RATES A A A CAR VEHICLE LOAN RATES *Annual Percentage Rate. Rates available are subject to credit score and subject to change without notice. Rates shown include the 1% buy-down program discount and no additional discount is available beyond these rates. Additional conditions may apply. Rates are effective as of 7/1/21. Amount Financed Annual Percentage Rate (APR) New / Used Vehicle - Terms 75 months or less As low as 2.74% APR* New / Used Vehicle - Terms 76 months or greater As low as 2.99% APR* New / Used Vehicle - 5 Year Balloon As low as 7.74% APR* New / Used Motorcycle As low as 6.24% APR* New / Used ATV / UTV As low as 6.74% APR* New / Used Boat / Jet Ski / RV As low as 5.49% APR* CREDITCARD CREDIT CARDS *Annual Percentage Rate. Rates available subject to credit approval and subject to change without notice. Rates are effective as of 03/17/20. Application and Solicitation Disclosure (PDF) Card Grace Period Annual Fee APR Visa Platinum 5 Days $0.00 As low as Prime + 3.99% APR* Currently: 7.24% APR* Signature Card 5 Days $0.00 As low as Prime + 6.49% APR* Currently: 9.74% APR* REDIRECT LOANS *Annual Percentage Rate. Rates available subject to credit approval and subject to change without notice. **Home Equity Line of Credit rate is Prime minus 1%, with a floor of 3.00%. Rates are effective as of 5/24/21. Loan Type Annual Percentage Rate (APR) First Mortgage Contact a Mortgage Representative for rate details Home Equity Loan As low as 3.49% APR* Home Equity Line Of Credit As Low as Prime minus 1%, currently 3.00%** Signature/Unsecured As low as 9.99% APR* Holiday / Vacation As low as 9.49% APR* Overdraft Protection As low as 9.49% APR* 100% Share Secured As low as 2.05% APR* 50% Share Secured As low as 3.05% APR* Certificate Secured 2.00% APR* above the Share Certificate dividend rate NEWSPAPER JUMBO SHARE CERTIFICATE *Annual Percentage Yield assuming dividends are reinvested annually/at maturity and required minimum to open is met. Dividends are calculated on an average daily balance and will be credited by dividend type selection at opening. Rates available as of 10/18/2021 and are subject to change. For full disclosures, click here. CD Rates Disclosure (PDF) Period Minimum Balance Dividend Payment Dividend Rate APY 1 Year $100,000.00 Monthly .55% .55% 1 Year $100,000.00 At Maturity .55% .55% 18 Months $100,000.00 Monthly .65% .65% 18 Months $100,000.00 Annually .65% .65% 2 Year $100,000.00 Monthly .75% .75% 2 Year $100,000.00 Annually .75% .75% 3 Year $100,000.00 Monthly .85% .85% 3 Year $100,000.00 Annually .85% .85% 4 Year $100,000.00 Monthly .95% .95% 4 Year $100,000.00 Annually .95% .95% 5 Year $100,000.00 Monthly 1.05% 1.05% 5 Year $100,000.00 Annually 1.05% 1.05% CHARTS IRA SHARE CERTIFICATE *Annual Percentage Yield assuming dividends are reinvested annually/at maturity and required minimum to open is met. Dividends are calculated on an average daily balance and will be credited by dividend type selection at opening. Rates available as of 10/18/2021 and are subject to change. For full disclosures, click here. CD Rates Disclosure (PDF). Period Minimum Balance Dividend Payment Dividend Rate APY 1 Year $1000.00 At Maturity .50% .50% 18 Months $1000.00 Annually .60% .60% 2 Year $1000.00 Annually .70% .70% 3 Year $1000.00 Annually .80% .80% 4 Year $1000.00 Annually .90% .90% 5 Year $1000.00 Annually 1.00% 1.00% MONEYBAG SAVINGS ACCOUNT *Annual Percentage Yield. Rates available as of 3/1/21 and are subject to change. Truth in Savings Disclosure (PDF) Account Type Minimum Balance to earn Dividends Dividend Period Dividend Rate APY Senior Share $100.00 Monthly .10% .10% Club Accounts $.01 Monthly .10% .10% IRA Accounts $.01 Monthly .10% .10% Prime Share $100.00 Monthly .05% .05% ANALYTICS MONEY MARKET ACCOUNTS *Annual Percentage Yield. Rates available as of 3/01/21 and are subject to change. Truth in Savings Disclosure (PDF) Minimum Balance to earn Dividends Dividend Period Dividend Rate APY $1,000 - $9,999.99 Monthly .20% .20% $10,000 - $24,999.99 Monthly .20% .20% $25,000 - $49,999.99 Monthly .30% .30% $50,000 + Monthly .35% .35% PERCENT STEP RATE SHARE CERTIFICATE *Annual Percentage Yield assuming dividends are reinvested annually/at maturity and required minimum to open is met. Dividends are calculated on an average daily balance and will be credited by dividend type selection at opening. Rates available as of 10/18/2021 and are subject to change. For full disclosures, click here. CD Rates Disclosure (PDF) Period Minimum Balance Dividend Payment Dividend Rate APY 2 Year $1000.00 Monthly .60% .60% 2 Year $1000.00 Annually .60% .60% NEWSPAPER REGULAR SHARE CERTIFICATE *Annual Percentage Yield assuming dividends are reinvested annually/at maturity and required minimum to open is met. Dividends are calculated on an average daily balance and will be credited by dividend type selection at opening. Rates available as of 10/18/2021 and are subject to change. For full disclosures, click here. CD Rates Disclosure (PDF) Period Minimum Balance Dividend Payment Dividend Rate APY 3 Months $1000.00 At Maturity .30% .30% 6 Months $1000.00 At Maturity .40% .40% 1 Year $1000.00 Monthly .50% .50% 1 Year $1000.00 At Maturity .50% .50% 18 Months $1000.00 Monthly .60% .60% 18 Months $1000.00 Annually .60% .60% 2 Year $1000.00 Monthly .70% .70% 2 Year $1000.00 Annually .70% .70% 3 Year $1000.00 Monthly .80% .80% 3 Year $1000.00 Annually .80% .80% 4 Year $1000.00 Monthly .90% .90% 4 Year $1000.00 Annually .90% .90% 5 Year $1000.00 Monthly 1.00% 1.00% 5 Year $1000.00 Annually 1.00% 1.00% CAREERS Careers Job Listings COMMUNITY Community Outreach UKFCU Seminars Scholar Connect Support Our Troops Volunteer Opportunities Become a Member Shopper Member Suggestion Box QUICK LINKS Apply for a Loan Become a Member Locate ATMs Contact Us Locations Calculators Credit Card Access FAQs RESOURCES Forms and Policies Newsletter Mission & Values Video Library Holiday Schedule NMLS ID Numbers Brochures ADA Accessibility Get the UKFCU App on Google Play or the App Store! phone 859.264.4200 Toll Free 800.234.8528 mail contact@ukfcu.org location 1730 Alysheba Way Lexington, KY 40509 ABA/Routing No.: 242176129 NMLS ID No.: 491194 Copyright 2020 University of Kentucky Federal Credit Union Federally Insured by NCUA