Northern Kentucky Federal Credit Union

Highland Heights, KY
(859) 441-3405

Florence, KY
(859) 441-3405

Rates & Specials

Close on Any Loan and be Entered to Win a Solo Stove Yukon 2.0!

Summer is on its way! Whether you are buying a new car, planning a big event, vacationing, planning home projects, or debt consolidation, we have a low-interest loan option for you. With great rates and attentive customer service, Northern Kentucky Federal Credit Union can get you the money you need in a timely manner. And, when you close on your loan in the month of April and May 2024, you’ll be entered to win a Solo Stove Yukon 2.0 firepit! Apply today and get the money you need! You can click here to apply or call us at (859) 441-3405 to apply over the phone. We look forward to helping you!

Limited time offer. Automatic entry with loan closing. Loan approval based on credit worthiness. Credit union reserves the right to end contest at any time with no notice. Click Here for official rules and further details.

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+/A5.00%5.75%6.00%6.25%6.50%6.75%
640-679B6.25%6.50%6.75%7.00%7.25%7.50%
600-639C9.25%9.50%9.75%10.00%10.25%10.50%
599 or lessD/E15.75%16.00%16.25%16.50%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+/A6.00%6.25%6.50%6.75%7.00%7.50%8.00%
640-679B7.25%7.50%7.75%8.00%8.25%8.75%9.25%
600-639C10.25%10.50%10.75%11.00%11.25%11.75%12.25%
599 or lessD/E16.75%17.00%17.25%17.50%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 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 Share0.10% APR0.10% APY
Share Draft0.02% APR0.02% APY
IRA0.25% APR0.25% APY
Club Accounts0.10% APR0.10% 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