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Joining UKFCU means you’re not just an account holder – you’re a valued member.
Effective Date: 1/9/2025
| Minimum Balance to Earn Dividends | Dividend Period | Divided Rate | APY* |
|---|---|---|---|
| $0.00 - $25,000 | Monthly | 3.93% | 4.00% |
| $25,000.01 - $50,000 | Monthly | 0.50% | 0.50% |
| $50,000.01 - $100,000 | Monthly | 0.75% | 0.75% |
| $100,000.01 - $250,000 | Monthly | 1.00% | 1.00% |
| $250,000.01+ | Monthly | 1.49% | 1.50% |
*Annual Percentage Yield. Rates are current as of 1.9.25. Membership eligibility required. $1,000 minimum balance required to open High Yield Savings Account (HYSA). HYSAs are tiered-rate accounts. The balance ranges for the tiers are: Tier 1 - $0 to $25,000 (4.00% APY); Tier 2 - $25,000.01 to $50,000 (0.50% APY); Tier 3 - $50,000.01 to $100,000 (0.75% APY); Tier 4 - $100,000.01 to $250,000 (1.00% APY) and; Tier 5 - $250,000.01+ (1.50% APY). HYSAs are blended-rate accounts, with only the amounts falling within each tier being eligible for applicable APY. Resulting APY ranges for each tier are: Tier 1 - 4.00%; Tier 2: 2.25% to 3.99%; Tier 3: 1.50% to 2.24%; Tier 4 - 1.20% to 1.49% and; Tier 5: Up to 1.49%. Fees may reduce earnings. Rates may change after an account has been opened. Limit of one HYSA per primary member's Social Security Number. Please see a representative for additional details, other restrictions may apply. Federally insured by NCUA.
Effective Date: 1/9/2025
| Minimum Balance to Earn Dividends | Dividend Period | Dividend Rate | APY* |
|---|---|---|---|
| $1,000 - $9,999.99 | Monthly | 0.60% | 0.60% |
| $10,000 - $24,999.99 | Monthly | 0.70% | 0.70% |
| $25,000 - $49,999.99 | Monthly | 1.00% | 1.00% |
| $50,000 - $99,999.99 | Monthly | 1.14% | 1.15% |
| $100,000 + | Monthly | 1.24% | 1.25% |
*APY = Annual Percentage Yield. Rates are current as of 1.9.25. $1,000 minimum balance required to open Money Market Account (MMA) and to maintain the stated APY. MMAs are tiered-rate accounts. Once the threshold for a particular tier is met, the applicable APY rate will apply to the entire balance. Fees may reduce earnings. Rates may change after an account has been opened. Business accounts are not eligible to open MMAs. Please see a representative for additional details, other restrictions may apply. Federally insured by NCUA.
Effective Date: 1/9/2025
| Period | Regular Rate | Regular APY* | TruBlue Rate | TruBlue APY** | Minimum Balance |
|---|---|---|---|---|---|
| 3 Months | 0.25% | 0.25% | 0.25% | 0.25% | $1,000 |
| 6 Months | 1.74% | 1.75% | 1.98% | 2.00% | $1,000 |
| 11 Months | 3.69% | 3.75% | 3.93% | 4.00% | $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 |
*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 1/9/2025 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:
- An Active Checking Account 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. - 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. - An Investment Client
Effective Date: 6/20/2023
| Period | Minimum Balance | Dividend Period | Dividend Rate | APY* |
|---|---|---|---|---|
| 2 Year | $1,000.00 | Monthly | 2.32% | 2.35% |
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.
Effective Date: 1/9/2025
| Period | Regular Rate | Regular APY* | TruBlue Rate | TruBlue APY** | Minimum Balance |
|---|---|---|---|---|---|
| 6 Months | 1.74% | 1.75% | 1.98% | 2.00% | $1,000 |
| 11 Months | 3.69% | 3.75% | 3.93% | 4.00% | $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 |
*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 1/9/2025 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:
- 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. - 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. - An Investment Client
Effective Date: 1/17/2025
| Account Type | Minimum Balance to Earn Dividends | Dividend Period | Dividend Rate | APY* |
|---|---|---|---|---|
| Senior Share | $100.00 | Monthly | 0.08% | 0.10% |
| IRA Savings | $0.01 | Monthly | 0.08% | 0.10% |
| Club Savings | $0.01 | Monthly | 0.08% | 0.10% |
| Prime Share | $100.00 | Monthly | 0.05% | 0.05% |
*Annual Percentage Yield. Rates available as of 1/17/25 and are subject to change.
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