--- title: "Class Act Credit Union Rates - Kentucky" description: "Current vehicle loan, and heloc rates from Class Act Credit Union in Kentucky. Updated daily with source verification. See who can join Class Act Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/kentucky/class-act" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Class Act Credit Union Rates - Kentucky ### Auto & vehicle rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Up to 48-Month New Auto Loan** auto_new_48mo | — APR | 4.490% | 48 mo · new | Standard | | **Up to 84-Month New Auto Loan** auto_new_84mo | — APR | 5.490% | 84 mo · new | Standard | | **Boat & RV Loan Newer - Up to 84 Months** boat_any_84mo | — APR | 6.240% | 84 mo | Standard | Class Act Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **HELOC (Variable)** heloc_variable | — APR | 6.250% | — | Standard | | **Home Equity Loan (Fixed)** heloc_fixed | — APR | 6.634% | — | Standard | Class Act Credit Union heloc rates as of November 12, 2026 Class Act Credit Union is a credit union in Kentucky. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/kentucky/class-act) , verified from [Class Act Credit Union's official website](https://www.classact.org/) Loading branch locator… ## About Class Act Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 23.2K Assets $352.3M Founded 1954 Locations reported 6 NCUA charter 9106 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Student scholarships - Credit-builder products - Payday Alternative Loans I Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Autotruck Financial** Main Office · Louisville · KY · 40219 Branch in the same ZIP](https://rateapi.dev/credit-unions/kentucky/autotruck-financial) [**Transcend** Okolona · Louisville · KY · 40219-3302 About 1.2 miles away](https://rateapi.dev/credit-unions/kentucky/transcend) [**Park** Fern Valley Rd Office · Louisville · KY · 40228 About 2.8 miles away](https://rateapi.dev/credit-unions/kentucky/park) [**L & N** Corporate Office · Louisville · KY · 40229-1578 About 3.0 miles away](https://rateapi.dev/credit-unions/kentucky/l-n) [**Beacon Community** Main Office · Louisville · KY · 40214 About 3.3 miles away](https://rateapi.dev/credit-unions/kentucky/beacon-community) [**Louisville Federal** Branch 1 - 1420 Gardiner Lane · Louisville · KY · 40231-8900 About 4.1 miles away](https://rateapi.dev/credit-unions/kentucky/louisville-federal) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Class Act Credit Union Membership eligibility from Class Act Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Class Act Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Jefferson County Public Schools, Beth Haven Christian School, Junior Achievement, Ohio Valley Educational Cooperative - Association Kentucky PTA - School JCPS Student Verified from [Class Act Credit Union's membership page](https://www.classact.org/who-we-are/about-us) . Final membership determination is always made by the credit union. ## Membership rules for Class Act Credit Union Employers 12 · Associations · Schools · Family 3 17 published paths to membership, last verified August 27, 2026, quoted from Class Act Credit Union’s own published criteria. ### Employers 12 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of Jefferson County Public Schools “Work for, retired from, or volunteer at one of the following educational groups: Jefferson County Public Schools” > [source ↗](https://www.classact.org/who-we-are/about-us) - Employee of Jefferson County Public Schools - Retired employee of Jefferson County Public Schools “Jefferson County Public Schools” > [source ↗](https://www.classact.org/who-we-are/about-us) - Retiree of Jefferson County Public Schools - Volunteer with Jefferson County Public Schools “Jefferson County Public Schools” > [source ↗](https://www.classact.org/who-we-are/about-us) - Volunteer with Jefferson County Public Schools - Employee of school “Beth Haven Christian School” > [source ↗](https://www.classact.org/who-we-are/about-us) - Employee of school - Retired employee of school “Beth Haven Christian School” > [source ↗](https://www.classact.org/who-we-are/about-us) - Retiree of school - Volunteer with school “Beth Haven Christian School” > [source ↗](https://www.classact.org/who-we-are/about-us) - Volunteer with school - Employee of Junior Achievement of Western Pennsylvania “Junior Achievement” > [source ↗](https://www.classact.org/who-we-are/about-us) - Employee of Junior Achievement of Western Pennsylvania - Retired employee of Junior Achievement of Western Pennsylvania “Junior Achievement” > [source ↗](https://www.classact.org/who-we-are/about-us) - Retiree of Junior Achievement of Western Pennsylvania - Volunteer with Junior Achievement of Western Pennsylvania “Junior Achievement” > [source ↗](https://www.classact.org/who-we-are/about-us) - Volunteer with Junior Achievement of Western Pennsylvania - Employee of educational systems “Ohio Valley Educational Cooperative” > [source ↗](https://www.classact.org/who-we-are/about-us) - Employee of educational systems - Retired employee of educational systems “Ohio Valley Educational Cooperative” > [source ↗](https://www.classact.org/who-we-are/about-us) - Retiree of educational systems - Volunteer with educational systems “Ohio Valley Educational Cooperative” > [source ↗](https://www.classact.org/who-we-are/about-us) - Volunteer with educational systems ### Associations 1 Human-reviewed quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Kentucky PTA “If none of the above applies to you, you may be eligible to join Class Act by joining the Kentucky PTA if you live in Kentucky or Indiana.” > [source ↗](https://www.classact.org/who-we-are/about-us) - Member of Kentucky PTA ### Schools 1 Human-reviewed quoted from the credit union’s own published criteria · last verified August 27, 2026 - Student of JCPS Student “Student or immediate family member of a student of one of the following educational communities: JCPS Student” > [source ↗](https://www.classact.org/who-we-are/about-us) - Student at JCPS Student ### Family 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling, household member “Immediate family member or live in the same household of an existing Class Act member: Immediate family includes: spouses, children, siblings, parents, grandparents, grandchildren, stepparents, stepchildren, stepsiblings, adoptive relationships, and other household members.” > [source ↗](https://www.classact.org/who-we-are/about-us) - Family member (spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling, household member) of a member - Family Of Qualified JCPS Student “JCPS Student” > [source ↗](https://www.classact.org/who-we-are/about-us) - Family member (immediate family) of a student of JCPS Student - Family of a member household member “Immediate family member or live in the same household of an existing Class Act member:” > [source ↗](https://www.classact.org/who-we-are/about-us) - Family member (household member) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Class Act Credit Union? Yes No ## Work at Class Act Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Class Act Credit Union ranks against Kentucky peers. - See which AI assistants fetched Class Act Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Kentucky - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=class-act&state=kentucky&code=KY&name=Class%20Act%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Class Act Credit Union offer? Class Act Credit Union currently offers vehicle loan, and HELOC rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Class Act Credit Union rates updated? RateAPI verifies Class Act Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Class Act Credit Union's rate data? Rate data is collected directly from Class Act Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Class Act Credit Union? Class Act Credit Union publishes its membership criteria on its own website. RateAPI tracks 17 published membership paths covering 12 employers, 1 association and 1 school for Class Act Credit Union, each quoted from Class Act Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Class Act Credit Union's rates against national credit-union benchmarks. [More Kentucky credit unions](https://rateapi.dev/credit-unions/kentucky) [Kentucky auto loan rate leaders](https://rateapi.dev/auto-loan-rates/kentucky) [Kentucky HELOC rate leaders](https://rateapi.dev/heloc-rates/kentucky) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.classact.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Class Act Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Kentucky credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Class Act Credit Union curl "https://api.rateapi.dev/credit-unions/kentucky /class-act " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Class Act Credit Union locations Search, filter, and browse all 6 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/kentucky/class-act Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp