Personal Loans
Borrow for What Matters Most.
From covering unexpected costs to consolidating debt, our personal loans help you move forward, without credit card rates or fine print.
Personal Loans, Personal Service
Life happens — and when it does, you need a lender who sees you as more than your credit score.
We take time to understand your situation and find a loan that fits your life. With straightforward terms, quick approvals, and no hidden fees, you can handle the unexpected and get back to what matters most.
- Apply Online or In Branch – Simple, secure, and fast.
- Review Your Options – We’ll help you choose what fits best.
- Use Funds Your Way – Debt payoff, medical bills, home repairs, or travel.
Getting Started
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.
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
