Northern Kentucky Federal Credit Union

Highland Heights, KY
(859) 441-3405

Florence, KY
(859) 441-3405

Help & Resources

What to do if your debit or credit card is lost or stolen?

During credit union hours, please contact us at (859) 441-3415.
To report your debit\ATM card lost or stolen after credit union hours, please call 1-800-528-2273.
To report your Visa card lost or stolen after credit union hours, please call 1-800-808-7230.

Pay your Visa Card

Visit the following website to pay your Visa Card and/or check your visa card balance and transactions.


As of January 1st, 2024, the Dividend Rate and Annual Percentage Yield (APY) for the following accounts is:

Share AccountRegular ShareShare DraftIRA AccountChristmas ClubVacation Club
Dividend Rate0.20%0.05%0.25%0.20%0.20%
Annual % Yield0.20%0.05%0.25%0.20%0.20%
Dividends CompoundedQuarterlyQuarterlyQuarterlyQuarterlyQuarterly
Dividends CreditedQuarterlyQuarterlyQuarterlyQuarterlyQuarterly
Minimum Opening Balance$5.00NoneNoneNoneNone
Balance Comp. MethodAvg. Daily BalanceAvg. Daily BalanceAvg. Daily BalanceAvg. Daily BalanceAvg. Daily Balance
Minimum Balance Required to Earn Dividends$5.00NoneNoneNoneNone
Account LImitationsAccount Transfer LimitationNoneNoneAccount Transfer LimitationNone
  1. RATE INFORMATION – The dividend Rate and Annual Percentage Yield for each account are set forth above. Dividend Rate and APY for all accounts may change quarterly, as determined by the Board of Directors.
  2. COMPOUNDING AND CREDITING – Dividends will be compounded and credited as set forth above. For all accounts the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1 and the ending date of such dividend ending period is March 31.
  3. MINIMUM BALANCE REQUIREMENTS – The minimum balance required to open each account is set forth above.
  4. BALANCE COMPUTATION METHOD – Dividends are calculated by the Average Daily Balance Metod. This method applies a daily periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day and dividing that figure by the number of days in the period.
  5. ACCRUAL OF DIVIDENDS – Dividends begin to accrue on the business day you deposit non-cash (checks) to your account.
  6. TRANSACTION LIMITATIONS – a. The account limitations for each account are set forth above. For those accounts indicated that transaction limitations apply, no more than six (6) pre-authorized, automatic, telephone transfers may be made from these accounts to another account of yours or to a third party in any month, and no more than three (3) of these six (6) transfers may be made by check, draft, or debit card to a third party. If you exceed these limitations, your accounts may be subject to a fee or be closed. b. For Christmas accounts, other than the annual club withdrawal and except for the firsts 7 days after the account is open, and withdrawal may cause account to be closed.
  7. NATURE OF THE DIVIDENDS – Dividends are paid from current income and available earnings after required ransfers to reserves at the end of a dividend period.
NSF Return Fee*$30.00 per unpaid, reinitiated and/or resubmitted item*
Courtesy Pay Fee$30.00 per item
Stop Pay Fee$30.00 per item
Copy of Share Draft$3.00 per item
Safe Deposit Box Fee$35.00 annually
Fee for ATM Transaction*$1.00 per transaction over first two (2) per month
Loan Origination FeeVaries by loan type, $25 and up
Loan Collateral Insurance Fee$25.00
Late Fee for Loans$25.00
Late Fee for VISA credit cards$20.00
Account Research$15.00 per hour
Excessive Share WithdrawalNo fee
Check Cashing Fee1% of total check, if the balance in your account is under $100
ATM/Debit Card Replacement Fee1 Free per year, then $10.00 per card replaced
Wire Transfer Fee$15.00 per wire
IRS Levy Processing Fee$20.00
Statement Copies$1.00 per page
International Transaction Fee1% of total transaction on Debit/ATM
Teller Check Fee1 free per day, after $1 per check
Money Order Fee$1 per item
Dormant Account Fee$20.00 per year
Fee for Share Draft PrintingVaries by style and quantity
* You may be charged more than once per item.

9. BONUSES – On share Draft Checking accounts, the first 50 share drafts are given at no cost to the member. a. Free checks only apply to standard style. b. Free local fax service. c. Free copied up to five per month.

10. PAR VALUE OF SHARES – The par value of regular shares is this credit union is $5.00. The dividend period of the credit union is identified in Section 2 “Compounding and Crediting”.

Member accounts in this credit union are federally insured by the National Credit Union Share Insurance Fund.


  1. Payment of Overdrafts. If on any day, the available balance in your share or deposit account is not sufficient to pay the full amount of a check, draft, transaction, or other item, plus any applicable fee, that is posted to your account, we may return the item or pay it, as described below. The Credit Union’s determination of an insufficient available account balance may be made at any time between presentation and the Credit Union’s midnight deadline with only one review of the account required. We do not have to notify you if you account does not have a sufficient available balance in order to pay an item. Your account may be subject to a fee for each item regardless of whether we pay or return the item. We may charge a fee each time an item is submitted or resubmitted for payment; therefore, you may be assessed more than one fee as a result of a returned item and resubmission(s) of the returned item. If we offer standard overdraft services, this service allows us to authorize payment for the following types of transactions regardless of whether your share or deposit account has sufficient funds: (1) share drafts/checks and other transactions made using your checking account, except as otherwise described below; (2) automatic bill payments; (3) and ACH transactions. For ATM and one-time debit card transactions, you must affirmatively consent to such coverage. Without your consent, the Credit Union may not authorize and pay an ATM or one-time debit card transaction that will result in insufficient funds in your account. If you have joint accounts, you authorize us to transfer funds from another account of yours to cover an insufficient item, including transfers from a share or deposit account and fees for these transactions are shown in the document the credit union uses to capture your affirmative consent and the Schedule of Fees and Charges. Except as otherwise agreed in writing, if we exercise our right to use our discretion to pay such items that result in an insufficiency of funds in your account, we do not agree to pay them in the future and may discontinue coverage at any time without notice. If we pay these items or impose a fee that results in insufficient funds in your account, you agree to pay the insufficient amount, including the fee assessed by us, in accordance with our standard overdraft services or any other service you may have authorized with us, or if you do not have such protections with us, in accordance with any overdraft payment policy we have as applicable.
  2. How Transactions are Posted to Your Account. Basically, there are two types of transactions that affect your account: credits (deposits of money into your account) and debits (payments out of your account). It is important to understand how each is applied to your account so that you know how much money you have and how much is available to you at any given time. This section explains generally how and when we post transactions to your account. Credits. Deposits are generally added to your account when we receive them. However, in some cases when you deposit a check, the full amount of the deposit may not be available to you at the time of deposit. Please refer to the Funds Availability Policy Disclosure for details regarding the timing and availability of funds from deposits. Debits. There are several types of debit transactions. Common debit transactions are generally described below. Keep in mind that there are many ways transactions are presented for payment by merchants, and we are not necessarily in control of when transactions are received. Checks. When you write a check, it is processed through the Federal Reserve system. We receive data files of cashed checks from the Federal Reserve each day. The checks drawn on your account are compiled from these data files and paid each day. We process the payments from low to high dollar value. ACH Payments. We receive data files every day from the Federal Reserve with Automated Clearing House (ACH) transactions. These include, for example, automatic bill payments you have authorized. ACH transactions for your account are posted throughout the day in order of receipt. PIN-Based Debit Card Purchase Transactions. These are purchase transactions using your debit card for which a merchant may require you to enter your personal identification number (PIN) at the time of sale. They are processed through a PIN debit network. These transactions are similar to ATM withdraw transactions because the money is usually deducted from your account immediately at the time of the transaction. However, depending on the merchant, a PIN-based transaction may not be immediately presented for payment. Signature-Based Debit Card Purchase Transactions. These are purchase transactions using your debit card that are processed through a signature-based network. Rather than entering a PIN, you typically sign for the purchase; however, merchants may not require your signature for certain transactions. Merchants my seek authorization for these types of transactions. The authorization request places a hold on funds in your account when the authorization is completed. The “authorization hold” will reduce your available balance by the amount authorized but will not affect your actual balance. The transaction is subsequently processed by the merchant and submitted to us for payment. This can happen hours or sometimes days after the transaction, depending on the merchant and its payment processor. These payment requests are received in real time throughout the day and are posted to your account when they are received. The amount of an authorization hold my differ from the actual payment because the final transaction amount may not yet be known to the merchant when you present your card for payment. For example, if you use your debit card at a restaurant, a hold will be placed in an amount equal to the bill presented to you; but when the transaction posts, it well include any tip that you may have added to the bill. This may also be the case where you present your debit card for payment at gas stations, hotels and certain other retail establishments. We cannot control how much a merchant asks us to authorize, or when a merchant submits a transaction for payment. This is a general description of certain types of transactions. These practices may change, and we reserve the right to pay items in any other we choose as permitted by law.
  3. Understanding Your Account Balance. Your checking account has two kinds of balances: the actual balance and the available balance. Your actual balance reflects the full amount of all deposits to your account as well as payment transaction that have been posted to your account. It does not reflect checks you have written and are still outstanding or transactions that have been authorized but are still pending. Your available balance is the amount of money in your account that is available for you to use. Your available balance is the amount of money in your account that is available for you to use. Your available balance is your actual balance less: (1) holds placed on deposits; (2) holds on debit card or other transactions that have been authorized but are not yet posted; and (3) any other holds, such as holds related to pledges of account funds and minimum balance requirements or to comply with court orders. We use your available balance to determine whether there are sufficient funds in your account to pay items, including checks and drafts, as well as ACH, debit card and other electronic transactions. Pending transactions cause your account to become overdrawn regardless of your actual balance. In such cases, subsequent posting of the pending transactions may further overdraw your account and be subject to additional fees. You should assume that any item which would overdraw your account based on your available balance may create an overdraft. You may check your available balance online at, at an ATM, by visiting a credit union branch or by calling us at (859) 441-3405.

Exclusive Savings for Credit Union Members

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Love My Credit Union Rewards. Exclusive Savings For Credit Union Members

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Waddell & Reed Financial Advisors

Organize your financial life with a consolidated view of your accounts, transactions and investments. Work directly with me to set budgets and create a plan to pursue your financial goals. Visit (external link)

Buying a Car |

Negotiations often have a vocabulary of their own. Here are some terms you may hear when you’re talking price. Invoice Price is the manufacturer’s initial charge to the dealer. This usually is higher than the dealer’s final cost because dealers receive rebates, allowances, discounts and incentive awards.

Buying a Car: (external link)

Fraud Prevention Center |

Each year scam artists and identity thieves steal billions of dollars from unsuspecting consumers. Learn how to recognize common scams and what you can do to protect your finances.

Fraud Prevention: (external link)

Saving & Investing |

Many people just like you turn to the markets to help buy a home, send children to college, or build a retirement nest egg. But unlike the banking world, where deposits are guaranteed by federal deposit or share insurance, the value of stocks (opens new window), bonds (opens new window), and other securities fluctuates with market conditions.No one can guarantee that you’ll make money from …

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Loan Calculator by ~ Calculate Loan Payments

The Credit Union Loan Calculator is a quick and easy way to estimate a monthly payment for any type of loan, including an amortization schedule. Simply fill in the Loan Amount, Interest Rate, the Term, and click ‘Calculate’.

Loan Calculator: (external link)

Rates & Specials