Northern Kentucky Federal Credit Union

Highland Heights, KY
(859) 441-3405

Florence, KY
(859) 441-3405

About Us

In 1973, a group of Northern Kentucky University employees decided to create Northern Kentucky Educators’ Federal Credit Union. While we began as a credit union for NKU employees, we soon grew to include over 30 businesses and school districts.

In 2021, we realized many bus drivers, cafeteria workers and other school employees had no idea that they could be a part of the credit union, so we changed our name to Northern Kentucky Federal Credit Union. We wanted a name that would make it clear that ALL school employees are welcome.  

Also, in 2021, we welcomed the C&O United Credit Union to our credit union family.  C&O United Credit Union was founded in 1929, and is one of the oldest credit unions in the greater Cincinnati area.

We are proud of how much we’ve grown over the years, and are excited to see where the future takes us while we continue to provide personalized and friendly service to all of our members.  Because at Northern Kentucky Federal Credit Union, every transaction is a human interaction; and that will never change.

The Big Picture

Northern Kentucky Federal Credit Union is a place for people, here to help you achieve your dreams and financial goals.

Our Mission

Northern Kentucky Federal Credit Union is a not-for-profit financial institution that is owned and operated by its members, for its members. Northern Kentucky Federal Credit Union subscribes to the following guiding principles:

  • To safeguard the assets of our members to ensure the long-term standing of the credit union.
  • To comply with all applicable laws, by-laws, policies, rules and regulations.
  • To encourage regular savings, promote thrifts, offer loans and provide such services as required by our members.
  • To maintain confidentiality regarding members’ affairs.


Northern Kentucky Federal Credit Union is a fun, dynamic, and all around wonderful place to work! Contact us for open positions!

Rates & Specials