Rural Cooperatives Credit Union

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A short history of Rural Cooperatives CU

Since its inception in 1964 the Rural Cooperatives Credit Union has been serving its members in the Louisville, Kentucky area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Larry Bischoff, the Rural Cooperatives CU has grown its membership to over 4,805 with assets of more than $38,954,391. They have a main office and 2 branch offices. Please see the credit unions website or contact them by phone at (800) 798-7228 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Louisville, KY.

General Information For Rural Cooperatives CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 61693
Address PO Box 32170 
City Louisville 
State Kentucky 
Zip-Code 40232
Phone Number (800) 798-7228
Fax Number (502) 456-4336
Email Address:
CEO/President Larry Bischoff
Members 4,805 
Full-Time Employees 13 
Part-Time Employees
Number of Branch Offices
Total Assets 38,954,391 

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Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Msd CU MSD Federal Credit Union 700 W Liberty St 40203 (502) 540-6213 No 0.20
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Louisville Gas And Electric Company CU Credit Union 220 W Main St 40202 (502) 627-3142 No 0.64
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Rural Cooperatives Credit Union Financial Performance Charts

Performance Charts

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Financial Data

Rural Cooperatives Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 12.90 1.99 3.49 4.00 4.00
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 452 34 146 138 100
Rank Among All Kentucky Credit Unions 26 2 11 11 8

Rural Cooperatives Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.10 0.15 0.45 0.10
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 129 124 274 283
Rank Among All Kentucky Credit Unions N/A 16 16 24 29
Rural Cooperatives Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 12.900602973,302
All Other Unsecured Loans/Lines of Credit 10.3406022,073,282
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 1.9902464,574,279
Used Vehicle Loans 3.4907336,790,703
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.000471,878,978
Total Other Real Estate Loans/Lines of Credit 4.00023449,073
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 8.0907251,816,988
TOTAL LOANS & LEASES 2,97818,556,605

Rural Cooperatives Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 0000
    b. 15 Years or less 20514,67800
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 271,364,300973,131
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 349,75400
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 20399,319523,177
Open-End Fixed Rate 0000
TOTALS 702,328,0511496,308


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Rural Cooperatives Credit Union Member Offerings
First Time Homebuyer Program Yes
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay No
Overdraft Lines of Credit No
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing No
Money Orders No
No Surcharge ATMs No
Home Banking Via Internet Website Yes