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 June 1, 2023

TypeRateAPY1Early Withdrawal Penalty
3 Month3.00%3.05%3 months interest
5 Month0.50%0.50%3 months interest
6 Month3.50%3.50%3 months interest
7 Month0.75%0.75%3 months interest
8 Month0.75%0.75%3 months interest
9 Month3.75%3.82%6 months interest
10 Month1.00%1.01%6 months interest
12 Month4.55%4.65%6 months interest
13 Month1.00%1.01%6 months interest
17 Month1.00%1.01%6 months interest
18 Month4.55%4.65%9 months interest
24 Months “My Choice22.75%2.79%12 months interest
36 Month “My Choice24.55%4.65%12 months interest
60 Month “My Choice23.75%3.82%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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Read more about UKRFCU’s Certificate Disclosures here.


Financial Calculators

Calculate your future earnings with UKRFCU’s financial calculators.


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

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

  • 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 If Certificate funds other than dividends are withdrawn prior to maturity, the penalty is as follows: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.