Credit Unions in Lexington, KY
7 member-owned, NCUA-insured credit unions headquartered in or near Lexington, serving a combined 207,312 members. The largest is University Of Kentucky. Click any credit union for its full details.
Find credit unions near you
Use your location to see the closest member-owned credit unions. We use your coordinates once to find nearby co-ops — they’re never stored.
Sorted by membership size.
University Of Kentucky
Lexington, KY🇺🇸
121,057 members
Credit Unions & BankingView details →Members Heritage
Lexington, KY🇺🇸
55,277 members
Credit Unions & BankingView details →The Health & Education
Lexington, KY🇺🇸
12,072 members
Credit Unions & BankingView details →Greater Kentucky Cu, Inc.
LEXINGTON, KY🇺🇸
9,342 members
Credit Unions & BankingView details →Metro Plus
Lexington, KY🇺🇸
4,694 members
Credit Unions & BankingView details →Kue
Lexington, KY🇺🇸
2,754 members
Credit Unions & BankingView details →Lexington Postal Community
Lexington, KY🇺🇸
2,116 members
Credit Unions & BankingView details →This list is credit unions whose NCUA charter (headquarters) is geocoded to Lexington: they are based in or near Lexington. Credit unions with a branch in the city but headquartered elsewhere are listed next.
Also with a branch in Lexington
5 more credit unions headquartered elsewhere have a branch in Lexington, KY. Source: NCUA, Credit Union Branch Information, quarter ended June 30, 2026 (2026 Q2). Branch hours and services are not shown here; check the credit union.
Sorted by membership size.
Commonwealth
Frankfort, KY🇺🇸
149,646 members
Credit Unions & BankingView details →Y-12
Oak Ridge, TN🇺🇸
137,984 members
Credit Unions & BankingView details →Park
Louisville, KY🇺🇸
82,105 members
Credit Unions & BankingView details →Transcend
Louisville, KY🇺🇸
50,984 members
Credit Unions & BankingView details →Ashland
ASHLAND, KY🇺🇸
46,980 members
Credit Unions & BankingView details →- Commonwealth — branches: 280 Meijer Way Lexington, KY 40503; 2540 Sir Barton Way Lexington, KY 40509
- Y-12 — branch: 3620 Walden Dr Ste 100 Lexington, KY 40517-2065
- Park — branches: 547 Euclid Avenue Lexington, KY 40502; 3101 Clays Mill Rd Ste 100 Lexington, KY 40503
- Transcend — branch: 2549 Regency Rd Ste 105 Lexington, KY 40503
- Ashland — branch: 100 Valvoline Way Lexington, KY 40509
How to join a credit union in Kentucky
To join one of the credit unions above, you need to fall within its field of membership — usually by living or working in Lexington or the surrounding area, through your employer, or via an association anyone can join. Once eligible, you open a small share account (often $5) that makes you a part-owner with one vote, regardless of your balance. Deposits are insured up to $250,000 by the NCUA.
Credit unions in Lexington — common questions
How many credit unions are in Lexington?
7 member-owned, NCUA-insured credit unions are headquartered in or near Lexington, Kentucky, with a combined 207,312 members. The largest is University Of Kentucky.
Are these the closest credit unions to me in Lexington?
The first list is credit unions whose NCUA charter (headquarters) is based in or near Lexington, geocoded to the city. The second list adds 5 more credit unions headquartered elsewhere that NCUA shows with a branch in Lexington, as of June 30, 2026. A credit union can serve a wider area than its branches. For a true distance-sorted list from your exact location, use the "near me" finder above.
Can I join any credit union in Lexington?
Not always. Every credit union has a "field of membership" — you typically qualify by living or working in a defined area, your employer, or an association you can join. Many community credit unions in Kentucky accept anyone in the area; others are tied to a specific group. Check each credit union's eligibility before opening a share account (often as little as $5).
Credit union vs bank — which is better in Lexington?
Banks are for-profit and owned by shareholders; credit unions are not-for-profit cooperatives owned by their members, so surplus comes back to members as higher savings rates, lower loan rates and fewer fees. The trade-off is membership eligibility and, sometimes, a smaller branch and ATM network.