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Top credit unions in Kentucky ranked by best APR.
Sort the best APR by loan type, and see how these rates affect car payments in our Kentucky car payment calculator. Car rates are for 72 months. The rates listed are the best offered by the top credit unions in Kentucky for A-tier credit scores.
The APR listed may change at any time. Rates vary based on application date, terms, and credit rating. Sort rates by clicking the top of the list. |
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University of Kentucky Federal Credit Union UKFCU was established in 1937 at the UK College of Agriculture and has over 115,000 members from 7 credit unions in Kentucky. The main field of membership includes UK staff and students, but anyone can join through the American Consumer Council as listed in the ways to join. UKFCU ranks #1 on our 2025 credit union list for competitive rates on all loan types with top customer service. Financing offers include homes, cars, boats, motorcycles, RVs and more. Headquarters: 1730 Alysheba Way, Lexington, KY 40509 |
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Service One Credit Union
SOCU was chartered in 1963 for educators at Western Kentucky University. It serves 20,000 members from 8 locations. The ways to join include residents of the counties: Allen, Barren, Butler, Caldwell, Christian, Crittenden, Edmonson, Hart, Hopkins, Logan, Livingston, Lyon, Metcalfe, Monroe, Muhlenberg, Simpson, Todd, Trigg, and Warren. Headquarters: 1609 Campbell Ln, Bowling Green, KY 42104
Ashland Credit Union ACU was founded in 1942 and has 45,000 clients at 5 branches in Kentucky. The field of membership includes the counties of Anderson, Bourbon, Boyd, Boyle, Carter, Clark, Elliott, Estill, Fayette, Franklin, Garrard, Greenup, Harrison, Jessamine, Lawrence, Lincoln, Madison, Mercer, Nicholas, Powell, Scott, and Woodford. Headquarters: 1300 Central Ave, Ashland, KY 41101 |
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Greater Kentucky Credit Union
Greater Kentucky CU was created in 1953. It has over 12,000 members at 3 credit unions. The ways to join include residents in the counties of Anderson, Bourbon, Boyle, Bullitt, Clark, Estill, Fayette, Franklin, Garrard, Harrison, Henry, Jefferson, Jessamine, Lincoln, Madison, Mercer, Nicholas, Oldham, Powell, Shelby, Scott, Spencer, Trimble, and Woodford. Headquarters: 1001 Red Mile Rd, Lexington, KY 40504
Members Heritage Credit Union
MHCU was founded in 1960 for IBM employees. It has over 55,000 clients at 6 branches. The field of membership includes the Bluegrass and Gateway Districts as listed in the ways to join MHCU. Headquarters: 440 Park Pl, Lexington, KY 40511
Cove Federal Credit Union Established in 1970, CFCU serves 8,000 clients from 1 branch in Kentucky. The first members were nurses at St Elizabeth Hospital in Covington. Membership eligibility includes residents in Boone, Kenton, Campbell, Grant, and Pendleton County. Headquarters: 577 Dudley Rd, Edgewood, KY 41017 |
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Abound Credit Union
Established in 1950, Abound CU has over 140,000 members at 19 branches. Abound is the largest credit union in Kentucky, but it started with 10 civilian employees at Fort Knox. The field of membership includes active military and civil service employees as listed in the ways to join Abound. Headquarters: 3939 South Dixie Blvd, Radcliff, KY 40160
L&N Federal Credit Union
Founded in 1954 for L&N Railroad workers, LNFCU serves 117,000 members from 26 credit unions in Kentucky. The ways to join include residents in the counties: Boone, Bullitt, Campbell, Gallatin, Grant, Hardin, Henry, Jefferson, Kenton, Knox, Larue, Laurel, Meade, Nelson, Oldham, Pendleton, Pulaski, Rockcastle, Shelby, Spencer, Trimble, and Whitley. Headquarters: 9115 Smyrna Pkwy, Louisville, KY 40229
Commonwealth Credit Union
Founded in 1951, CCU serves 125,000 members at 18 unions. The ways to join include residents in the counties of Anderson, Bourbon, Boyle, Bullitt, Clark, Estill, Fayette, Franklin, Garrard, Harrison, Henry, Jefferson, Jessamine, Lincoln, Madison, Mercer, Nicholas, Oldham, Owen, Powell, Scott, Shelby, Spencer, Trimble, and Woodford. Headquarters: 417 High St, Frankfort, KY 40601
Park Community Credit Union Park Community CU was founded in 1965 and has 80,000 members from 17 credit unions in Kentucky. The first members were General Electric employees at Appliance Park. Anyone can join through the Financial Fitness Association. Headquarters: 6101 Fern Valley Rd, Louisville, KY 40228 |
