newspaperCertificate Accounts
*Annual Percentage Yield (APY) is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For Certificate and IRA Certificate accounts, the dividend rate and APY are fixed and will be in effect for the initial term of the account. For accounts subject to dividend compounding, the APY is based on an assumption that dividends will remain on deposit until maturity. If you elect to have dividends transferred to another account, compounding will not apply. A withdrawal of dividends will reduce earnings. Dividends are calculated by applying a daily periodic rate to the principal in the account each day and compounded monthly. Rates are effective as of 11/4/2024 and subject to change at the discretion of UKFCU at any time.
**TruBlue pricing applies to members who qualify for TruBlue Membership. TruBlue Members will receive a 0.25% increase on the APY for the initial term of any qualifying certificate or IRA certificate, excluding Bump-Rate Certificates. TruBlue Membership requires the member to meet one of the following criteria:
i. An Active Checking or Money Market Account
Active and in good standing, defined as not dormant and the account balance is $0.00 or greater
Opened for 30 days or more
ii. A Loan Relationship
Excludes Student and Credit Card Loan relationships
Existing and Active Lines of Credit
Loans must be in good standing, defined as less than 40 days past due or delinquent
iii. An Investment Client
Open Certificate Account - New Members
Open Certificate Account - Current Members
| Period | Regular Rate | Regular APY | TruBlue Rate | TruBlue APY | Minimum Balance |
|---|---|---|---|---|---|
| 3 Months | 0.25% | 0.25% | 0.25% | 0.25% | $1,000 |
| 5 Months | 4.41% | 4.50% | 4.65% | 4.75% | $1,000 |
| 6 Months | 1.74% | 1.75% | 1.98% | 2.00% | $1,000 |
| 1 Year | 2.23% | 2.25% | 2.47% | 2.50% | $1,000 |
| 18 Months | 1.98% | 2.00% | 2.23% | 2.25% | $1,000 |
| 2 Years | 2.08% | 2.10% | 2.33% | 2.35% | $1,000 |
| 3 Years | 2.47% | 2.50% | 2.72% | 2.75% | $1,000 |
| 4 Years | 2.47% | 2.50% | 2.72% | 2.75% | $1,000 |
| 5 Years | 2.57% | 2.60% | 2.81% | 2.85% | $1,000 |
car Vehicle Loan Rates
*Annual Percentage Rate. Rates shown include the 1% buy-down program discount and no additional discount is available beyond these rates. Terms and conditions may apply. Rates available are subject to credit approval and subject to change without notice. Rates are effective as of 9/21/23.
**Annual Percentage Rate. Terms and conditions may apply. Rates available are subject to credit approval and subject to change without notice. Rates are effective as of 9/21/23.
| Amount Financed | Annual Percentage Rate (APR) |
|---|---|
| New / Used Vehicle - Terms 75 months or less | As low as 5.74% APR* |
| New / Used Vehicle - Terms 76 months or greater | As low as 6.74% APR* |
| New / Used Motorcycle | As low as 7.74% APR** |
| New / Used ATV / UTV | As low as 8.24% APR** |
| New / Used Boat / Jet Ski / RV - 72 months or less | As low as 6.99% APR** |
| New / Used Boat / Jet Ski / RV - 73 months or greater | As low as 7.74% APR** |
creditcard Credit Cards
*Annual Percentage Rate. Rates available subject to credit approval and subject to change without notice. Rates are effective as of 11/8/24.
| Card | Grace Period | Annual Fee | APR | Current APR |
|---|---|---|---|---|
| Visa Platinum | 25 Days | $0.00 | As low as Prime + 3.99% APR* | 11.74% APR* |
| Signature Card | 25 Days | $0.00 | As low as Prime + 6.49% APR* | 14.24% APR* |
redirect Loans
*Annual Percentage Rate. All rates are subject to credit approval, terms and subject to change without notice. **Home Equity Line of Credit rate is Prime minus 1%, with a floor of 3.00% APR. Terms and conditions may apply. Rates are effective as of 11/8/24.
| Loan Type | Annual Percentage Rate (APR) |
|---|---|
| First Mortgage | Contact a Mortgage Representative for rate details |
| Fixed Home Equity Loan | As low as 7.24% APR* |
| Home Equity Line of Credit | 6.75% APR** |
| Signature/Unsecured | As low as 11.49% APR* |
| Holiday / Vacation | As low as 9.99% APR* |
| Overdraft Protection | As low as 10.99% APR* |
| 100% Share Secured | As low as 3.00% APR* |
| Certificate Secured | 3.00% APR* above the Share Certificate dividend rate |
charts IRA Certificate Account
*Annual Percentage Yield (APY). Membership eligibility is required. A $1000 minimum balance is required to open a certificate and earned the stated APY. Fees may reduce earnings. Early withdrawal penalties may apply. Please see a representative for additional details, other restrictions may apply. Rates available as of 9/16/2024 and are subject to change.
**TruBlue pricing applies to members who qualify for TruBlue Membership. TruBlue Members will receive a 0.25% increase on the APY for the initial term of any qualifying certificate or IRA certificate, excluding Bump-Rate Certificates. TruBlue Membership requires the member to meet one of the following criteria:
i. An Active Checking or Money Market Account
Active and in good standing, defined as not dormant and the account balance is $0.00 or greater
Opened for 30 days or more
ii. A Loan Relationship
Excludes Student and Credit Card Loan relationships
Existing and Active Lines of Credit
Loans must be in good standing, defined as less than 40 days past due or delinquent
iii. An Investment Client
| Period | Regular Rate | Regular APY | TruBlue Rate | TruBlue APY | Minimum Balance |
|---|---|---|---|---|---|
| 6 Months | 1.74% | 1.75% | 1.98% | 2.00% | $1,000 |
| 1 Year | 2.23% | 2.25% | 2.47% | 2.50% | $1,000 |
| 18 Months | 1.98% | 2.00% | 2.23% | 2.25% | $1,000 |
| 2 Years | 2.08% | 2.10% | 2.32% | 2.35% | $1,000 |
| 3 Years | 2.47% | 2.50% | 2.71% | 2.75% | $1,000 |
| 4 Years | 2.47% | 2.50% | 2.71% | 2.75% | $1,000 |
| 5 Years | 2.57% | 2.60% | 2.81% | 2.85% | $1,000 |
moneybag Savings Account
*Annual Percentage Yield. Rates available as of 7/1/23 and are subject to change.
| Account Type | Minimum Balance to Earn Dividends | Dividend Period | Dividend Rate | APY |
|---|---|---|---|---|
| Senior Share | $100.00 | Monthly | .08% | .10% |
| Club Savings | $.01 | Monthly | .08% | .10% |
| IRA Savings | $.01 | Monthly | .08% | .10% |
| Prime Share | $100.00 | Monthly | .04% | .05% |
analytics Money Market Accounts
*Annual Percentage Yield. Rates available as of 11/12/2024 and are subject to change.
| Minimum Balance to Earn Dividends | Dividend Period | Dividend Rate | APY |
|---|---|---|---|
| $1,000 - $9,999.99 | Monthly | 1.09% | 1.10% |
| $10,000 - $24,999.99 | Monthly | 1.24% | 1.25% |
| $25,000 - $49,999.99 | Monthly | 1.39% | 1.40% |
| $50,000 - $99,999.99 | Monthly | 1.54% | 1.55% |
| $100,000 + | Monthly | 1.79% | 1.80% |
percent Bump-Rate Certificate Account
During the term of your Bump-Rate Certificate account(s), you may increase the rate one time to the rate currently in effect for accounts of this type with the same term.
*Annual Percentage Yield assuming dividends are reinvested annually/at maturity and required minimum to open is met. Dividends are calculated on an average daily balance and will be credited by dividend type selection at opening. Rates current as of 6/20/2023 and are subject to change. For full disclosures, click here.
| Period | Minimum Balance | Dividend Payment | Dividend Rate | APY |
|---|---|---|---|---|
| 2 Year | $1000.00 | Monthly | 2.32% | 2.35% |
