Auto Loans
Drive Greater
From your first car to your next upgrade, our local lending team helps you hit the road faster, with low rates, flexible terms, and friendly service that makes every mile count.
Car Buying Made Simple
Buying a car shouldn’t feel like a guessing game. Between dealership markups and confusing bank terms, it’s easy to pay more than you should.
At Greater Kentucky, we make car buying simple. Our team helps you find the right loan with transparent terms, no surprises, and local approval — so you can focus on getting the perfect ride, not stressing over paperwork.
- New or used car financing
- Refinance existing auto loans for lower payments
- Terms up to 96 months
- Fast, local approval
- GAP and Mechanical Breakdown Protection Available
Member Tip: Refinancing your auto loan could save you hundreds over the life of your loan.
What We Offer
Our Commitment to You
Real People. Real Service.
You deserve more than just competitive rates. You deserve consistency, kindness, and confidence in your financial institution. At GTKY, we’ve built our reputation on showing up — in person, online, and over the phone — with staff who know you, and processes designed to support you.
- Friendly, responsive staff in Lexington and Versailles
- Transparent explanations and guidance
- Local decisions — faster resolutions, better outcomes
- A culture built around trust and service
Earn 1% Cash Back
At Greater Kentucky Credit Union, you can also earn 1% cash back for every auto loan you refinance with us. Simply apply or ask one of our team members, and they'll get you started.
How to Get Started
(859) 231-9300
Talk to a Team Member
memberservice@gtkycu.com
Email a Team Member
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How do I join Greater Kentucky Credit Union?
You can become a member online in just a few minutes or visit one of our Lexington or Versailles branches. Membership is open to anyone who lives, works, worships, or studies in Central Kentucky. Learn more.
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How do I choose the right account for me?
Our team is here to help you find the perfect fit. Whether you’re looking for everyday checking, a high-yield savings account, or both, we’ll walk you through your options and make the process simple.
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What happens after I open my account?
Once your account is active, you’ll enjoy better rates, fewer fees, and ongoing support from real local people who care about your success.
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Can I manage my account online or on my phone?
Yes! GTKY offers full-service online and mobile banking with secure access to your balances, transfers, mobile deposits, bill pay, and more — available 24/7 from anywhere.
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Are there fees to open or maintain my account?
Most GTKY checking and savings accounts come with no monthly fees or minimum balance requirements. We believe in transparency — no surprises, just better banking.
Better Checking, Greater Service
"Heard they were offering 4% annually on a checking account, so I opened an account for my wife and I. Process could not have gone any smoother! Shoutout to Susan for making the process extremely simple and straightforward. The staff I've spoken to have all been pleasant and seem knowledgeable about current offers and rates."
Jacob S.
Lexington, KY
Refinance & Greater Savings
"Greater Kentucky Credit Union was a lifesaver for me! I was paying an extremely high interest rate on my auto loan. Greater Kentucky Credit Union was able to cut my rate in half, reduce the term of my loan, and save me money on my monthly payments. They also helped me open a fantastic account with an amazing interest rate."
Evan B.
Lexington, KY
High Yield Checking
"My husband and I moved to Lexington from out of state, and we were looking for the right financial institution for us—one that wasn’t too big and offered top notch customer service and a personalized experience. We have been thrilled with the cashback from our high yield checking account and the services we have received thus far. The Lexington branch is convenient to both our places of work, and mobile banking works well for us."
Brittany D.
Lexington, KY
