Business Details
9 Years
experience
Emergency
services
Your Trusted Community Credit Union in Western Kentucky
Lake Chem Community Federal Credit Union has served Western Kentucky since 2017, providing trusted financial solutions rooted in community values. As a federally insured institution backed by the NCUA, we offer competitive savings accounts, home and personal loans, and innovative digital tools like Zelle for seamless money transfers. Our commitment to personalized service is exemplified by dedicated staff who prioritize member satisfaction, as evidenced by testimonials praising our Murray branch team's exceptional support during major financial transactions.We specialize in tailored financial products including certificate programs with competitive APYs, secure debit card management through MOBIMONEY, and TruStage insurance partnerships. With expanded service areas covering 13 Kentucky counties, we combine local expertise with nationwide security standards to deliver reliable banking solutions that adapt to modern needs while maintaining community-focused values.
Services
Share Savings Account
Home Loans
Zelle Payments
Certificate Programs
Personal Loans
TruStage Insurance
Online Banking
Debit Card Management
Club Accounts
Details
- Year established: 2017
Highlights and features
- Federally insured by NCUA for complete deposit security
- Serving 13 Western Kentucky counties with local expertise
- Integrated Zelle payments within mobile banking app
- Competitive 4.125% APY CD special with $1,000 minimum
- Award-winning customer service from Murray branch team
Associations and certifications
- NCUA
What people say
BEST bankers ever
Eternally patient
Made experience easy
Always nice and personable
Exceptional customer service
Services
Share Savings Account
Our Share Savings Account offers competitive interest rates with no minimum balance requirements. Members earn dividends while maintaining easy access to funds through ATMs, debit cards, and mobile check deposit. This account serves as the foundation for all credit union services, providing secure growth opportunities for personal and business financial needs.
Home Loans
We provide comprehensive home loan solutions including fixed-rate mortgages, adjustable-rate options, and specialized programs for first-time homebuyers. Our local loan officers offer personalized guidance through the entire mortgage process, from pre-approval to closing, with competitive rates tailored to individual financial situations.
Zelle Payments
Zelle integration enables instant money transfers between trusted contacts using just an email or phone number. Available within our mobile app, this service operates through secure networks with transaction monitoring features to prevent fraud while maintaining user control over payment activity.
Certificate Programs
Our certificate programs offer guaranteed returns with terms ranging from 6 months to 5 years. Current promotions include a 12-month certificate earning 4.125% APY with $1,000 minimum deposit. These accounts provide higher interest rates than standard savings while maintaining federal insurance protection.
TruStage Insurance
Through our partnership with TruStage, we offer life and disability insurance products designed to protect members' financial security. These customizable policies provide coverage options for various life stages, with simplified application processes and competitive premium rates based on individual risk profiles.
Questions
What areas does Lake Chem serve?
We serve residents and businesses in 13 Western Kentucky counties including Ballard, Calloway, Graves, and McCracken counties.
Are deposits insured at Lake Chem?
Yes, all deposits are federally insured up to $250,000 by the NCUA, backed by the U.S. government.
What digital payment options are available?
We offer Zelle integration for instant money transfers within our mobile banking app and online banking platform.
What current CD rates do you offer?
Our current CD special offers 4.125% APY for 12 months with a $1,000 minimum deposit at select branches.
How do I report a lost card?
Call 855-961-1602 immediately to report lost or stolen debit/credit cards and request replacements.
Can I access online banking?
Yes, our online banking platform provides 24/7 access to account management, bill pay, and transaction monitoring.
