Northern Kentucky Federal Credit Union

Highland Heights, KY
(859) 441-3405

Florence, KY
(859) 441-3405

Rates & Specials

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Member Loyalty Discount: If a member had direct deposit/payroll deduction, we will offer a discount of 0.25% off the current loan rate on vehicle, unsecured (signature) loans, and home equity loans.

New/Used Vehicle Rates

Credit Score24mo36mo48mo60mo72mo84mo
680+A+/A4.25%5.00%5.25%5.50%5.75%6.00%
640-679B5.50%5.75%6.00%6.25%6.50%6.75%
600-639C8.50%8.75%9.00%9.25%9.50%9.75%
599 or lessD/E15.00%15.25%15.50%15.75%N/AN/A
NOTE: 72 month loans only available on amounts of $10,000 or more.
NOTE: 84 month loans only available on amounts of $20,000 or more.
NOTE: 84/72 month term available on 2022-2017 model years.
60 month term available on 2016-2013 model years.
36 month term available on 2012 and older model years.

New/Used Recreational Vehicles
Motorcycle, Boat, Camper & RV

Credit Score24mo36mo48mo60mo72mo96mo120mo
680+A+/A5.00%5.25%5.50%5.75%6.00%6.50%7.00%
640-679B6.25%6.50%6.75%7.00%7.25%7.75%8.25%
600-639C9.25%9.50%9.75%10.00%10.25%10.75%11.25%
599 or lessD/E15.75%16.00%16.25%16.50%N/AN/AN/A
NOTE: The maximum loan amount for a new recreational vehicle is $75,000 (without board approval)
The maximum loan amount for a used recreational vehicle is $50,000 (without board approval)
120 month loans must be $35,000 or more (without board approval)
NOTE: 120 month term available on 2022 model years
96 month term available on 2022-2021 model years
72 month term available on 2022-2020 model years
60 month term available on 2022-2018 model years
48 month term available on 2022-2016 model years
36 month term available on 2022-2014 model years
24 month term available on 2013 and older model years

Unsecured Loans

Credit Score12mo
680+A+/A9.00%
640-679B12.00%
600-639C15.00%
599 or lessD/E18.00%
NOTE: Unsecured loans can not exceed $10,000

Current Home Equity Rate

Credit ScoreHELOC VRL up to 80% LTVHELOC VRL up to 90% LVTHOME EQUITY 2nd Fixed 80% LTVHOME EQUITY 2nd Fixed 90% LTV
680+A+/APrime – 0.25% = 7.25%Prime + 1 = 8.50%8.50%9.50%
640-679BPrime + 1% = 8.50%Prime + 2 = 9.50%9.50%10.50%
600-639CPrime + 3 = 10.50%Prime + 4 = 11.50%11.50%12.50%
599 or lessD/EPrime + 5 = 12.50%Prime + 6 = 13.50%13.50%14.50%

Share/CD Secured Loans

2.00% above what is being earned at the time of advance.


Visa Credit Cards

Credit ScoreRate
680+A+/APlatinum 8.99%
600-679B/CGold 11.99%
599 or lessD/EClassic 17.99%
No Discounts Offered

Share Rates

Regular Share0.02% APR0.02% APY
Share Draft0.00% APR0.00% APY
IRA0.10% APR0.10% APY
Club Accounts0.02% APR0.02% APY
All Rates Subject to Change

Certificate Rates

$500 Minimum

3 Month0.25% APR0.25% APY
6 Month0.25% APR0.25% APY
12 Month0.25% APR0.25% APY
18 Month0.50% APR0.50% APY
24 Month0.50% APR0.50% APY

$1,000 Minimum

3 Month0.25% APR0.25% APY
6 Month0.25% APR0.25% APY
12 Month0.25% APR0.25% APY
18 Month0.50% APR0.50% APY
24 Month0.50% APR0.50% APY

$5,000 Minimum

3 Month0.25% APR0.25% APY
6 Month0.25% APR0.25% APY
12 Month0.25% APR0.25% APY
18 Month0.50% APR0.50% APY
24 Month0.50% APR0.50% APY

$10,000 Minimum

3 Month0.25% APR0.25% APY
6 Month0.25% APR0.25% APY
12 Month0.25% APR0.25% APY
18 Month0.50% APR0.50% APY
24 Month0.50% APR0.50% APY
All Rates Subject to Change
The rate you receive is based on your credit worthiness and term of loan
*Member Loyalty Discount Available on Select Loans
Rates & Specials