Do You Want Your Money to Matter? The Feeling is Mutual.

As a mutual bank, Blue Grass Federal is owned by the people who borrow or deposit with us. Even better, when you bank with your local mutual bank (that’s us!), the dollars you deposit have a direct, positive impact in YOUR neighborhood. We reinvest into our local economy in the form of mortgage loans, business loans, charitable donations, hands-on help for local residents, and more. 

Do you want your money to make a difference in your community? The feeling is mutual – because it’s our community, too!

Why Mutual Banks Matter

Community Commitment

5% of our profits are reinvested locally.

Personalized Service

Decisions are made by people who live and work right in your neighborhoods.

Supporting Community Growth

Every account opened and every loan given has a positive impact on local businesses and families.

2024 Community Impact Report

Our customers (that’s you!) are the reason we were able to positively impact our communities, from helping students thrive through our internship program to sponsoring local events. Read how you made an impact last year.

Ready to Bank Local with us?

The feeling is mutual.

Online Banking Made Easy

Take it from Gary, who says there’s nothing easier than using our Online and Mobile Banking!

“Best place to get help for your home plans and Martha Black is the person to see to get the help for all your needs!”

– Connie B.

“I was recommended to Blue Grass Federal for obtaining a home equity loan. Martha Black is who I worked with. She is knowledgeable, responsive and kept me updated as things went forward. I would highly recommend anyone looking for a banking institution to consider them for all your needs.”

– Marilyn W.

Lauren and Andrew Biddle went through Blue Grass Federal to build their home. Having the reassurance from Shanda and her team made the process so much easier for them.

    We’re a proud member of Mutuals Matter

    As a member of Mutuals Matter, we join other mutual banks across the country who are dedicated to serving and investing in our customers and communities.

    Together, along with our customer and the communities, we can be a part of something bigger. Something that’ll be around for a long time. Something we can all believe in. Because Mutuals matter.