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Share Certificate

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Put Your Money to Work

Putting away money is always hard, but not spending it is the real challenge. Invest in a UKRFCU Share 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 Share Certificates offer members:

  • Daily compounding of interest with monthly posting
  • My Choice Share Certificate allows a one-time rate increase corresponding with current advertised 24-month or 36-month. My Choice 60-month Share Certificate allows a two-time rate increase.
  • Deposits of $75,000 or more can add 0.10% to the advertised APY*
  • IRA Certificates available

Share Certificate Rates

Effective as of 05/19/2022
TypeRateAPY1Early Withdrawal Penalty
3 Month0.20%0.20%3 months interest
5 Month0.25%0.25%3 months interest
6 Month0.25%0.25%3 months interest
7 Month0.70%0.70%3 months interest
8 Month0.30%0.30%3 months interest
9 Month0.30%0.30%6 months interest
10 Month0.30%0.30%6 months interest
12 Month0.50%0.50%6 months interest
13 Month1.70%1.71%6 months interest
17 Month0.50%0.50%6 months interest
18 Month0.70%0.70%9 months interest
24 Months “My Choice2“0.70%0.70%12 months interest
36 Month “My Choice2“1.70%1.71%12 months interest
60 Month “My Choice2“1.00%1.01%12 months interest
Jumbo Certificates> $75,000add .10%

1Annual Percentage Yield (APY).  2My Choice Share Certificate allows a one-time rate increase corresponding with current advertised 24-month, or 36-month. My Choice 60-month Share Certificate allows a two-time rate increase. The new rate will remain in effect until the certificate maturity date.

$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 Share 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?

How do I open a Share Certificate?

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

Can I change my Share Certificate over the phone?

Share 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 info@ukrfcu.com

How many days do I have once a Share Certificate matures to make a decision regarding what to do with my money on that account?

You have 10 calendar days from the date of maturity.

Is there a penalty for early withdrawal?
  • 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.