Open an Account

Eligible individuals may apply for membership completely online by clicking the JOIN NOW link below and providing the information requested.  Also need a loan?  Become a member and then you can fill out your loan application online!


Am I eligible for membership?

If you live, work, worship, attend school or have family in any of the following counties, YOU ARE ELIGIBLE for membership:  Anderson, Bath, Bourbon, Boyle, Clark, Estill, Fayette, Franklin, Garrard, Harrison, Jessamine, Lincoln, Madison, Menifee, Mercer, Montgomery, Morgan, Nicholas, Powell, Rowan, Scott and Woodford.

Get ready for back-to-school time.  Open a New Membership Youth Account in July and you will receive $25 deposited into your account to help purchase your back-to-school needs!**


If you have any questions, please contact us at 859.259.3466 or 800.359.3466, or send an email to


*Application hosted on secured MHCU third party site.

**Account must be opened in child’s name.  New Membership Youth Account requires a minimum $5 deposit.  Child’s Social Security card must be presented when account is opened.  $25 will be deposited into account upon opening.  Existing members opening a new subaccount do not qualify for the promotion.  Promotion valid 7/1/18-7/31/18.