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¹Must have UK Credit Union account with active direct deposit. Early Pay is subject to when we receive pay information from the Federal Reserve. Some exclusions may apply to non-traditional ACH account credits. ²Debit 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. ³There is no surcharge for using a UK Credit Union ATM or any ATM within the Co-op, Alliance One, or Allpoint networks. Fees may apply at out-of-network ATMs. ⁴Available for the account holder and their spouse/domestic partner and up to six (6) dependent children age 2 and older. This is not insurance. ⁵Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Insurance products are not insured by NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate. ⁶BlueVantage Checking Accounts are eligible for reimbursement of up to $10 in surcharge fees from non-UK Credit Union ATMs per statement cycle. Reimbursement will be paid into your checking account by the fifth day of the following month's statement cycle or the next business day. ⁷Student Rewards Accounts are checking accounts only available to members 13-25 years of age, enrolled in school (primary, secondary or post-secondary education, verified at account opening). Student Rewards Accounts are eligible for 5% cashback on the sum of all PIN and signature-based debit card transactions. The cashback will be paid to your checking account by the fifth day of the following month’s statement cycle or the next business day. The cashback will be capped at $10 per month per checking account for a maximum annual total of $120. Cashback amounts paid to your account may be considered 1099-MISC income and may be reported to the IRS; please consult your tax professional. If your checking account has a negative balance on any day of the month, you will forfeit the cashback payment to your account for that calendar month. You are eligible for this cashback payment until your Student Rewards Account is converted to a UK Credit Union Checking account or the date of your 26th birthday. Conversion of a Smart Checking for Students Account to a Student Rewards Account can only be completed by calling 859.264.4200 or visiting a physical UK Credit Union branch location. Federally insured by NCUA. ⁸Annual 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. ⁹NATIONAL 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.