Business Details
50+ Years
experience
Emergency
services
Your Trusted Partner for Community Banking Solutions
Bluegrass Community Credit Union Community Credit Union has served the financial needs of our community since October 23, 1958. As a cooperative, not-for-profit financial institution, we exist solely to benefit our members through personalized service and competitive financial solutions. Our community charter since 2004 allows membership for anyone living, working, or worshiping in Boyd County, Kentucky. Governed by an elected volunteer Board of Directors, we combine local expertise with a commitment to financial education and community development. We offer a comprehensive range of services including no-fee checking accounts, savings options, personal and vehicle loans, and 24/7 digital banking access.Our members enjoy lower fees, surcharge-free ATMs, and personalized financial guidance from our experienced team. With physical locations and drive-thru services in Ashland, KY, we maintain traditional banking hours while providing modern convenience through online and mobile platforms. Our federally insured accounts ensure security for all members' financial assets. Through decades of service, we've built trust by treating every customer like family, understanding both their immediate needs and long-term financial goals. This community-focused approach continues to make us a preferred financial partner for generations of local residents.
Services
Checking Accounts
Savings Accounts
Personal Loans
Auto Loans
Online Banking
ATM Services
Certificate Deposits
Mobile Banking
Notary Service
Wire Transfers
Details
- Year established: 1958
Highlights and features
- We offer free checking accounts with no minimum balance requirements
- Our members enjoy lower loan rates and fewer service fees than traditional banks
- We provide personalized financial guidance from local experts
- We operate as a community-focused cooperative rather than a profit-driven institution
- Our 24/7 digital banking services combine security with modern convenience
Associations and certifications
- National Credit Union Administration (NCUA)
Services
Checking Accounts
Our no-fee checking accounts provide complete financial flexibility with unlimited check writing and free VISA debit card access. Members enjoy surcharge-free ATM transactions and overdraft protection options. These accounts serve as the foundation for all our financial services.
Auto Loans
We offer competitive vehicle loans for new and used cars with rates as low as 5.9% APR. Our quick pre-approval process helps shoppers find affordable financing options, including refinancing opportunities for high-interest loans.
Online Banking
24/7 account access allows members to manage finances from any internet-connected device. Features include bill payment, fund transfers, check deposits, and real-time transaction tracking through secure online and mobile platforms.
Personal Loans
Unsecured personal loans up to $3,000 help members consolidate debt or cover unexpected expenses. Flexible terms and competitive rates make these loans ideal for short-term financial needs without requiring collateral.
Certificate Deposits
Variable-term certificate accounts offer higher returns for members willing to commit funds for specific periods. Competitive rates and compound interest growth make these accounts ideal for building long-term savings.
Questions
How can I become a member?
Anyone living, working, or worshiping in Boyd County, KY can join with a $6 minimum deposit. Bring ID and Social Security card to our Ashland branch.
What loan options do you offer?
We provide auto, boat, RV, ATV, and personal loans with competitive rates, plus flexible terms up to 84 months for qualified borrowers.
Are my deposits insured?
All accounts are federally insured up to $250,000 through the National Credit Union Administration (NCUA).
What banking hours should I expect?
Drive-thru services available Monday-Friday 8:30 AM-4:30 PM, lobby hours 9 AM-4 PM. Online banking available 24/7.
How do I report a lost card?
Contact our after-hours service at 1-800-264-5578 for lost or stolen debit/ATM cards outside regular business hours.
Reviews (6)
El Lewis
Dec 25, 2020
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The staff is personable and accommodating, the offices are clean and I have yet to have any problems with my accounts or the staff.
Jeff Carr
Nov 19, 2019
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Everyone I've dealt with seems pleasant and willing to help. They are fullly insured by NCUA which is the same as FDIC for banks and the members are the owners. No shareholders to pay like banks.
All About Truth
Oct 27, 2019
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Rude customer service..inconsistency in stories..they seem like you are a problem and you are putting them out when you call..they never return messages or calls...please don't bank here..its a mistake!!!!
Teena Conley
Jan 25, 2019
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I'm going to lose my apartment because I and the office workers have practically begged for my paperwork from you guys,
M. J.
Jun 03, 2018
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This place never has it together..you talk to one person, you get one story, you talk to another person, you get another story, they are rude and condescending, and if they mess something up, they make the customer pay the difference.
Fonda Moore
Jan 27, 2017
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This place is absolutely terrible. Their computer system goes down all the time and you cannot get to your money and they have blocked everyone's credit card except for use in Ky, Oh, and WV....sorry I pay bills online and not all are in the tristate area!!! Would it recommend to anyone.
