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Credit Unions You Can Join in Kentucky

Community credit unions in Kentucky that take members by where you live, work, worship or go to school. Each one is listed largest first, with its own wording and the site we read it on.

Credit unions anyone can join, wherever you live →

How to qualify in Kentucky

A community credit union serves the area named in its charter. If you live, work, worship or study there, you can usually join; many also accept people who run a business or volunteer in the area.

Relatives and household members of a member can often join too. Check the wording below against where you live, then open a share account to become a member.

Three routes into membership: Where you live, Your job or group, Your family. Each ends with opening a share (savings) account, which makes you a member-owner.Where you livelive, work, worship or study in the named areaYour job or groupemployer, union, church or association namedYour familya relative or household member already belongsOpen a shareaccountyou are now a member-owner
Every route ends the same way: a small deposit into a share account makes you a member. Check the credit union's own wording for the exact rules.

Community credit unions in Kentucky

Members, largest first: Signet Credit Union 22,732; C-Plant Credit Union 15,891; Morehead Community Credit Union 4,399; Labor Management Credit Union 2,847; Lexington Postal Community Credit Union 2,155; Main Impact Credit Union 2,001; K I T Credit Union 1,841Signet Credit Union23kC-Plant Credit Union16kMorehead Community Credit Union4,399Labor Management Credit Union2,847Lexington Postal Community…2,155Main Impact Credit Union2,001K I T Credit Union1,841
Members of the largest community credit unions in Kentucky, from NCUA data.

  1. Signet Credit Union

    Where you live or work

    Paducah, KY · 22,732 members · $375 million in assets

    “Anyone who lives, works, volunteers, attends church or school in the counties of Ballard, Calloway, Carlisle, Crittenden, Fulton, Graves, Hickman, Livingston, Lyon, Marshall, and McCracken can become a member.”from signetfcu.com
    Full details and how to join →

  2. C-Plant Credit Union

    Where you live or work

    Paducah, KY · 15,891 members · $351 million in assets

    “Anyone who lives, works, worships, volunteers, or goes to school in the Kentucky counties of Ballard, Caldwell, Crittenden, Graves, Hopkins, Livingston, McCracken, Muhlenberg, Todd, and Union can benefit from all the financial products and services offered by…”from cplant.com
    Full details and how to join →

  3. Morehead Community Credit Union

    Where you live or work

    Morehead, KY · 4,399 members · $63 million in assets

    “You are eligible for membership if you live, work, worship, attend school, or volunteer in one of the following KY counties: Bath, Bourbon, Boyd, Carter, Clark, Elliott, Fleming, Greenup, Johnson, Lawrence, Lewis, Magoffin, Mason, Menifee, Montgomery, Morgan…”from moreheadcommunity.com
    Full details and how to join →

  4. Labor Management Credit Union

    Where you live or work

    Lewisport, KY · 2,847 members · $28 million in assets

    “To be a member, all you need to do is live, work, or worship in Hancock County or be related to someone who does.”from lmfcu.net
    Full details and how to join →

  5. Lexington Postal Community Credit Union

    Where you live or work

    Lexington, KY · 2,155 members · $26 million in assets

    “We welcome anyone who Lives, Works or goes to Church in Fayette County or any of the counties within the Bluegrass Area Development District, which includes Anderson, Bourbon, Boyle, Clark, Estill, Franklin, Garrard, Harrison, Jessamine, Lincoln, Madison…”from lexpccu.com
    Full details and how to join →

  6. Main Impact Credit Union

    Where you live or work

    Murray, KY · 2,001 members · $23 million in assets

    “In November, Main Impact Federal Credit Union completed the conversion to a Community Charter, making membership open to all who live, work, worship, or attend school in Calloway County.”from mainimpactfcu.org
    Full details and how to join →

  7. K I T Credit Union

    Where you live or work

    Louisville, KY · 1,841 members · $22 million in assets

    “Anyone who lives, works, worships, volunteers or attends school in Jefferson County is able to join Kit FCU.”from kitfcu.org
    Full details and how to join →

Who can join, across Kentucky's credit unions

Who can join, across 51 credit unions in Kentucky. Anyone can join: 0; Anyone, via an association or donation: 0; Live, work or worship in a named area: 7; Employer, union or church group: 1; Sentence too vague to sort: 9; No eligibility sentence on file: 34Anyone can join0Anyone, via an association or donation0Live, work or worship in a named area7Employer, union or church group1Sentence too vague to sort9No eligibility sentence on file34
Credit unions in Kentucky on NCUA's list, sorted by the eligibility sentence on each one's own website.

Not in one of these areas?

Some credit unions take anyone, directly or through an association, wherever you live. The largest include Connexus Credit Union, American Heritage Credit Union, Utah Community Credit Union.

See credit unions anyone can joinAll credit unions in Kentucky