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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 an 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 04/10/2021
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 Month0.25%0.25%3 months interest
8 Month0.25%0.25%3 months interest
9 Month0.30%0.30%6 months interest
10 Month0.30%0.30%6 months interest
12 Month0.55%0.55%6 months interest
13 Month0.45%0.45%6 months interest
17 Month0.50%0.50%6 months interest
18 Month0.50%0.50%9 months interest
24 Months “My Choice2“0.60%0.60%12 months interest
36 Month “My Choice2“0.70%0.70%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.