Experience a smooth ride to vehicle financing.
Get from Point A to Point B with the white-glove servicing that comes with an auto loan from KUE.
Benefits You’ll Love
- Explore competitive rates for new or used vehicles
- Get low, members-only rates when you refinance
- Take advantage of GAP Coverage
- Be pre-approved before you visit the dealership
- Get behind the wheel of your next new or used vehicle
- Finance RV and Boat purchases as well1
- Convenient terms and payment options
- Payroll deductions available for stress-free payments
- Low, members-only rates
- No payoff penalties
- Pair with a Loan Savings Account to make preparing for payments easy
- Quick, easy approval process
- Local decisioning and processing
- GAP Coverage for qualifying vehicles
- Extended warranty on your vehicle
- New vehicle financed at 100% of final purchased price
- Used vehicles financed at the NADA retail value
- Compare options and pricing with our NADA Pricing Guide
Make payments easier with a loan savings account!
Set up automatic transfers to a loan savings account on your schedule, and we’ll take care of the rest. Every month, on your loan due date, we’ll automatically pull the funds from your loan savings account and make your loan payments.
What’s even better? This ensures you a 0.25% discount on your loan rate.
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1 80% Retail Value on Recreation Vehicles
*Insurance products sold through or in the credit union are not insured by the National Credit Union Administration and are not issued, guaranteed, or underwritten by the credit union or the National Credit Union Administration or any other federal government agency.
** There is no requirement or obligation to purchase insurance from the credit union or any subsidiary, affiliate, or particular unaffiliated third party as a condition to obtaining a loan, and a decision as to insurance agents will not affect the credit terms in any way. The credit union may not condition an extension of credit on an agreement not to obtain, or a prohibition on the applicant from obtaining an insurance product or annuity from an unaffiliated entity.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificates can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Certificates of Deposit (CDs) – Share, Education, IRA, and Roth IRA
| Period | Min Balance | Payment | Rate | APY* |
|---|---|---|---|---|
| 6 Month | $1,000.00 | Monthly | 4.451% | 4.501% |
| 1 Year | $1,000.00 | Monthly | 2.374% | 2.400% |
| 2 Years | $1,000.00 | Monthly | 2.472% | 2.500% |
| 3 Years ** | $1,000.00 | Monthly | 2.765% | 2.800% |
| 5 Years ** | $1,000.00 | Monthly | 2.862% | 2.900% |
Rates as of October 17, 2024.
* Annual Percentage Yield. Rates offered are subject to change without notice. Certificates of Deposits are subject to a penalty for early withdrawal.
** Certificate of Deposits with 3 or 5 year maturities, you can step-up your rate one time during the term of the certificate.
Christmas Club Accounts
| Min Balance | Period | Rate | APY* |
|---|---|---|---|
| $5.00 | Monthly | 0.20% | 0.20% |
Rates as of October 2, 2023.
* Annual Percentage Yield. Calculation based on $100,000. Dormant fees could reduce the earnings on an account. Rates offered are subject to change without notice.
Credit Cards
| Type | Grace Period | Annual Fee | APR* |
|---|---|---|---|
| Visa Platinum | 25 days | $0.00 | As low as 9.90% |
Rates as of January 9, 2017.
* Annual Percentage Rate. Rates offered are subject to change without notice. Your rate may be higher based on your credit history.
Financial Services
KUE offers a full range of financial services.
| Service | Service Cost |
|---|---|
| Excessive Transaction Fee | $5.00 per transaction over 6 items per month (savings accounts) |
| Starter Checks | $2.50 per 8 Checks |
| Money Orders | 2 Free per Month, $1.00 for each additional |
| Cashier’s Check | $5.00 per request |
| Stop Payment | $10.00 per request |
| Returned Check | $30.00 per item |
| Courtesy Pay | $10.00 per item |
| Photo Copy | $2.00 per request |
| Copy of Statement | $5.00 per Month |
| Debit Card Replacement | $10.00 for 2nd request (and any additional requests) within a 12-month period |
| Outgoing Wire Transfer | $20.00 Domestic per request / $35.00 International per request |
| Incoming Wire Transfer | $5.00 per request |
| Dormant Account | $12.50 per quarter, after 2 years of inactivity |
| Notary Service | Free for Members |
Instructions To Wire Funds To KUE Federal Credit Union:
Wire Funds To:
Corporate One FCU
Columbus, OH
ABA Number: 244084264
Further Credit To:
KUE Federal Credit Union
Lexington, Kentucky
Account Number: 242186258
Final Credit To:
Your Name
Your KUE FCU Member/Account Number
Amount: $__________________
Note: For a guarantee on funds, ALL wire transfers must be deposited through Corporate One Federal Credit Union then deposited into KUE Federal Credit Union. For same day availability, all wire transfers must be called in before 3:00pm in order to post into the account the same day. If you have any questions please do not hesitate to call.
Home Equity Loan
| Type | Terms | APR* |
|---|---|---|
| Fixed Rate with Fixed Terms | Up to 10 years | As low as 6.75% |
Call Credit Union at (859) 367-1230 for current rates.
Rates effective as of August 1, 2023 and are subject to change without notice. This credit union and its policies comply with Equal Credit Opportunity Act. All credit offers and rates subject to approval. Rate based on credit eligibility and is subject to change. Your rate may be higher based on your credit history. Refinancing not available for existing KUE mortgage loans.
* Annual Percentage Rate.
Home Equity Open-End Line of Credit
| Type | Terms | APR* |
|---|---|---|
| Home Equity Open-End Line of Credit | Up to 20 years | Prime minus 1% |
Call Credit Union at (859) 367-1230 for current rates.
Rates effective as of October 1, 2023 and are subject to change without notice. This credit union and its policies comply with Equal Credit Opportunity Act. All credit offers and rates subject to approval. Rate based on credit eligibility and is subject to change. Your rate may be higher based on your credit history. Refinancing not available for existing KUE mortgage loans.
* Annual Percentage Rate.
Kasasa Cash
| Min Balance | Period | Rate | APY* |
|---|---|---|---|
| $5.00 | Monthly | 4.00% | 4.00% |
| $10,000.01 | Monthly | 0.25% | 0.25% |
Rates as of April 1, 2023.
* Annual Percentage Yield. Calculation based on $100,000. Dormant fees could reduce the earnings on an account. Rates offered are subject to change without notice.
Kasasa Saver
| Min Balance | Period | Rate | APY* |
|---|---|---|---|
| $5.00 | Monthly | 0.75% | 0.75% |
| $10,000.01 | Monthly | 0.20% | 0.20% |
Rates as of April 1, 2023.
* Annual Percentage Yield. Calculation based on $100,000. Dormant fees could reduce the earnings on an account. Rates offered are subject to change without notice.
Loan Savings Accounts
| Min Balance | Period | Rate | APY* |
|---|---|---|---|
| $5.00 | Monthly | 0.20% | 0.20% |
Rates as of October 2, 2023.
* Annual Percentage Yield. Calculation based on $100,000. Dormant fees could reduce the earnings on an account. Rates offered are subject to change without notice.
Mortgage Loans
| Type | Terms | APR* |
|---|---|---|
| First Mortgage | Up to 30 years | Call for current fixed rate or apply online. |
Call Credit Union at (859) 367-1230 for current rates.
* Annual Percentage Rate. Rates offered are subject to change without notice. This credit union and its policies comply with Equal Credit Opportunity Act. All credit offers and rates subject to approval. Rate based on credit eligibility and is subject to change. Your rate may be higher based on your credit history. Refinancing not available for existing KUE mortgage loans.
Other Share/Savings Accounts
| Account | Min Balance | Period | Rate | APY* |
|---|---|---|---|---|
| IRA Shares | $5.00 | Monthly | 0.1998% | 0.20% |
| Education Shares | $5.00 | Monthly | 0.1998% | 0.20% |
| Roth IRA | $5.00 | Monthly | 0.1998% | 0.20% |
Rates as of October 2, 2023.
* Annual Percentage Yield. Calculation based on $100,000. Dormant fees could reduce the earnings on an account. Rates offered are subject to change without notice.
Share Savings Accounts
| Account | Min Balance | Period | Rate | APY* |
|---|---|---|---|---|
| Regular Shares | $5.00 | Monthly | 0.20% | 0.20% |
| Regular Shares | $20,000.01 | Monthly | 0.80% | 0.80% |
| Special Shares | $5.00 | Monthly | 0.20% | 0.20% |
| Special Shares | $20,000.01 | Monthly | 0.80 % | 0.80% |
Rates as of October 2, 2023.
* Annual Percentage Yield. Calculation based on $100,000. Dormant fees could reduce the earnings on an account. Rates offered are subject to change without notice.
Share Secured Loans
| Loan Type | Terms | APR* |
|---|---|---|
| Share Secured | Up to 72 months | 4% + Savings rate |
| Certificate Secured | Up to 72 months | 4% + CD rate |
Rates as of August 1, 2023.
* Annual Percentage Rate. Rates offered are subject to change without notice.
Signature Loans
| Loan Type | Terms | APR* |
|---|---|---|
| Unsecured | 24 months | As low as 9.50% |
| Unsecured | 36 months | As low as 10.50% |
Rates as of September 19, 2024.
* Annual Percentage Rate. Rates offered are subject to change without notice. This credit union and its policies comply with Equal Credit Opportunity Act. All credit offers and rates subject to approval. Rate based on credit eligibility and is subject to change. Your rate may be higher based on your credit history. Refinancing not available for existing KUE loans.
Vehicle Loans
100% Retail Value on Vehicles (Boats & RV’s)**
Lower your interest rate by taking advantage of the Rate Reduction Incentive.
| Loan Type | Terms | APR* |
|---|---|---|
| New | Up to 48 months | As low as 5.00% |
| New | 49 to 60 months | As low as 5.75% |
| Used Secured | Up to 48 months | As low as 6.00% |
| Used Secured | 49 to 60 months | As low as 6.75% |
Rates as of September 19, 2024.
* Annual Percentage Rate. Rates offered are subject to change without notice. This credit union and its policies comply with Equal Credit Opportunity Act. All credit offers and rates subject to approval. Rate based on credit eligibility and is subject to change. Your rate may be higher based on your credit history. Refinancing not available for existing KUE loans.
** 80% Retail Value on Recreation Vehicles.
Youth Savings Accounts
| Account | Min Balance | Period | Rate | APY* |
|---|---|---|---|---|
| Kids Club/Youth Account | $5.00 | Monthly | 2.00% | 2.00% |
| Kids Club/Youth Account | $1,500.01 | Monthly | 0.25% | 0.25% |
Rates as of October 2, 2023.
* Annual Percentage Yield. Calculation based on $100,000. Dormant fees could reduce the earnings on an account. Rates offered are subject to change without notice.