Become a UKFCU Member Today!
Joining UKFCU means you’re not just an account holder – you’re a valued member.
High Yield Savings Account
Earn up to 4.00% APY* on balances up to $25,000!
Save what you want. When you want. With UK Credit Union's High Yield Savings Account.
We're all saving for something. But if your savings account isn't keeping up, you could be leaving real money on the table every single month.
UK Credit Union's High Yield Savings Account offers up to 4.00% APY*, a rate that puts your money to work well above what more standard savings accounts offer.
No monthly maintenance fee. Easy access to your funds whenever you need them. No catches.
High Yield Savings Account Benefits
In addition to offering a savings rate almost 10 times higher than the national average**, our High Yield Savings Account offers various other benefits, including:
- No Minimum Balance
- No Monthly Service Charge
- No Restrictions on Withdrawals or Deposits
- Mobile Banking
- Online Banking
- Overdraft Protection on Your Checking Account
- e-Statements
- As High as 4.00% APY*!
Get started today with a minimum opening deposit of $1,000 and start saving FOUR something!
Click below to open your High Yield Savings Account or visit one of our eight branches!
Save 10 Times More!
Our High Yield Savings Account rate is almost 10 times higher than the national average**
Savings + Checking
UK Credit Union's Simple Checking account includes all the features that allow you to manage your money, your way including Debit Card Cash Back, Early Pay, and more!
On-the-go, online, or wherever you are in the world, you get the flexibility that fits your life today. Let's get started.
Debit Card Cash Back Rewards
That's right—more value with every swipe.
No limits. No sign-ups.
Once you reach a minimum of 11 debit card swipes within a monthly statement cycle, you’ll earn $0.05 cash back per swipe***, automatically deposited into your checking account.
It’s our way of rewarding you for doing what you already do—banking with UK Credit Union.
UK Credit Union Mobile App
Online banking doesn’t have to be done from your desktop. When you download the UK Credit Union Mobile Banking app on your smartphone, enjoy all the conveniences of online banking on the go.
Mobile Banking features:
- Pay bills from anywhere, any time of day
- View your credit card transactions
- Locate free ATMs wherever you are
- Deposit checks with Mobile Deposit
...and so much more!
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* Annual Percentage Yield. Rates are current as of 1.2.25. 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.
** NATIONAL AVERAGE: National Average APY is based on the “Savings/National Deposit Rates" line item on the “National Rates and Rate Caps” list provided by the Federal Deposit Insurance Corporation (FDIC) as of 12/16/24. FDIC data is obtained from public sources; accuracy and completeness is not guaranteed. FDIC is not liable for reliance on the data.
*** Debit Card Cash Back Rewards available on all UK Credit Union accounts with an associated debit card, excluding Student Rewards Accounts. Members earn $0.05 cash back for each qualifying signature-based debit card transaction once a minimum of 11 transactions are completed within a calendar month, including joint account holder cards. PIN-based transactions, checks, cash withdrawals, and other non-signature transactions do not qualify. Cash back will be credited to the checking account by the fifth day of the following month or the next business day. Transactions that are returned or fully refunded within the same calendar month will reduce the payout by $0.05 per returned transaction; partial refunds or refunds processed in a later month will not reduce the payout. Please see a representative for additional details. Membership eligibility required. Federally insured by NCUA.
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