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 University of Kentucky Federal Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 4, 2026
University of Kentucky Federal Credit Union's 9 month (Northern Kentucky Special) rates are at 5.00%, 5 Month CD Special rates are at 4.25%, 5 Year CD rates are at 2.60%, 5 Year IRA CD rates are at 2.60%, 4 Year CD rates are at 2.50%. University of Kentucky Federal Credit Union's savings rates are at 0.10%. University of Kentucky Federal Credit Union's money market rates are at 0.60%. University of Kentucky Federal Credit Union's Personal Loan Rates are at 11.49%. MonitorBankRates evaluates the financial stability of University of Kentucky Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.36%. Rates last updated and verified on 09/04/2026. University of Kentucky Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at University of Kentucky Federal Credit Union? Share your experience about University of Kentucky Federal Credit Union by leaving a review below, or read customer reviews before you decide to use University of Kentucky Federal Credit Union. University of Kentucky Federal Credit Union
Corporate Offices 1730 Alysheba Way
https://www.ukfcu.org Lexington, KY 40509 
University of Kentucky Federal Credit Union CD Rates
University of Kentucky Federal Credit Union Savings Rates
University of Kentucky Federal Credit Union Money Market Rates
University of Kentucky Federal Credit Union Checking Rates
University of Kentucky Federal Credit Union Home Equity & HELOC
University of Kentucky Federal Credit Union Auto Loan Rates
University of Kentucky Federal Credit Union Credit Card Rates
University of Kentucky Federal Credit Union Personal Loan Rates
Financial Health HistoryUniversity of Kentucky Federal Credit Union’s Texas Ratio rose from 3.03% in Q2 2023 to 6.36% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for University of Kentucky Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather University of Kentucky Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with University of Kentucky Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
University of Kentucky Federal Credit Union
Website
https://www.ukfcu.org
Address
1730 Alysheba Way,
Lexington, KY 40509
Phone
859-264-4200
Fax
859-264-4208
President
Joseph (Tyler) Gayheart
CEO
Ryan Ross
Full-Time Employees
275
Part-Time Employees
22
Branch Locations
9
ATM Locations
8
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.36%
Return on Assets (ROA)
0.1330%
Return on Equity (ROE)
1.2043%
Non-Performing Loans Ratio (NPL)
0.89%
Total Assets
1,690,639,689
Total Amount of Shares and Deposits
1,319,414,008
Total Shares and Deposits < 1 Year
1,297,406,707
Total Shares and Deposits 1 3 Years
17,007,858
Total Shares and Deposits > 3 Years
4,999,443
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
63,192,992
Total Uninsured Shares and Deposits > $250K (F+J)
63,192,992
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,256,221,016
Total Interest Expense (Sum of items 6 8)
8,947,426
Share Certificates
9,732
Number of Accounts for Share Drafts
57,774
IRA KEOGH Accounts
2,179
Number of Accounts for Regular Shares
129,798
All other shares
73
Money Market Shares
10,674
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
151,228,796
Total Liabilities
1,504,336,649
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Add Your Rating and Review for University of Kentucky Federal Credit Union
Frequently Asked Questions About University of Kentucky Federal Credit UnionHow many branches does University of Kentucky Federal Credit Union operate?University of Kentucky Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join University of Kentucky Federal Credit Union?Yes, to access services at University of Kentucky Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, University of Kentucky Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, University of Kentucky Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does University of Kentucky Federal Credit Union offer online and mobile banking?Most modern institutions like University of Kentucky Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.ukfcu.org. Current University of Kentucky Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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