University of Kentucky Federal Credit Union – 940 Midnight Pass
4.7
(197 reviews)
University of Kentucky Federal Credit Union (UKFCU) is a member-owned nonprofit financial cooperative chartered in 1937 to serve University of Kentucky affiliates and the broader Lexington community. Its history reflects growth from campus-based financial services to a multi-branch organization offering a full spectrum of personal and small-business financial products. UKFCU operates as a federally chartered credit union, guiding its governance and operations through a member-centric model that emphasizes member ownership and community focus. The organization provides standard banking services - deposit accounts, loans, and related financial products - within a not-for-profit framework aimed at offering favorable rates and reasonable fees to its members. With locations across Lexington, UKFCU serves a diverse membership base, including university staff, students, retirees, and local residents, and maintains a commitment to financial education and community involvement as core components of its operating scope.
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Services this business provides
Federal credit union
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Credit union
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Frequently Asked Questions about University of Kentucky Federal Credit Union
Does University of Kentucky Federal Credit Union have other locations in Lexington?
Based on our directory, this appears to be the only University of Kentucky Federal Credit Union location in Lexington, Kentucky. However, University of Kentucky Federal Credit Union may have additional branches in other cities or states. Contact the company directly or visit their website to confirm all available locations.
Can I contact University of Kentucky Federal Credit Union online?
Yes, University of Kentucky Federal Credit Union offers online contact options through their website. You can visit their website at ukfcu.org to access online services, customer support, or contact forms. Many financial institutions also provide email support, live chat, and mobile app options for customer inquiries.
How can I verify that University of Kentucky Federal Credit Union is legitimate?
To verify University of Kentucky Federal Credit Union's legitimacy, check if they are licensed with Kentucky's Department of Financial Services or Consumer Credit Division. Licensed lenders must display their license number and comply with state lending regulations. Verify their registration through the Nationwide Multistate Licensing System (NMLS) if applicable. Review their Better Business Bureau rating and check for any complaints filed with state consumer protection agencies. Legitimate lenders will provide clear terms, proper disclosures, and will not ask for upfront fees before processing your application.
What are the main requirements to work with University of Kentucky Federal Credit Union?
Requirements to apply for a loan with University of Kentucky Federal Credit Union typically include: proof of identity (government-issued ID), proof of income (pay stubs, tax returns, or bank statements), proof of residence, Social Security Number, and information about existing debts. Lenders will evaluate your credit score, debt-to-income ratio, employment history, and ability to repay. Some loans may require collateral or a co-signer. Minimum credit score and income requirements vary by loan type and lender. Contact University of Kentucky Federal Credit Union directly to understand their specific eligibility criteria, as requirements can differ based on the loan product and your financial situation.