At UKFCU, you’re not just an account — you’re a member. That’s one reason why your savings account is called your Prime Share savings account. You can open your Prime Share savings account with a minimum balance of $25.

Your Prime Share is the best savings account, with benefits including:

  • No monthly surcharge
  • Direct Deposit
  • Overdraft protection on your checking account
  • Online savings account for convenience

In addition to these great benefits, your Prime Share is a high-interest savings account, earning you monthly interest when your balance is at least $100.

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share Senior Share

If you are age 54 and older, you can enjoy even greater returns by opening a Senior Share savings account. With this savings account, you’ll earn a higher dividend rate than the Prime Share savings account. You’ve earned it!

Senior Share savings account benefits include:

  • No minimum balance required
  • Monthly interest paid (with a balance of at least $100)
  • No restrictions on withdrawals or deposits
  • Higher dividend rates than a regular Prime Share savings account

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banknote Share Certificates

Earn higher returns on your money with a low-risk share certificate at UKFCU. Choose the term length that works for you—whether it's months or years—and watch your money grow. With a share certificate, you can earn higher returns than you will on a traditional savings or checking account. Even better, as a credit union, UKFCU is able to offer higher annual percentage yields than a traditional bank.

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moneybag Money Market Savings Accounts

Let your money work for you with a UKFCU money market savings account. Your money market account earns a higher interest rate than your regular saving account, so it pays to save. Your money market account is also flexible, similar to your checking account, so you can access funds on the spot when you need them. You can open a money market account with a minimum balance of $1,000.

Money Market Account benefits include:

  • No monthly maintenance fee
  • Monthly interest earned on accounts carrying a balance of at least $1000
  • Tiered interest rates offer higher money market account rates for higher balances

The National Credit Union Administration (NCUA), a US government agency, protects your money market account. Funds are insured up to $250,000.00. Excess Share Insurance Corporation, a private corporation, also insures your funds up to an additional $100,000.00. Learn more about the NCUA share insurance fund HERE.

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home Individual Retirement Accounts (IRAs)

All of us look forward to the day we can retire, and one way to ensure you can do so without worry is opening an Individual Retirement Account (IRA) from UKFCU. An IRA is a terrific way to save for the future while gaining the benefits of a tax deduction.

At UKFCU, we offer all types of IRAs, including:

  • Traditional IRAs
  • Simple IRAs
  • Roth IRAs
  • Simplified Employee Pension (SEP) IRAs

IRAs are made up of a range of financial products, including stocks, bonds and mutual funds, to form a singular long-term investment. One of our experienced financial advisors can help you determine the right combination of retirement options to help you plan for a secure future.

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piggybank Club Savings Accounts

Saving for a special occasion is easy when you open a club savings account. A club savings account allows you to automatically set aside funds in a separate account, where you can save it until needed. It’s the painless way to save for a vacation, a wedding, holiday spending and more.

Club savings account benefits include:

  • No minimum balance required
  • Monthly interest paid (with a balance of at least $.01)
  • No restrictions on withdrawals or deposits
  • Automatic transfer for easy saving

Christmas Club savings account balances will transfer to your Prime Share savings account or checking account on October 1 of each year.

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