newspaper Certificate 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. Rates are effective as of 4/29/2024 and subject to change at the discretion of UKFCU at any time.

Open Certificate Account - New Members

Open Certificate Account - Current Members

Period Minimum Balance Dividend Payment Dividend Rate APY
3 Months $1000.00 Monthly .25% .25%
5 Months $1000.00 Monthly 4.17% 4.25%
6 Months $1000.00 Monthly 1.98% 2.00%
9 Months $1000.00 Monthly 4.65% 4.75%
1 Year $1000.00 Monthly 2.47% 2.50%
16 Months $1000.00 Monthly 3.93% 4.00%
18 Months $1000.00 Monthly 2.23% 2.25%
2 Year $1000.00 Monthly 2.32% 2.35%
3 Year $1000.00 Monthly 2.71% 2.75%
4 Year $1000.00 Monthly 2.71% 2.75%
5 Year $1000.00 Monthly 2.81% 2.85%

car Vehicle Loan Rates

*Annual Percentage Rate. Rates available are subject to credit approval and subject to change without notice. Rates shown include the 1% buy-down program discount and no additional discount is available beyond these rates. Terms and conditions may apply. Rates are effective as of 9/21/23. **Annual Percentage Rate. Rates available are subject to credit approval and subject to change without notice.  

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 7/27/23. 

Card Grace Period Annual Fee APR Current APR
Visa Platinum 25 Days $0.00 As low as Prime + 3.99% APR* 12.49% APR*
Signature Card 25 Days $0.00 As low as Prime + 6.49% APR* 14.99% 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 7/27/23. 

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 7.50% 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 4/29/2024 and are subject to change.

Period Minimum Balance Dividend Payment Dividend Rate APY
6 Months $1000.00 Monthly 1.98% 2.00%
9 Months $1000.00 Monthly 4.65% 4.75%
1 Year $1000.00 Monthly 2.47% 2.50%
16 Months $1000.00 Monthly 3.93% 4.00%
18 Months $1000.00 Monthly 2.23% 2.25%
2 Year $1000.00 Monthly 2.32% 2.35%
3 Year $1000.00 Monthly 2.71% 2.75%
4 Year $1000.00 Monthly 2.71% 2.75%
5 Year $1000.00 Monthly 2.81% 2.85%

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 10/23/2023 and are subject to change.

Minimum Balance to Earn Dividends Dividend Period Dividend Rate APY
$1,000 - $9,999.99 Monthly 1.34% 1.35%
$10,000 - $24,999.99 Monthly 1.49% 1.50%
$25,000 - $49,999.99 Monthly 1.64% 1.65%
$50,000 - $99,999.99 Monthly 1.79% 1.80%
$100,000 + Monthly 2.03% 2.05%

 


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%