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* — nearly 10× the national average — with zero market risk. Federally insured, no minimum balance, open online in 3 minutes.
Open an Account View Features*APY = Annual Percentage Yield. Rates variable. Federally insured by NCUA. Membership eligibility required.
4.00%
APY* — Up to 10× National Average
$0
Monthly Fees
$350K
NCUA-Insured Coverage
3 min
To Open Online
Are Your Savings Working Hard Enough?
Most big banks pay a fraction of what UK Credit Union pays on savings. See for yourself.
| Feature | UK Credit Union | National Average | Typical Big Bank |
|---|---|---|---|
| Annual Percentage Yield (APY)* | 4.00% | 0.41% | 0.01–0.10% |
| $10,000 saved for 1 year earns | ~$400 | ~$41 | ~$1–$10 |
| Monthly Maintenance Fee | ✓ $0 | Varies | $5–$25 |
| Minimum Balance to Earn Rate | ✓ None | Often $10,000+ | $25,000+ |
| NCUA / FDIC Insured | ✓ Up to $350,000 | Up to $250,000 | Up to $250,000 |
| No Market Risk | ✓ Guaranteed | Guaranteed | Guaranteed |
Ready to Earn 4.00% APY?
Takes 3 minutes online — no branch visit, no minimum deposit required.
Open Your Account in 3 Easy Steps
No branch visit required. Do it from your phone or computer right now.
1
Apply Online
Complete your application in about 3 minutes. You'll need your SSN, date of birth, and address.
2
Fund Your Account
Transfer any amount from an existing account to get started. No minimum deposit required.
3
Start Earning 4.00%*
Your APY is credited monthly, automatically. Watch your savings grow with zero risk.
A Credit Union You Can Trust
UK Credit Union has been recognized by Forbes as one of America's Best Credit Unions (2024 & 2025) and by Newsweek as a Best Regional Credit Union in 2026. When you save with us, you're saving with one of the most trusted financial institutions in Kentucky.
- ✓ Federally insured by NCUA — up to $350,000
- ✓ 2026 Newsweek Best Regional Credit Union
- ✓ Forbes Best Credit Union 2024 & 2025
- ✓ 2025 Best of Lexington — Gold Winner
4.00%
APY*
High Yield Savings Account
Nearly 10× the national average
Nearly 10× the national average
$0 Monthly Fee | No Minimum Balance
Open online in 3 minutes
Open online in 3 minutes
Stop Leaving Money on the Table.
Every day your savings sit at 0.41%, you're losing ground to inflation. Make the switch today.
Open My High Yield Savings Account
*APY = Annual Percentage Yield. Rates are variable and subject to change at any time without notice. Membership eligibility required. Federally insured by NCUA. Deposits insured up to $350,000 including excess share insurance. National average rate of 0.41% sourced from FDIC.gov National Rates data. All comparisons are for informational purposes and reflect approximate market data.
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