Credit union · NCUA insured
UK Credit Union Credit Card Rates
UK Credit Union credit cards start at 10.99% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How UK Credit Union’s credit card rates compare
Compared with banks and credit unions near Lexington, KY, where UK Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
UK Credit Union
10.99%APR
- Up to
- —
Visa Platinum Card
Lowest rate
Lexington Postal Credit Union
8.25%APR
- Up to
- —
2nd-lowest rate
Transcend Credit Union
8.90%APR
- Up to
- 17.90% APR
UK Credit Union credit card score
77
Credit card score
Higher than 44% of U.S. banks and credit unions
- Purchase APRPurchase APR10.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where UK Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Platinum Card
Subject to credit approval and subject to change without notice. No annual fee. Earn CU Rewards points on every dollar spent. 25 days grace period. Rate is variable (as low as Prime + 3.99%).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.99% | None | Subject to credit approval and subject to change without notice. Rate formula: As low as Prime + 3.99% APR. 25-day grace period. |
Sources (2)
All captured Oct 5, 2026
Visa Signature Card
Subject to credit approval and subject to change without notice. No annual fee. 1% cash back on purchases. 25 days grace period. Rate is variable (as low as Prime + 6.49%).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.49% | None | Subject to credit approval and subject to change without notice. Rate formula: As low as Prime + 6.49% APR. 25-day grace period. |
Sources (2)
All captured Oct 5, 2026
Who can join UK Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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.
Membership information collected October 4, 2026.