I've been a member of KECU ever since I started working for the state in 2006. They're fast, yet…read morefriendly. I've never had to wait on hold for more than a minute when I've called them with an account question. When you call them, you talk to a real person at the bank, not someone in a call center overseas, or a robot. Their rates are very competitive; they're better than any other bank I've seen, and they're not out to nickel and dime you like most big banks are. Of course, you're going to get better savings rates with an online, high yield account, but their mortgage and car loan rates are much lower than what you'll find at a stealership, or a commercial mortgage lender. They've only got one branch, but you can use any of Commonwealth Credit Union's ATMs around town, as well as any AllianceOne network ATM. There's also a handful of shared branches across the country and state that you can use to get to your money. Did I mention they've got free online banking and billpay? I've been tempted to switch to Commonwealth Credit Union since they've got 4 branches in Frankfort and one in Lexington, but the folks at KECU just treat me right each time I come in.

With rapidly dropping temperatures and a broken furnace I needed a completely new unit ASAP. I have…read moreseveral friends who bank with KECU so we did research and found that KECU has the lowest interest loan for the type of loan we needed to replace our furnace. After completing an application and a few emails back and forth with the loan officer, I was approved in no time and able to replace my furnace before the next freeze. The staff at KECU was very helpful and VERY patient with a loan newbie. I will definitely continue to bank with the friendly folks at KECU.

I'm a server and work a lot of doubles, almost every time I come by this locations ATM to deposit…read morecash, which is important since it pays my bills, the ATM's deposit system is broken. It is extremely inconvenient seeing as this is the only one on this side of town and the only free standing in Frankfort.

I have only had pleasant experiences at this branch, from opening an account to everything that…read morecomes after. Check deposition is as easy as it gets. There's drive thru check deposition etc and drive thru ATM too. Have been here a few times to get some documents notarized and they were very helpful. The tellers and manager are friendly. This is my go to bank for everything.

The WORST financial instituition I've ever dealt with in 65 years of life. I'll spare the details…read morebut JUST STAY AWAY to preserve your patience and sanity. That is if you can even get them to answer their phones (especially near lunch time). Inconsistent, aloof, rude, curt, not knowledgeable, and generally non-caring. Order takers vs. problem solvers. And those are their good points. Caveat Emptor!

Stopped into the new downtown Frankfort CCU to deposit a check that the mobile app was having…read moreissues processing. I decided that while I was in the facility, I would INQUIRE (capitalized for importance) about a credit card offer I noticed on my CCU app. I was directed to an office with and associate named Amanda, she printed out the credit card information, and after reviewing the paperwork. I decided to pass due to missing reward point value, no enrollment offers like AMEX or BOA and very basic reward earning rates. This is where the problem comes in: after I said "I'll think about it and get back to you"; Amanda recommended that I let her accept the offer on my profile. She claimed that underwriting would reach out to me to answer any questions I have in more detail. And like any other sane person, I wanted clarification on "accept the offer on my account", I didn't want my credit to be hit for a card I didn't want, and received verbal verification from Amanda that my credit "would not be hit". But surprise surprise! My Experian app dinged my phone an hour later with "hard inquiry on your account". Called in and spoke with the assistant manager, she stated that the only resolution they could process was to change the hard inquiry to a soft inquiry... This is why I do everything myself online! I had not stepped foot into a bank for the past 6 years of my life, and my first visit to a physical facility I have an issue.

No faster bank in town to refinance with. Called about 4-5 banks around Frankfort to start the…read moreprocess. Heard back from Miranda at Community Trust Bank and she had our rate locked in within a matter of a day or two. Our rate was locked before I heard back from the other banks. From there the process to close was even smoother. Truly a super smooth process from start to finish. Highly recommend Miranda and CTBI.

Absolutely horrible bank to deal with! DO NOT use this bank for a mortgage! They are horrible to…read morecommunicate with and your loan officer will talk to you one day and be a teller the next. The only communication is by e-mail and very slowly at that. I'm all for supporting the little guy, but this bank is TOO small to get the job done.

Commonwealth Credit Union Thinks New Members are Fraudulent…read more Need some help finding a good bank, below here is my issue. Being a new to town I wanted to find a local place to put money. I had heard that Commonwealth Credit Union was amazing. Last Friday, the 7th about 11am I open up a checking and savings. I deposited cash and also about $300 in a personal check from a Lexington bank. I found out today, even though my personal check had cleared on Monday, July 10th from my bank in Lexington. So today, they tell me I can't have my money from a check that they cashed on Monday until July,18th. That's like 8 days for them to use MY money that I cannot have. They say, every check that I deposit will have a 8 day hold because they just can't trust new members for 30 days. But they did run my credit score when I signed up and it's around 750 to 790 and still no trust in new members for 30 days. WOW! How can you have a relationship with a company that does crap like this and I am so glad I did not put a bunch of money in this account. I have never heard of this insanity, usually it's like a 3 day hold. I even offered to print out a copy of the cleared check and bing it to them and they still said they don't trust customers for 30 days. . Once my check clears on Tuesday I will be closing my account. I am new to credit unions so this non-trust might be the norm, but on the phone they acted like I was a common criminal.. if you know of a good local bank let me know this was just the star of a vacation fund.

Several months ago I decided to change banks. At the High St. CCU I walk into a very large and…read morefreezing room. No place to sit so I stood in line. A woman motioned to come to the counter. I told her I wanted to open an account. No howdy welcome to our bank, etc. My I D had expired. I was informed to renew it. Those were about the only words she communicated. She kept the same look on her face. As i was leaving, no good byes, no smiles, no 'hope you come back....." It was like talking to a machine. Cold foyer, cold communication, cold response. O K I won't be back! I got your message.

Nice branch but During Busy lunch hour only two tellers working and several in line. Good…read moreservice, atm drive through available

Customer service is excellent; we have gone to this credit Union for years and have always very…read morepositive experiences. They are especially helpful with those of us who are still learning computers. We highly recommend CCU in KY!

Worst possible bank to deal with for a mortgage! Fortunately not my bank, but the person buying my…read morehouse is using this bank and they are the worst! There is no communication with realtor, buyer, or seller. You request information and they just send an e-mail to someone with no follow up. So it's up to you to constantly harass them for information and they basically just tell you what you want to hear because the same question gets answered differently the next day. The person taking your app one day will be working the teller window the next day. Nobody in this branch actually knows anything about the loans. They just e-mail all the information to another office and take the number of the next person in line. I understand mortgages are complex, but if that's how it's going to be, then why not just go with one of the bigs who can actually give you a date to close and come pretty close to it?!?! 45 days and still counting here! My bank was ready to close in 3 weeks, and it's not a big bank. They may be great for basic checking and savings, but I wouldn't advise anyone use this bank for anything as complex as a mortgage. In fact, I get the impression that the one they're doing for my buyer may just be the very first one they've ever done!