Put Your Money to Work

Putting away money is always hard, but not spending it is the real challenge. Invest in a UKRFCU Certificate and accomplish your savings goals faster. With a minimum deposit of $500 and terms ranging from three months to five years, you can start saving today, to enjoy later. UKRFCU’s Certificates offer members:

  • Daily compounding of interest with monthly posting
  • IRA Certificates available

 

Certificate Rates

Effective as of October 1, 2025

TypeRateAPY1Early Withdrawal Penalty
3 Month2.25%2.27%1 month interest
6 Month4.25%4.34%1 month interest
9 Month3.00%3.04%3 months interest
12 Month3.50%3.56%3 months interest
18 Month3.50%3.56%3 months interest
24 Months3.55%3.61%3 months interest
36 Month 3.60%3.66%3 months interest
60 Month 3.85%3.92%6 months interest

1Annual Percentage Yield (APY).

$500 minimum balance required to open and earn APY. A penalty may be imposed for early withdrawals. All rates are subject to change without notice.

In order to open a Certificate, you must be a member of UKRFCU. To learn more about our general membership and eligibility requirements, click below.

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Disclosures

Read more about UKRFCU’s Certificate Disclosures here.

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Financial Calculators

Calculate your future earnings with UKRFCU’s financial calculators.

Questions?

A Certificate can be opened at any branch location, by mail, or by fax.

Certificates require a signature, therefore we do not renew them over the phone. To renew a share certificate please visit one of our branches, or email us at members@ukrfcu.com

  • Yes. If Certificate funds other than dividends are withdrawn prior to maturity, the penalty is as follows:
  • 3-8 month certificates, it is a penalty of 3 months interest.
  • 9-17 month certificates, it is a penalty of 6 months interest.
  • 18 month certificate, it is a penalty of 9 months interest.
  • 24-60 month certificates, it is a penalty of 12 months interest.