Loans

Borrow Better with Greater Kentucky Credit Union

Whether you’re buying a car, a home, or simply need extra funds, we make borrowing simple, local, and stress-free — with great rates and guidance every step of the way.

Auto Loans

New or used cars, refinancing

Mortgages & HELOC

Buying, refinancing, home improvements

College expenses or refinancing education debt

Student Loans

Personal Loans

Debt consolidation, vacations, emergencies

Make A Payment

Convenient options for making a loan payment

Local Decision-Making.

Personalized Loans.

Many lenders make borrowing confusing — endless paperwork, generic offers, and no one who really listens. You deserve a financial partner who cares about your goals, not just your loan balance.

For over 70 years, Greater Kentucky Credit Union has helped our members move forward confidently — with local decision-making, honest guidance, and rates designed to help you save.

Mortgages & HELOCs

Our Process

1. Explore Your Options
 Find the loan that fits your next goal.

2. Apply in Minutes
 Online or in person, our local lending team reviews every application with care.

3. Move Forward with Confidence
Enjoy competitive rates, flexible terms, and personal support you won’t find at a national bank.

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Local Member Spotlight

"I’ve been a member at GTKY for over a decade, and I can honestly say it’s been the best banking experience I’ve ever had.

Unlike big banks, they truly take the time to know their members and provide personalized service. Every interaction I’ve had whether in person, online, or over the phone has been friendly, efficient, and professional."


Josh L. – Member

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Join Thousands of Kentuckians Who Think Greater

For more than 70 years, GKCU has served generations of Kentuckians with honest banking and dependable service.

As a not-for-profit, member-owned credit union, we reinvest profits back into our members and community. That means better rates, lower fees, and people who actually care.

We’re not just your bank — we’re your neighbor.

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How to Get Started

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(859) 231-9300
Talk to a Team Member

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memberservice@gtkycu.com
Email a Team Member

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.