Rates

*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 8/26/2024 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. 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. 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. Investment Client

*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. Rates available are subject to credit approval and subject to change without notice.

*Annual Percentage Rate. Rates available subject to credit approval and subject to change without notice. Rates are effective as of 7/27/23.

*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.

*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 8/26/2024 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. 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. 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. Investment Client

*Annual Percentage Yield. Rates available as of 7/1/23 and are subject to change.

*Annual Percentage Yield. Rates available as of 10/23/2023 and are subject to change.

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.