Northern Kentucky Federal Credit Union

Highland Heights, KY
(859) 441-3405

Florence, KY
(859) 441-3405

Rates & Specials

0.50% OFF SIGNATURE LOANS HOLIDAY LOAN SPECIAL: Need some extra cash to make this holiday season special? We can help!  From October 1st to December 31st only, you can get a signature loan up to $5,000 for as low as 8.25% APR*!  That is 12.68% lower than the national credit card average rate of 20.93%APR*! Call us at (859) 441-3405, go to nkfcu.org, or stop in either of our convenient locations to apply today! *APR = Annual Percentage Rate.  With approved credit. Rate received based on credit worthiness. Limited time only. May not be used in conjunction with any other offers. Must be a new loan – refinances do not qualify for sale. Must follow signature loan policy. Valid 10/01/2023 through 12/31/2023.

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 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+/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 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

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 Month2.75% APR2.75% APY
6 Month2.75% APR2.75% APY
12 Month3.50% APR3.50% APY
18 Month4.00% APR4.00% APY
24 Month4.00% APR4.00% APY

$1,000 Minimum

3 Month2.75% APR2.75% APY
6 Month2.75% APR2.75% APY
12 Month3.50% APR3.50% APY
18 Month4.00% APR4.00% APY
24 Month4.00% APR4.00% APY

$5,000 Minimum

3 Month2.75% APR2.75% APY
6 Month2.75% APR2.75% APY
12 Month3.50% APR3.50% APY
18 Month4.00% APR4.00% APY
24 Month4.00% APR4.00% APY

$10,000 Minimum

3 Month2.75% APR2.75% APY
6 Month2.75% APR2.75% APY
12 Month3.50% APR3.50% APY
18 Month4.00% APR4.00% APY
24 Month4.00% APR4.00% 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