Northern Kentucky Federal Credit Union

Highland Heights, KY
(859) 441-3405

Florence, KY
(859) 441-3405

Rates & Specials

  • Our car loans are as low as 4.99%*! If you have gotten a car loan in the past few years, it is likely we can save you some money! Refinance with us and not only will you be saving money on interest, but WE WILL GIVE YOU $100-$200!!! Refinance your auto loan of $10,000 or more and we’ll give you $100**. Refinance your auto loan of $20,000 or more and we’ll give you $200**! Loans currently with the credit do not apply for promotion. Read fine print for all details. It doesn’t cost anything to see how much we can save you. Apply right now by clicking here! Or call (859) 441-3405 and speak with any member service representative to see how much money we can save you!

*All rates subject to change. The rate you receive is based on your credit worthiness and term of loan. APR=Annual Percentage Rate. Member loyalty discount available on select loans.

**Credit and collateral subject to approval. Existing NKFCU loans are not eligible for this offer. Auto refinance loan must be at least $10,000. Loan must be open for at least 60 days with first scheduled payment made to be eligible for the $100-$200, which will be credited to the primary applicant’s savings account between 61 and 65 days of the loan origination date. Offer may end at any time. Recipient is solely responsible for any personal tax liability arising out of this incentive.

  • Loan payment cramping your summer vacation vibe? We can help with that 😉 For just $25 you can skip your June, July, or August loan payment to free up some funds for summer fun! Restrictions do apply. Please fully read the Skip-a-Pay form before turning in. Also check out our full Skip-a-Pay by clicking here. Happy skipping!

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+/A4.99%5.50%5.75%6.00%6.25%6.50%
640-679B6.25%6.25%6.50%6.75%7.00%7.25%
600-639C9.25%9.25%9.50%9.75%10.00%10.25%
599 or lessD/E15.75%15.75%16.00%16.25%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 2024-2018 model years.
60 month term available on 2017-2014 model years.
36 month term available on 2013 and older model years.

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

Credit Score24mo36mo48mo60mo72mo96mo120mo
680+A+/A5.75%6.00%6.25%6.50%6.75%7.25%7.75%
640-679B7.00%7.25%7.50%7.75%8.00%8.50%9.00%
600-639C10.00%10.25%10.50%10.75%11.00%11.50%12.00%
599 or lessD/E16.50%16.75%17.00%17.25%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 2024-2023 model years
96 month term available on 2023-2022 model years
72 month term available on 2023-2021 model years
60 month term available on 2023-2019 model years
48 month term available on 2023-2017 model years
36 month term available on 2023-2015 model years
24 month term available on 2014 and older model years

Unsecured Loans

HOLIDAY SPECIAL: Receive 0.50% off the normal rate received on unsecured signature loans up to $5,000! New money only – refinances do not qualify for special. All loans must meet requirements per loan policies.

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% = 8.25%Prime + 1 = 9.50%9.50%10.50%
640-679BPrime + 1% = 9.50%Prime + 2 = 10.50%10.50%11.50%
600-639CPrime + 3 = 11.50%Prime + 4 = 12.50%12.50%13.50%
599 or lessD/EPrime + 5 = 13.50%Prime + 6 = 14.50%14.50%15.50%

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 Share0.20% APR0.20% APY
Share Draft0.05% APR0.05% APY
IRA0.25% APR0.25% APY
Club Accounts0.20% APR0.20% APY
All Rates Subject to Change

Certificate Rates

$500 Minimum

3 Month3.00% APR3.00% APY
6 Month3.00% APR3.00% APY
12 Month3.75% APR3.75% APY
18 Month4.25% APR4.25% APY
24 Month4.25% APR4.25% APY

$1,000 Minimum

3 Month3.00% APR3.00% APY
6 Month3.00% APR3.00% APY
12 Month3.75% APR3.75% APY
18 Month4.25% APR4.25% APY
24 Month4.25% APR4.25% APY

$5,000 Minimum

3 Month3.00% APR3.00% APY
6 Month3.00% APR3.00% APY
12 Month3.75% APR3.75% APY
18 Month4.25% APR4.25% APY
24 Month4.25% APR4.25% APY

$10,000 Minimum

3 Month3.00% APR3.00% APY
6 Month3.00% APR3.00% APY
12 Month3.75% APR3.75% APY
18 Month4.25% APR4.25% APY
24 Month4.25% APR4.25% 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