Credit union · NCUA insured
UK Credit Union CD Rates
UK Credit Union’s best CD rate is 5.00% APY on a 9-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How UK Credit Union’s CD rates compare
Compared with banks and credit unions near Lexington, KY, where UK Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
UK Credit Union
5.00%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $373
Special Certificate
2nd-highest rate
Commonwealth Credit Union
5.00%APY
- Term
- 24 months
- Minimum
- $5
- Earns on $10,000
- $1,025
3rd-highest rate
Peoples Exchange Bank
4.50%APY
- Term
- 13 months
- Minimum
- —
- Earns on $10,000
- $488
UK Credit Union CD score
89
CD score
Higher than 90% of U.S. banks and credit unions
- 3–8 months3–8 mo4.25%
- 9–15 months9–15 mo5.00%
- 16–30 months16–30 mo2.35%
- 31–60 months31–60 mo2.85%
- QualifiedQualified5.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where UK Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Special Certificate
Up to 5.00%APY · 2 terms
Special certificate accounts offered at the discretion of the credit union and subject to change at any time. Automatic renewal rules apply (5-month renews at 6-month rate/term; 9-month renews at 1-year rate/term). 9-Month special is restricted to residents of specific Northern Kentucky ZIP codes. TruBlue pricing does not add additional boost or rate is already matched.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 months5-Month Special. Renews at the 6-month rate and term. Fixed rate. Automatic renewal | 4.25% | $175 |
| 9 months9-Month Northern Kentucky Special. Available for residents of specified Northern Kentucky ZIP codes: 41011, 41012, 41014-41018, 41051, 41053, 41063, 41005, 41021, 41022, 41042, 41048, 41080, 41091, 41092, 41094, 41099, 41001, 41007, 41059, 41071-41076, 41085. Renews at the 1-year rate and term. Fixed rate. Automatic renewal | 5.00% | $373 |
Sources (3)
- ukcreditunion.org/5monthcertificatespecial
- ukcreditunion.org/save-spend/rates
- ukcreditunion.org/truth-in-savings-certificate-accounts
All captured Sep 19, 2026
Certificate Accounts
Up to 2.85%APY · 8 terms
Dividends are calculated daily and compounded monthly. Minimum required share purchase to establish membership is 1 share ($5.00 par value). TruBlue pricing provides a 0.25% APY boost for qualifying members (active checking/money market, qualifying loan, or investment client). Early withdrawal penalties apply (90 days dividends for terms <= 18 months, 180 days for terms >= 2 years).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsRegular rate. Fixed rate. Automatic renewal | 0.25% | $6 |
| 6 monthsRegular rate. Fixed rate. Automatic renewal | 1.50% | $75 |
| 6 monthsTruBlue rate. Fixed rate. Requires TruBlue membership. Automatic renewal | 1.75% | $87 |
| 12 monthsRegular rate. Fixed rate. Automatic renewal | 2.00% | $200 |
| 12 monthsTruBlue rate. Fixed rate. Requires TruBlue membership. Automatic renewal | 2.25% | $225 |
| 18 monthsRegular rate. Fixed rate. Automatic renewal | 2.00% | $301 |
| 18 monthsTruBlue rate. Fixed rate. Requires TruBlue membership. Automatic renewal | 2.25% | $339 |
| 24 monthsRegular rate. Fixed rate. Automatic renewal | 2.00% | $404 |
| 24 monthsTruBlue rate. Fixed rate. Requires TruBlue membership. Automatic renewal | 2.25% | $455 |
| 36 monthsRegular rate. Fixed rate. Automatic renewal | 2.25% | $690 |
| 36 monthsTruBlue rate. Fixed rate. Requires TruBlue membership. Automatic renewal | 2.50% | $769 |
| 48 monthsRegular rate. Fixed rate. Automatic renewal | 2.50% | $1,038 |
| 48 monthsTruBlue rate. Fixed rate. Requires TruBlue membership. Automatic renewal | 2.75% | $1,146 |
| 60 monthsRegular rate. Fixed rate. Automatic renewal | 2.60% | $1,369 |
| 60 monthsTruBlue rate. Fixed rate. Requires TruBlue membership. Automatic renewal | 2.85% | $1,509 |
Sources (2)
All captured Sep 19, 2026
Bump-Rate Certificate
2.35%APY · 1 term
During the term of your Bump-Rate Certificate account, you may increase the rate one time to the rate currently in effect for accounts of this type with the same term. Excluded from TruBlue 0.25% APY pricing boost. Automatic renewal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsFixed rate. One-time rate increase option during term. Automatic renewal. Excluded from TruBlue boost | 2.35% | $476 |
Sources (1)
- ukcreditunion.org/truth-in-savings-certificate-accounts · captured Sep 19, 2026
Special-purpose accounts
Special IRA Certificate
5.00%APY · 1 term
Special IRA certificate offered at the discretion of the credit union and subject to change at any time. Available for residents of specified Northern Kentucky ZIP codes: 41011, 41012, 41014-41018, 41051, 41053, 41063, 41005, 41021, 41022, 41042, 41048, 41080, 41091, 41092, 41094, 41099, 41001, 41007, 41059, 41071-41076, 41085. The 9-month certificate will renew at the 1-year rate and term. Automatic renewal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 months9-Month Northern Kentucky Special. Available for residents of specified Northern Kentucky ZIP codes. Renews at the 1-year rate and term. Fixed rate. Automatic renewal | 5.00% | $373 |
Sources (2)
All captured Sep 19, 2026
IRA Certificate Accounts
Up to 4.00%APY · 8 terms
Individual Retirement Account (IRA) certificate. Dividends compounded monthly. TruBlue members receive a 0.25% APY increase for initial term. Early withdrawal penalties apply (90 days dividends for terms <= 18 months, 180 days for terms >= 2 years), with statutory IRA exceptions. Automatic renewal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsRegular rate. Fixed rate. Automatic renewal | 1.50% | $75 |
| 6 monthsTruBlue rate. Fixed rate. Requires TruBlue membership. Automatic renewal | 1.75% | $87 |
| 11 monthsFixed rate. TruBlue eligible / maximum rate listed. Automatic renewal | 4.00% | $366 |
| 12 monthsRegular rate. Fixed rate. Automatic renewal | 2.00% | $200 |
| 12 monthsTruBlue rate. Fixed rate. Requires TruBlue membership. Automatic renewal | 2.25% | $225 |
| 18 monthsRegular rate. Fixed rate. Automatic renewal | 2.00% | $301 |
| 18 monthsTruBlue rate. Fixed rate. Requires TruBlue membership. Automatic renewal | 2.25% | $339 |
| 24 monthsRegular rate. Fixed rate. Automatic renewal | 2.00% | $404 |
| 24 monthsTruBlue rate. Fixed rate. Requires TruBlue membership. Automatic renewal | 2.25% | $455 |
| 36 monthsRegular rate. Fixed rate. Automatic renewal | 2.25% | $690 |
| 36 monthsTruBlue rate. Fixed rate. Requires TruBlue membership. Automatic renewal | 2.50% | $769 |
| 48 monthsRegular rate. Fixed rate. Automatic renewal | 2.50% | $1,038 |
| 48 monthsTruBlue rate. Fixed rate. Requires TruBlue membership. Automatic renewal | 2.75% | $1,146 |
| 60 monthsRegular rate. Fixed rate. Automatic renewal | 2.60% | $1,369 |
| 60 monthsTruBlue rate. Fixed rate. Requires TruBlue membership. Automatic renewal | 2.85% | $1,509 |
Sources (2)
All captured Sep 19, 2026
Who can join UK Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, study, or worship in designated areas of Fayette, Jessamine, Garrard, Madison, Scott, Bourbon, Montgomery, Bath, Menifee, Powell, Wolfe, Lee, Jackson, and Rockcastle Counties are eligible for membership.
Employers and groups
- Members of the American Consumer Council are eligible for membership.
- Current and retired employees of over 100 preferred partner organizations across Central Kentucky are eligible for membership.
Military, government and schools
- Current and former students/alumni of University of Kentucky, Eastern Kentucky University, Bluegrass Community & Technical College, Kentucky Community & Technical College System, and more are eligible for membership.
- Current and retired employees of the University of Kentucky are eligible for membership.
Family and household
- Relatives of a current member (spouse, sibling, parent/step-parent, child/step-child, grandchild, uncle, or aunt) are eligible for membership.
Membership information collected October 4, 2026.