Home Mortgages & HELOCs
Home Is Where You Build Greater.
Whether you’re buying, refinancing, or tapping into home equity, we make it easy to find financing that fits your family, with expert guidance from people who know the Bluegrass market.
Local Rates, Trusted Service
You deserve local people who care about your story, not another automated system that keeps you waiting.
We’ve helped Kentucky families achieve homeownership for generations. Our mortgage team walks with you from application to closing, offering clear communication and dependable service every step of the way.
- Connect with Our Local Team: Tell us about your home goals.
- Explore Loan Options: Choose from conventional, FHA, VA, or HELOC solutions.
- Close with Confidence: We’ll guide you through every document and deadline.
Getting Started
Our Loan Options
- Fixed & Adjustable-Rate Mortgages:
Predictable payments or flexible term - First-Time Homebuyer Programs:
Low down payment and guidance every step - Refinance Options:
Lower your rate or shorten your term
- Home Equity Line of Credit (HELOC):
Access funds for remodels, tuition, or debt consolidation
How to Get Started
(859) 231-9300
Talk or text with a Team Member
memberservice@gtkyu.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.
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
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."
