Chip Card Technology is here!

Class Act Federal Credit Union is transitioning to the new EMV Chip Card technology, offering advanced security when making purchases with your credit or debit card. New cards will begin to be issued starting in October 2015 and will be issued as your current debit or credit card expires. The EMV Chip Card (which stands for Europay, Mastercard and Visa) is a credit or debit card that features the traditional magnetic stripe with an embedded microchip for an added layer of security. Each time the card is used at a chip-enabled terminal or ATM, unique data is created that is specific to your card so that you are better protected.

For more information click here

Snap Deposit is Here!

Mobile check deposits have never been easier. Snap Deposit allows approved users with the Class Act mobile app to make a deposit into their checking account, simply by taking a picture of the check and sending it electronically to the credit union. Now you can deposit your checks anytime, anywhere! Download the Class Act mobile app for your iPhone or Android device. Search “Class Act” within the App Store or Google Play, and be sure to download the app with our A+ logo. Select “SnapDeposit” and once you are approved for the service you can make your deposits in a snap. The service will walk you through the right steps to enter the deposit amount, make the proper endorsement, and to capture and submit the front and back check images for deposit. It’s easy and available 24/7 from the palm of your hand. We’re excited about offering this new convenient service – so please try it today!

What?! An Overdraft!?!

Sounds like you need a little Extra Credit!! There's nothing more embarrassing or frustrating than discovering an overdraft. Worse, they can be costly. Besides our modest NSF fee, merchants also charge additional fees for returned checks. But don't worry, your Credit Union has the solution to help reduce the frequency of such events and limit the damage when they do. You can earn "Extra Credit" by opening an overdraft line of credit. When an overdraft occurs, Extra Credit steps in to cover it. It's an affordable way to avoid the fees and hassle of a bounced check. There is no cost to set up Extra Credit overdraft protection. Finance charges are assessed only if and when an advance is made from your line of credit. The sooner the balance is paid, the less it costs. And you can pay it conveniently with Express Line or CyberBranch@Home. To get started, click here and you can apply online.


You’d expect the very best student checking account from an education-based credit union, and that’s what students get with Student Honors. Students ages 16 to 24 earn rewards of high yield interest, and ATM fee refunds simply by meeting basic usage requirements. They even get one “Oops!” fee forgiveness per year. And to help them get off on the right foot, we’ll even make their first $25 deposit free just for opening a new Student Honors checking account.

Students get all this:
Free initial $25 Deposit
2.0% APY* interest paid monthly
Fees refunded from any ATM*
1 “Oops!” NSF fee refund* per year
No minimum balance
No monthly service fee
Free Online Banking & Bill Pay
Free Mobile Banking
Free SnapDeposit

Simply for doing this!
Choose e-Statements
Make 5 debit purchases (over $100 total)
Login to home banking or mobile app.




*2.0% Annual Percentage Yield paid monthly on balances up to $5,000. Balances over $5,000 will earn the higher tier Share 1 dividend rate when requirements are met or the lower tier Share 1 rate if requirements are not met. All requirements must be met before month-end processing on last business day of month. Transactions posted after that time will count toward the following month’s requirements. Rates & terms as of August 1, 2015 and are subject to change. Must qualify for checking account. Students only. Personal accounts only. Only one Student Honors Checking account per member. ATM fee refunds up to $12.50 per month when requirements are met. Does not apply to ATMs outside the US. “One “Oops!” refund per year (rolling 12 months) upon request. Ages 16 to 24 only. Under 18 requires signature of parent or guardian. Account converts to Honors Checking at age 25.

How Smart is your Money?

CURRENT HONORS CHECKING RECIPIENTS – RATE CHANGE NOTICE… Class Act FCU is proud to offer a checking account that is sure to make your money smarter. It's time to move up to Honors Checking and earn 4.0% APY* on your checking account for things you already do. There are 3 simple requirements to qualify for Honors Checking:

  1. At least 10 debit card transactions with an aggregate amount of greater than $200 per month
  2. At least one Direct Deposit defined as an ACH Payroll Deposit from an employer or an employer's retirement plan.
  3. Log into home banking at least once during the month and receive e-statements.

If you meet all these requirements, you will be placed on our Honor Roll, which means your Honors Checking will earn 4.0! You will also be refunded ATM fees from any ATM** that you were charged throughout the month. It doesn't get any easier than that! Call us today to get on the Honor Roll!

*4.0% Annual Percentage Yield paid monthly on balances up to $5,000. Balances over $5,000 will earn the higher tier Share 1 dividend rate when requirements are met. If requirements are not met, the entire balance will earn the lower tier Share 1 dividend rate. Requirements must be met to receive ATM fee refunds. Rates & terms as of September 1, 2015 and are subject to change. Must qualify for checking account. Personal accounts only. All requirements must be met before month-end processing (on last business day of month) to earn higher dividend rate and ATM fee refunds. Transactions not posted by the last business day of the month will count toward the following month’s requirements. Only one Honors Checking account per member. ATM fee refunds up to $25 per month when requirements are met. Does not apply to ATMs outside the US.

** ATM fee refunds up to $25 per month when requirements are met. Does not apply to ATMs outside the US.

Try Free Bill Pay Today

We know your banking needs don't always fall neatly between 9:00 a.m. and 5:00 p.m. That's why we're excited about our FREE online bill pay service. Try the demo here.

  • Free, simple, and easy to use
  • All payees are verified before the first payment is made
  • Schedule, change, or stop single and recurring payments
  • View payment history
  • 24 / 7 access; extended hours customer service and live CHAT available

To sign up simply log into your account and then click Class Act Bill Pay or call us at 502.964.7575 for more information about getting started with online bill pay, just one more first-class service from Class Act FCU!

Platinum Visa with Cash-back Rewards!

We offer you a variety of choices and one of those great choices is the Platinum Visa! With a 9.50% annual percentage rate on purchases, no annual fee and a 25 day grace period on purchases this card is the pick of the bunch!

  • 0% intro rate for 6 months on purchases AND balance transfers*
  • Up to 1% cash back on purchases
  • Rates as low as 9.50% APR*
  • No annual fee

To apply for the Platinum Visa online, click here! For rates and disclosures, click here!

Visa Platinum Application and Solicitation Disclosure


Advance Class Courtesy Pay

We understand. It happens to all of us. You make an honest mistake in your checkbook. Unusual or unforeseen circumstances popped up at just the wrong time. That's why Class Act Federal Credit Union is now offering Advanced Class Courtesy Pay, an added member service that protects your checking account when an inadvertent overdraft occurs.
  • Saves you from the embarrassment of returned checks
  • Saves you from merchant returned check charges
  • Saves you collection agency fees and protects your credit rating

We're looking out for our members because...Life Happens.

Go Green with E-statements!!

E-statements are a “greener” way to receive your monthly statement.  Instead of printing your statement on paper and mailing it to you, you will receive an email that alerts you that your statement is ready to be viewed.  They also offer greater security and confidentiality than ordinary mail and you don’t have to worry about your statement being lost or stolen.  Signing up for e-statements is easy.  Just log into your account, follow the easy prompts and you’ll be all set to receive your next statement electronically.

Term Life Insurance Offered Through Class Act FCU

life insurance

At Class Act Federal Credit Union, our mission is to provide our valued members with financial services that meet your changing needs. That's why we are proud to offer an economical way to plan for your family's financial security in the years to come.

As a valued member of Class Act Federal Credit Union, you and your spouse, age 18 through 64, have the opportunity to apply for up to $150,000 of Group Term Life Insurance. And, up to $10,000 of coverage is available for your eligible dependent children. This Term Life Insurance Plan, offered to you by Monumental Life Insurance Company of Baltimore, MD, represents a simple, affordable way to significantly strengthen your personal insurance portfolio and ensure your loved ones are financially protected.

For more information, please click here.

Money Management from Members Financial Services!

The Money Management section of our homepage offers many helpful tools and a wealth of information about managing your finances. For more information and assistance, Contact A Representative serving Class Act FCU.

There are four modules within our MEMBERS Financial Services section:
  • MEMBERS BrokerNet is a comprehensive online brokerage service.
  • Money Management provides you with Financial Calculators and tools for reviewing your personal financial situation.
  • Education Center provides more than 70 articles on a variety of personal financial topics
  • Insurance & Investments gives you access to information on various insurance and investment products and services.
gives you access to information on various insurance and investment products and services.

Best of all, there is no cost to you for all of this great information! Just click on a link and start on your road to financial freedom!

Representatives are registered through, and securities are sold through, CUNA Brokerage Services, Inc. (CBSI), member NASD/SIPC, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (866) 512-6109. Insurance sold through licensed CUNA Mutual Life Insurance Company Representatives, and in New York, licensed insurance representatives of other companies. Nondeposit investment products are not federally insured, involve investment risk and may lose value, are not obligations of or guaranteed by the credit union. CBSI is a registered broker/dealer in all fifty states of the United States of America.

Here & Now Indirect Lending...Because Your Time is Valuable!

Class Act Federal Credit Union has a great time saving way for you to purchase your car at the dealership and still get credit union financing at the same time. The Here & Now financing program works like this:
  1. Choose any participating dealership listed below that is displaying the Here & Now Credit Union financing logo.
  2. Complete your loan application right at the dealership.
  3. Upon approval, drive away with your automobile!

It's as easy as that! No special trips to the Credit Union to fill out paperwork and you'll always receive the same low rates and quality service you have come to expect from your Credit Union!

When you visit one of the dealerships below to purchase your vehicle, insist on Here & Now Credit Union Financing!

Dealerships currently participating in the Here & Now Indirect Lending Program:


Cross Motors
1501 Gardiner Ln
Louisville, KY 40218

Toyota of Louisville
6514 Dixie Hwy
Louisville, KY 40258

Sternberg Automotive
6507 Preston Hwy
Louisville, KY 40219

Bob Hook Chevrolet
4144 Bardstown Rd
Louisville, KY 40218

Jeff Wyler Chevy/Honda
5340 Dixie Hwy
Louisville, KY 40216

Byerly Ford-Nissan
4041 Dixie Hwy
Louisville, KY 40216

Cottage Car Sales
6314 Hwy 329
Crestwood, KY 40014

Craig & Landreth Pre-Owned
619 E. Lewis & Clark Pkwy
Clarksville, IN 47129

Craig & Landreth
6203 Bardstown Rd
Louisville, KY 40291

Craig & Landreth
Chrysler Jeep Dodge Ram
6424 W Hwy 146
Crestwood, KY 40014

Craig & Landreth
970 East Hwy 44
Shepherdsville, KY 40165

Sam Swope Honda World
#1 Swope Auto Ctr
Louisville, KY 40299

Sam Swope BMW
#4 Swope Auto Ctr
Louisville, KY 40299

Sam Swope Volvo
#5 Swope Auto Ctr
Louisville, KY 40299

Sam Swope Buick, GMC
#7 Swope Auto Ctr
Louisville, KY 40299

Lexus of Louisville
2400 Blankenbaker Pkwy
Louisville, KY 40299

Craig & Landreth Cars
5357 Dixie Hwy
Louisville, KY 40216

Craig & Landreth Cars
1700 S Hurstbourne Pkwy
Louisville, KY 40220

Sam Swope Cadillac
#6 Swope Auto Ctr
Louisville, KY 40299

Sam Swope Infiniti
#8 Swope Auto Ctr
Louisville, KY 40299

Sam Swope Mitsubishi
#11 Swope Auto Ctr
Louisville, KY 40299

Sam Swope Buick GMC
406 E. Lewis & Clark Pkwy
Clarksville, IN 47129

Sam Swope Pontiac, GMC Dixie
6770 Dixie Hwy
Louisville, KY 40258

Sam Swope Chrysler Dodge
5311 Dixie Hwy
Louisville, KY 40216



Are You Eligible to Join Class Act FCU?

You are eligible to join Class Act FCU if you, your immediate family* or anyone in your household is a member of the following groups:

If you or a member of your immediate family or household is a member of the following three groups you are eligible to join Class Act FCU:


Academy for Individual Excellence KET
Anchorage Schools Maryhurst
Bardstown City Schools Meredith Dunn
Beth Haven Christian More Grace Christian Academy
Brown Mackie College National College
Bullitt County Public Schools Nelson County Public Schools
Christian Academy Oldham County Public Schools
Cornerstone Christian Academy Ohio Valley Educational Cooperative
Daymar College Portland Christian School
Embry-Riddle Aeronautical University Sacred Heart Schools
Eminence Independent Schools Shelby County Public Schools
Evangel Christian Spencer County Public Schools
Family Scholar House Sullivan University
JCTA Staff Victory Christian
Jefferson County Public Schools Walden School
Junior Achievement Whitefield Academy
KEA Staff  
Kentucky Country Day  


Brown Mackie College National College
Daymar College Sullivan University
Embry-Riddle Aeronautical University of Louisville
Jefferson County Public Schools  


University of Louisville


Spouse Step-Parents
Children Step-Children
Siblings Step Siblings
Parents Adoptive Relationships
Grandparents Other household members

If you are part of one of the groups above, click here to open your account online. If you aren’t eligible to join Class Act Federal Credit Union, there is a chance you are eligible to join a different credit union based on your employment, school affiliation, etc.

CU Here...and There!

Kentucky Credit Unions have joined with credit unions in the Midwest and across the country so you can access all of your accounts wherever you see this logo of the Credit Union swirl! So we will "CU Here....and There!"

Connect to CU Service Center!

What is a Credit Union Center?

A Credit Union Center is simply a branch that's shared by several different credit unions. Members of any participating credit union can go to any Credit Union Center to conduct virtually all their credit union transactions. To the members, it's the same as visiting their own credit union branches.

Credit Union Centers are an efficient way for credit unions to offer you more locations and more convenience. For example, you could stop by a Credit Union Center while you're travelling, or if you move away, there might be a Credit Union Center nearby where you can conduct your transactions! Where are the Credit Union Centers Located?

The Credit Union Centers are located at 4917B Dixie Highway, Kmart Plaza and 2925 Goose Creek Road. Class Act FCU members can go into those branches to conduct almost any transaction that they could normally do with a teller at our main office. Make withdrawals, transfers, deposits, and inquiries on your account. Nationwide, you have access to your account through the Credit Union Service Corporation (CUSC); the largest shared branch program across the country. Members of credit unions participacing in the shared branch program across the country have access to their accounts and services in more than 20 states. Indiana offers members 12 shared branch locations throughout the state; in Kentucky, we're working to build our network to offer the same convenience to you.

If you have any questions about the Credit Union Centers, you can reach their offices at 502.448.1686 (Dixie Highway) or 502.429.0068 (Goose Creek Road). For a listing of all credit unions affiliated with the CU Service Center network, click here!