Commonwealth Credit Union team member helping a member

We CU Differently


So, you're considering commonwealth?

Here's a quick video to help you get to know us better.


Here, it's not about checking accounts, car loans, or mortgages. It's what's on the other side - the independence that comes with managing your own money, the adventure that comes with a road trip, and it's the memories made in the house you call home.


We see you. we hear you.

At Commonwealth Credit Union, We CU differently®. What does that mean? We See You Differently and We Credit Union Differently. Our differences are what make us special, and we think they should be celebrated. We believe we can better lives through our passion to serve. We meet you where you are and walk alongside you, wherever you are on this journey called life. We also believe in empowerment, equipping you with the tools and knowledge you need to live life to the fullest. 
African American woman smiling at camera
Older woman smiling at camera
Middle-aged man smiling at camera
Woman smiling at camera
African American man in glasses smiling at camera







DO more, with us.





save for rainy days and vacation days
We don't start our conversations talking about Certificates and Money Markets. We start with you. What's your story? What keeps you up at night? What do you want your future to look like? Once we know you, we can work together to create strategies to reach your short and long-term goals. All along the way, we'll do our best to make saving money as effortless as possible.
 
Woman getting food delivered to her home.
Get Paid up to 2 days early
When you set up your Direct Deposit with Commonwealth Credit Union, you may get paid up to 2 days early! Even better? There's no need to sign up, and there's no fee.
 
And with Round UP Checking from Commonwealth Credit Union, every time you use your debit card, you could be saving money while you're spending it. You read that right. Every cup of coffee, night out, and tank of gas could be helping you reach your savings goals...effortlessly. 

Round UP checking logo with added space for use on the Checking Account page


Image of someone holding a phone at a basketball game.

Stay Connected with DIGITAL BANKING

Handle financial matters early in the morning, late at night, or during a few spare minutes in your busy day. With 24/7 Digital Banking, we operate on your schedule - not the other way around. Pay bills, transfer money, monitor activity, and much more from your smartphone, tablet, or desktop computer. You can even deposit a check within the mobile app version.

Woman hugging partner in new home.

make your money go further when you borrow

What does a lower rate mean to you? Lower payments or more square footage? More room in the budget or more bells and whistles? Whether you're car shopping in Louisville or buying a home in Lexington, a low rate loan or mortgage will help your hard-earned money go further.

A family of three taking a selfy.

know that we're always here for you

We have 18 branch locations throughout Central Kentucky and the Louisville Metro Area. While we have a top-rated mobile app and a call center with people who live and work in Kentucky, sometimes you just need to sit across from someone to talk it out. However you want to interact with us, we're here for you.

Woman uses an ATM.

and enjoy OVER 135,000 SURcHARGE-FREE ATMS ACROSS the nation 

Another credit union perk is that you always have access to cash when you need it. Thanks to our partnerships with the Allpoint, Alliance One, CULIANCE, and Co-op Networks, you never have to worry about not using a Commonwealth Credit Union ATM. That's because when you use any in-network ATM, there's no surcharge.
































Picture of Karen Harbin, Commonwealth Credit Union's President/CEO.

Are you ready to join?

I'm Karen Harbin, President/CEO of Commonwealth Credit Union. Thank you for taking the time to get to know us. We'd love the opportunity to earn your business and help better your life. If you ever have a question or concern, send me a message.

Ready to bank with Commonwealth Credit Union? Open an account or apply for a loan online or visit one of our credit union branches in Frankfort, Georgetown, Harrodsburg, Lawrenceburg, Lexington, Louisville, Nicholasville, Owenton, Shelbyville, or Versailles, Kentucky.