Northern Kentucky Federal Credit Union

Highland Heights, KY
(859) 441-3405

Florence, KY
(859) 331-3447

Rates & Specials

CURRENT LOAN SPECIALS:

  • Close on a mortgage loan and get a $100 Lowes gift card*!
    • * Lowes gift card promotion is for a limited time only.  NKFCU reserves the right to cancel promotion at any time without notice.  To receive $100 Lowes gift card, you must close on a mortgage loan at NKFCU with at least $10,000 of new money.  Lowes gift card promotion is not available with any other deals or promotions.  Please call (859) 441-3405 if you have further questions.
  • Close on an auto loan and get $75 for your first tank of gas*!
    • * Tank of gas promotion is for a limited time only.  NKFCU reserves the right to cancel promotion at any time without notice. $75 will be placed in main account holder’s account after an auto loan of $10,000 or more in new money is financed for the purchase of a car. Tank of gas promotion is not available with any other deals or promotions.  Please call (859) 441-3405 if you have further questions.
  • Get 1.25% off* the current loan rate when you refinance your vehicle from another financial institution to NKFCU!
    • *This is a limited time offer.  NKFCU reserves the right to end promotion at any time.  Member must refinance vehicle from another financial institution for discount to apply.  Internal refinances are not eligible for special.  Only one (1) discount can be applied per loan and cannot be combined with any other offers or specials.  Subject to credit approval.  For other disclaimers, restrictions, or questions please call the credit union at (859) 441-3405.

New Vehicle Rates

Credit Score24mo36mo48mo60mo72mo84mo
730+A+2.00%2.75%3.00%3.25%3.50%3.75%
680 – 729A3.25%3.50%3.75%4.00%4.25%4.50%
640 – 679B4.25%4.50%4.75%5.00%5.25%5.50%
600 – 639C8.25%8.50%8.75%9.00%9.25%9.50%
550 – 599D11.25%11.50%11.75%12.00%N/AN/A
549 or lessE14.25%14.50%14.75%15.00%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

Used Vehicle Rates

Credit Score24mo36mo48mo60mo72mo
730+A+2.75%3.00%3.25%3.50%3.75%
680 – 729A3.50%3.75%4.00%4.25%4.50%
640 – 679B4.50%4.75%5.00%5.25%5.50%
600 – 639C8.50%8.75%9.00%9.25%9.50%
550 – 599D11.50%11.75%12.00%12.25%N/A
549 or lessE14.50%14.75%15.00%15.25%N/A
NOTE: 72 month term available on 2021-2020 model years – only on amounts of $10,000 or more.
60 month term available on 2019-2018 model years
48 month term available on 2017-2016 model years
36 month term available on 2015-2014 model years
24 month term available on 2013 and older
100,000 miles or less only; No salvage or rebuilt titles

Recreational Vehicles (New and Used)
Motorcycle, Boat, Camper & RV

Credit Score24mo36mo48mo60mo72mo96mo120mo
730+A+3.25%3.50%3.75%4.00%4.25%4.75%5.25%
680 – 729A4.00%4.25%4.50%4.75%5.00%5.50%6.00%
640 – 679B5.00%5.25%5.50%5.75%6.00%6.50%7.00%
600 – 639C9.00%9.25%9.50%9.75%10.00%10.50%11.00%
550 – 599D12.00%12.25%12.50%12.75%N/AN/AN/A
549 or lessE15.00%15.25%N/AN/AN/AN/AN/A
NOTE: The maximum loan amount for a new boat is $50,000
The maximum loan amount for a used boat is $30,000
72 month loans must be $25,000 or more
96 month loans must be $35,000 or more
120 month loans must be $45,000 or more

Unsecured Loans

Credit Score12mo
730+A+9.00%
680 – 729A10.00%
640 – 679B12.00%
600 – 639C15.00%
550 – 599D18.00%
549 or lessE18.00%
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
730+A+Prime – 0.25% = 3.00%Prime + 1 = 4.25%4.25%5.25%
680 – 729APrime – 0.25% = 3.00%Prime + 1 = 4.25%4.25%5.25%
640 – 679BPrime + 1 = 4.25%Prime + 2 = 5.25%5.25%6.25%
600 – 639CPrime + 3 = 6.25%Prime + 4 = 7.25%7.25%8.25%
550 – 599DPrime + 4 = 7.25%Prime + 5 = 8.25%8.25%9.25%
549 or lessEPrime + 5 = 8.25%Prime + 6 = 9.25%9.25%10.25%
No Discounts Offered

Share/CD Secured Loans

3.5% above what is being earned at the time of advance.


Visa Credit Cards

Credit ScoreRate
Thru 680A+, APlatinum 8.99%
679 – 600B, 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 Month0.05% APR0.05% APY
6 Month0.05% APR0.05% APY
12 Month0.05% APR0.05% APY
18 Month0.10% APR0.10% APY
24 Month0.10% APR0.10% APY

$1,000 Minimum

3 Month0.05% APR0.05% APY
6 Month0.05% APR0.05% APY
12 Month0.05% APR0.05% APY
18 Month0.10% APR0.10% APY
24 Month0.10% APR0.10% APY

$5,000 Minimum

3 Month0.05% APR0.05% APY
6 Month0.05% APR0.05% APY
12 Month0.05% APR0.05% APY
18 Month0.10% APR0.10% APY
24 Month0.10% APR0.10% APY

$10,000 Minimum

3 Month0.05% APR0.05% APY
6 Month0.05% APR0.05% APY
12 Month0.05% APR0.05% APY
18 Month0.10% APR0.10% APY
24 Month0.10% APR0.10% 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