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16-Month 4.50% APY* Savings Certificate Special
As the leaves change, settle into a competitive rate that helps your money grow.
Harvest More from Your Savings with 4.50% APY*
Looking for a smarter place to grow your savings? For a limited time, UK Credit Union is offering a 16-Month Savings Certificate Special at 4.50% APY* — a short-term boost with long-lasting benefits.
Ready to get started?
It’s simple: secure a great rate, watch your savings grow, and reach your goals faster with a guaranteed return.
Don’t miss your chance. Click “Open an Account” or stop by any of our nine branches to get started.
Effective Date: 10/26/2026
| Period | Regular Rate | Regular APY¹ | TruBlue Rate | TruBlue APY² | Minimum Balance |
|---|---|---|---|---|---|
3 Months | 0.25% | 0.25% | 0.25% | 0.25% | $1,000 |
5 Months Special³ | 4.17% | 4.25% | 4.17% | 4.25% | $1,000 |
6 Months | 1.49% | 1.50% | 1.74% | 1.75% | $1,000 |
9 Months (Northern Kentucky Special)⁴ | 4.89% | 5.00% | 4.89% | 5.00% | $1,000 |
11 Months Special⁵ | 4.27% | 4.35% | 4.27% | 4.35% | $1,000 |
1 Year | 1.98% | 2.00% | 2.23% | 2.25% | $1,000 |
16 Months Special⁵ | 4.41% | 4.50% | 4.41% | 4.50% | $1,000 |
18 Months | 1.98% | 2.00% | 2.23% | 2.25% | $1,000 |
2 Years | 1.98% | 2.00% | 2.23% | 2.25% | $1,000 |
3 Years | 2.23% | 2.25% | 2.47% | 2.50% | $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 |
¹Annual 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 9/1/2026 and subject to change at the discretion of UK Credit Union at any time.
²TruBlue 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
³Special certificates, including IRA certificates, are offered at the discretion of the credit union and are subject to change at any time. The 5-month certificate will renew at the 6-month rate and term.
⁴Northern Kentucky Specials are available for residents of the following ZIP Codes: 41011, 41012, 41014, 41018, 41051, 41053, 41063, 41005, 41021, 41022, 41042, 41048, 41080, 41091, 41092, 41094, 41099, 41001, 41007, 41059, 41071, 41076, 41085. Special certificates, including IRA certificates, are offered at the discretion of the credit union and are subject to change at any time. The 9-month certificate will renew at the 1-year rate and term.
⁵Annual Percentage Yield. Rates are current as of 10.26.26. Membership eligibility is required, $1,000 minimum balance required to open certificate and earn stated APY. Fees may reduce earnings. Early withdrawal penalties may apply. Please see a representative for additional details, other restrictions may apply. Rates available are subject to change without notice.
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*Annual Percentage Yield. Rates are current as of 10.26.26. Membership eligibility is required, $1,000 minimum balance required to open certificate and earn stated APY. Fees may reduce earnings. Early withdrawal penalties may apply. Please see a representative for additional details, other restrictions may apply. Rates available are subject to change without notice.
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