Northern Kentucky Federal Credit Union

Highland Heights, KY
(859) 441-3405

Florence, KY
(859) 331-3447

Rates & Specials

CURRENT LOAN SPECIAL: 1.00% OFF NORMAL RATES LISTED BELOW! (EXCLUDING CREDIT CARDS AND HOME EQUITY LOANS; LOANS MUST HAVE AT LEAST $1000 IN NEW MONEY TO RECEIVE DISCOUNT) LIMITED TIME ONLY! SAVE MONEY TODAY!

New Vehicle Rates

Credit Score12mo36mo48mo60mo72mo84mo
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 Score12mo36mo48mo60mo72mo84mo
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 term available on 2019-2018 model years – only on amounts of $10,000 or more.
60 month term available on 2019-2016 model years
48 month term available on 2015-2014 model years
36 month term available on 2013-2012 model years
24 month term available on 2011 and older
100,000 miles or less only; No salvage or rebuilt titles

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

Credit Score12mo36mo48mo60mo72mo84mo
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: 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 Month0.10% APR0.10% APY
6 Month0.10% APR0.10% APY
12 Month0.10% APR0.10% APY
18 Month0.15% APR0.15% APY
24 Month0.15% APR0.15% APY

$1,000 Minimum

3 Month0.10% APR0.10% APY
6 Month0.10% APR0.10% APY
12 Month0.10% APR0.10% APY
18 Month0.15% APR0.15% APY

$5,000 Minimum

3 Month0.10% APR0.10% APY
6 Month0.10% APR0.10% APY
12 Month0.10% APR0.10% APY
18 Month0.15% APR0.15% APY

$10,000 Minimum

3 Month0.10% APR0.10% APY
6 Month0.10% APR0.10% APY
12 Month0.10% APR0.10% APY
18 Month0.15% APR0.15% 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