40526Directions
- Nicholasville201 Bryant Dr, Nicholasville, KY 40356Directions
Huntington area · 1
- Bluegrass Community FCU Main OfficeMain office2321 Carter Ave, Ashland, KY 41101Directions
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 | 10.91% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.97% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.30% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $111 | $88 | — |
- CapitalNet worth ratio10.91%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.97%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.30%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$111Peers’ 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 UK Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.