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University of Kentucky Federal Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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: October 13, 2026
University of Kentucky Federal Credit Union's top rates as of October 13, 2026 are 5.00% APY on its CD Accounts - 9 month (Northern Kentucky Special), 4.00% APY on savings, 4.07% APY on money market accounts, 0.25% APY on checking, personal loans from 11.49% APR, and credit cards from 10.99% APR, according to rates verified by MonitorBankRates. Other University of Kentucky Federal Credit Union CD rates include CD Accounts - 5 month Special at 4.25%, CD Accounts - 5 Years - TruBlue at 2.85%, and CD - 4 Years - TruBlue at 2.75%. 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 6.97%. Rates last updated and verified on 10/13/2026.
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 has earned an overall safety grade of A (Excellent, Score: 97/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
University of Kentucky Federal Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
6.97%
ExcellentHigher than avg
University of Kentucky Federal Credit Union Texas Ratio
University of Kentucky Federal Credit Union's Texas Ratio is 6.97%, which is considered excellent and is higher than the national average of 6.13%.
University of Kentucky Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
University of Kentucky Federal Credit Union Health Trend
3.99% to 6.97% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A
The Texas Ratio for this credit union has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
University of Kentucky Federal Credit Union CD Rates
No change since Sep 21, 2026 · 4.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.97%
High Yield Savings Account
-
4.00%
Min Deposit$1,000
Min Balance$0
DetailsBalance: $0.00 - $25,000.00 (Tier 1, 4.00% APY); earn up to 4.00% APY on balances up to $25,000; HYSA is a tiered-rate account with Tier 2 $25,000.01-$50,000 at 0.50% APY, Tier 3 $50,000.01-$100,000 at 0.75% APY, Tier 4 $100,000.01-$250,000 at 1.00% APY, Tier 5 $250,000.01+ at 1.50% APY; membership eligibility required; limit of one HYSA per primary member's Social Security Number; rates may change after account opening
Last Updated10/13/2026
Rate History
No change since Sep 21, 2026 · 4.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.97%
High Yield Savings Account
1.49%
1.50%
Min Balance$250,000
DetailsBalance: $250,000.01 and over; Dividend Period: Monthly
Last Updated10/13/2026
Rate History
No change since Sep 21, 2026 · 1.50% APY · checked 5 times
1 change since Sep 21, 2026 · 2.49% → 2.82% ▲ 0.33 pts · high 2.82% / low 2.49%
Oct 5, 20262.82%▲ from 2.49%
Sep 21, 20262.49%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.97%
University of Kentucky Federal Credit Union Checking Rates
Product
Rate
APY
View More
BlueVantage Checking
0.25%
0.25%
Min Balance$1,500
DetailsDividend Period: Monthly; No minimum deposit required to open account but $1,500 minimum balance required to earn dividend of 0.25% APY; Effective Date: 8/26/2025
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.97%
University of Kentucky Federal Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Line of Credit (HELOC)
-
-
6.00%
DetailsAs Low As; Rate is Prime minus one, floor 3.00% APR, maximum 18.00% APR; variable rate; member qualifications apply; closing costs of approximately $150-$600 if line closed within 3 years
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 5.75% → 6.00% ▲ 0.25 pts · high 6.00% / low 5.75%
Sep 21, 20266.00%▲ from 5.75%
Sep 14, 20265.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.97%
Fixed Home Equity Loan
-
-
7.74%
DetailsAs Low As; Annual Percentage Rate (APR); Home Equity loan; Rates effective as of 12/19/24 per page footnote; subject to credit approval
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 7.74% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.97%
University of Kentucky Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New/Used Vehicle - Terms 36 Months or Less Loan
-
-
3.99%
36 Months
DetailsAs Low As; Amount Financed: New/Used Vehicle; Rates shown include the 1% Buy-Down Program discount; Effective 9/1/2026
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.97%
New/Used Vehicle - Terms 37 to 66 Months Loan
-
-
4.99%
37 to 66 Months
DetailsAs Low As; Amount Financed: New/Used Vehicle; Rates shown include the 1% Buy-Down Program discount; Effective 9/1/2026
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.97%
New/Used Vehicle - Terms 67 to 75 Months Loan
-
-
5.49%
67 to 75 Months
DetailsAs Low As; Amount Financed: New/Used Vehicle; Rates shown include the 1% Buy-Down Program discount; Effective 9/1/2026
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.97%
New/Used Vehicle - Terms 76 to 84 Months Loan
-
-
6.24%
76 to 84 Months
DetailsAs Low As; Amount Financed: New/Used Vehicle; Rates shown include the 1% Buy-Down Program discount; Effective 9/1/2026
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 6.24% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.97%
New/Used Vehicle - Terms 85 to 89 Months Loan
-
-
6.74%
85 to 89 Months
DetailsAs Low As; Amount Financed: New/Used Vehicle; Rates shown include the 1% Buy-Down Program discount; Effective 9/1/2026
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 6.74% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.97%
University of Kentucky Federal Credit Union RV, Boat and Powersport Loan Rates
No change since Sep 14, 2026 · 8.24% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.97%
University of Kentucky Federal Credit Union Credit Card Rates
Product
Rate
APR
View More
Visa Platinum
-
10.99%
DetailsAs Low As; Rate: Prime + 3.99% APR (indexed, not an absolute rate); Current APR: 10.99%; Grace Period: 25 days; Annual Fee: $0.00; Rates effective as of 12/11/25
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 10.74% → 10.99% ▲ 0.25 pts · high 10.99% / low 10.74%
Sep 21, 202610.99%▲ from 10.74%
Sep 14, 202610.74%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.97%
Visa Signature Card
-
13.49%
DetailsAs Low As; Rate: Prime + 6.49% APR (indexed, not an absolute rate); Current APR: 13.49%; Grace Period: 25 days; Annual Fee: $0.00; Rates effective as of 12/11/25
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 13.24% → 13.49% ▲ 0.25 pts · high 13.49% / low 13.24%
Sep 21, 202613.49%▲ from 13.24%
Sep 14, 202613.24%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.97%
University of Kentucky Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
Signature/Unsecured Loan
11.49%
DetailsAs Low As; Personal Loan Rates, effective 12/19/2024
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 11.49% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.97%
Visa Signature Card
13.49%
DetailsAs Low As; Rate: Prime + 6.49% APR (indexed, not an absolute rate); Current APR: 13.49%; Grace Period: 25 days; Annual Fee: $0.00; Rates effective as of 12/11/25
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 13.24% → 13.49% ▲ 0.25 pts · high 13.49% / low 13.24%
Sep 21, 202613.49%▲ from 13.24%
Sep 14, 202613.24%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.97%
University of Kentucky Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Vacation Loan
-
-
9.99%
DetailsAs Low As; Personal Loan Rates, effective 12/19/2024
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 6 times
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.97%
Financial Health History
University of Kentucky Federal Credit Union’s Texas Ratio rose from 3.99% in Q3 2023 to 6.97% in Q2 2026, so its financial health has held steady at a healthy level 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 green zone below the amber 15% line is where a credit union must stay 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 limit (green zone below = healthy)
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
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$1.8B
6.97%
5.0
A
March 31, 2026
$1.7B
6.36%
5.0
A
December 31, 2025
$1.6B
5.97%
5.0
A+
September 30, 2025
$1.6B
7.03%
5.0
A
June 30, 2025
$1.5B
4.85%
5.0
A+
March 31, 2025
$1.6B
4.77%
5.0
A+
December 31, 2024
$1.6B
5.16%
5.0
A+
September 30, 2024
$1.6B
5.40%
5.0
A+
June 30, 2024
$1.5B
4.66%
5.0
A+
March 31, 2024
$1.5B
4.00%
5.0
A+
December 31, 2023
$1.5B
4.36%
5.0
A+
September 30, 2023
$1.5B
3.99%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates 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 NameUniversity of Kentucky Federal Credit Union
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
130,699,364
Total Uninsured Shares and Deposits > $250K (F+J)
130,699,364
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,256,694,272
Total Interest Expense (Sum of items 6 8)
18,146,742
Share Certificates
9,423
Number of Accounts for Share Drafts
62,587
IRA KEOGH Accounts
2,404
Number of Accounts for Regular Shares
141,448
All other shares
71
Non Member Deposits
11
Money Market Shares
10,579
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)
145,915,401
Total Liabilities
1,597,985,673
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
University of Kentucky Federal Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Frequently Asked Questions About University of Kentucky Federal Credit Union
How 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
12-Month CD2.00%
18-Month CD2.00%
24-Month CD2.00%
60-Month CD2.60%
Savings4.00%
MMA4.07%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
