--- title: "Modern Employees Credit Union Rates - Kentucky" description: "Current auto loan, and savings & cd rates from Modern Employees Credit Union in Kentucky. Updated daily with source verification. See who can join Modern Employees Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/kentucky/modern-employees" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Modern Employees Credit Union Rates - Kentucky ### Auto & vehicle rates 4 offers | Product | Published | Rate | Term / condition | Status | | **48-Month Auto Loan (2022 and Newer)** auto_any_48mo | — APR | 5.310% | 48 mo | Standard | | **60-Month Auto Loan (2022 and Newer)** auto_any_60mo | — APR | 5.810% | 60 mo | Standard | | **72-Month Auto Loan (2022 and Newer)** auto_any_72mo | — APR | 6.310% | 72 mo | Standard | | **36-Month Auto Loan (2014 and Newer)** auto_any_36mo | — APR | 9.560% | 36 mo | Standard | Modern Employees Credit Union auto & vehicle rates as of November 12, 2026 ### Savings & CD rates 5 offers | Product | Published | Rate | Term / condition | Status | | **Savings** savings | — APY | 0.05% | — | Standard | | **12-Month Certificate** cd_12mo | — APY | 1.17% | 12 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 1.48% | 24 mo | Standard | | **90 Day Certificate** cd | — APY | 1.76% | — | Standard | | **6-Month Certificate** cd_6mo | — APY | 2.25% | 6 mo | Standard | Modern Employees Credit Union savings & cd rates as of November 12, 2026 Modern Employees Credit Union is a credit union in Kentucky. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/kentucky/modern-employees) , verified from [Modern Employees Credit Union's official website](https://www.modernefcu.net/) ## Who Can Join Modern Employees Credit Union Membership eligibility from Modern Employees Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Modern Employees Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Modern Welding Company Verified from [Modern Employees Credit Union's membership page](https://www.modernefcu.net/Membership) . Final membership determination is always made by the credit union. ## Membership rules for Modern Employees Credit Union Employers 2 · Family 3 published paths to membership, last verified November 8, 2026, quoted from Modern Employees Credit Union’s own published criteria. ### Employers 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Employee of Modern Welding Company “you must be an employee, retiree from Modern Welding Company” > [source ↗](https://www.modernefcu.net/Membership) - Employee of Modern Welding Company - Retired employee of Modern Welding Company “you must be an employee, retiree from Modern Welding Company” > [source ↗](https://www.modernefcu.net/Membership) - Retiree of Modern Welding Company ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Family Of Deceased parent, child, Spouse, surviving spouse, sibling, Grandparent, grandchild, Step-parents, Step-children, Step-siblings “or members of their immediate family: Family members include: Parents Children Spouse (including surviving spouse) Siblings Grandparent Grandchildren Step-parents Step-children Step-siblings” > [source ↗](https://www.modernefcu.net/Membership) - Family member (parent, child, Spouse, surviving spouse, sibling, Grandparent, grandchild, Step-parents, Step-children, Step-siblings) of a deceased eligible person 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 Modern Employees Credit Union? Yes No ## Work at Modern Employees 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 Modern Employees Credit Union ranks against Kentucky peers. - See which AI assistants fetched Modern Employees 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=modern-employees&state=kentucky&code=KY&name=Modern%20Employees%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Modern Employees Credit Union offer? Modern Employees Credit Union currently offers Auto loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Modern Employees Credit Union rates updated? RateAPI verifies Modern Employees 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 Modern Employees Credit Union's rate data? Rate data is collected directly from Modern Employees 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 Modern Employees Credit Union? Modern Employees Credit Union publishes its membership criteria on its own website. RateAPI tracks 3 published membership paths covering 2 employers for Modern Employees Credit Union, each quoted from Modern Employees Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Modern Employees 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) [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.modernefcu.net/) ### 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 Modern Employees 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 Modern Employees Credit Union curl "https://api.rateapi.dev/credit-unions/kentucky /modern-employees " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Skip to main content --- Source: https://rateapi.dev/credit-unions/kentucky/modern-employees Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp