Personal Banking

Banking That Feels Personal Again

From everyday checking to high-yield savings

Savings Accounts

Earn up to 3% APY with our high-yield savings rates

Teach financial confidence early — together.

Youth Accounts

Certificates (CDs)

Lock in higher rates and guaranteed returns

Money Market Accounts

Enjoy higher earnings with flexible withdrawals

Checking Accounts

Earn cash back or high-yield dividends with no hidden fees

Modern tools. Real people who know your name.

At Greater Kentucky Credit Union, we believe banking should be simple, trustworthy, and built on real relationships — not corporate call centers.

Whether you’re opening your first checking account or growing your savings, we make it easy to bank smarter, earn more, and keep your money working for you right here in Central Kentucky.

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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Why Local Banking Matters

As a not-for-profit, member-owned credit union, we reinvest earnings back into our members — not shareholders. That means lower fees, better rates, and service that’s actually designed to help you thrive.

We’ve proudly served Lexington and Central Kentucky for over 70 years, and we still believe banking should be built on trust, relationships, and doing what’s right.
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How to Get Started

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(859) 231-9300
Talk or text with 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.

  • 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.