Credit union · NCUA insured
UK Credit Union Savings Rates
UK Credit Union’s best savings rate is 0.70% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How UK Credit Union’s savings 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
0.70%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $70
Money Market Account
Top rate
Republic Bank
3.75%APY
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000 a year
- $375
2nd-highest rate
Blue Grass Federal
3.50%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $350
UK Credit Union savings score
82
Savings score
Higher than 59% of U.S. banks and credit unions
- $1,000 balance$1,0000.60%
- $10,000 balance$10,0000.70%
- $100,000 balance$100,0001.25%
- QualifiedQualified0.70%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
High Yield Savings Account
9.00%APY on $10,000
Membership eligibility required. Limit of one HYSA per primary member's Social Security Number. Blended-rate account where each portion of balance earns the APY applicable to its tier.
| Part of the balance | Rate on that part |
|---|---|
| Up to $25,000 | 3.93% |
| Up to $25,000 | 5.00% |
| $25,000 – $50,000 | 0.50% |
| $50,000 – $100,000 | 0.75% |
| $100,000 – $250,000 | 1.00% |
| Over $250,000 | 1.49% |
On $10,000 the tiers blend to about 9.00% APY, earning $900 a year.
Money Market Account
0.70%APY
Membership eligibility required; must maintain $5.00 par value share in a Primary Share account. Tiered-rate account where the applicable rate applies to the entire balance once the tier threshold is met. Business accounts are not eligible.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $10,000Tiered-rate account; rate applies to entire balance once threshold is met. Minimum daily balance to earn stated APY is $1,000.00. Dividends compounded monthly and credited monthly (calendar). Daily balance method. | 0.60% | — | Tiered-rate account; rate applies to entire balance once threshold is met. Minimum daily balance to earn stated APY is $1,000.00. Dividends compounded monthly and credited monthly (calendar). Daily balance method. |
| $10,000 – $25,000Tiered-rate account; rate applies to entire balance once threshold is met. Minimum daily balance to earn stated APY is $1,000.00. Dividends compounded monthly and credited monthly (calendar). Daily balance method. | 0.70% | $70 | Tiered-rate account; rate applies to entire balance once threshold is met. Minimum daily balance to earn stated APY is $1,000.00. Dividends compounded monthly and credited monthly (calendar). Daily balance method. |
| $25,000 – $50,000Tiered-rate account; rate applies to entire balance once threshold is met. Minimum daily balance to earn stated APY is $1,000.00. Dividends compounded monthly and credited monthly (calendar). Daily balance method. | 1.00% | — | Tiered-rate account; rate applies to entire balance once threshold is met. Minimum daily balance to earn stated APY is $1,000.00. Dividends compounded monthly and credited monthly (calendar). Daily balance method. |
| $50,000 – $100,000Tiered-rate account; rate applies to entire balance once threshold is met. Minimum daily balance to earn stated APY is $1,000.00. Dividends compounded monthly and credited monthly (calendar). Daily balance method. | 1.15% | — | Tiered-rate account; rate applies to entire balance once threshold is met. Minimum daily balance to earn stated APY is $1,000.00. Dividends compounded monthly and credited monthly (calendar). Daily balance method. |
| $100,000 and upTiered-rate account; rate applies to entire balance once threshold is met. Minimum daily balance to earn stated APY is $1,000.00. Dividends compounded monthly and credited monthly (calendar). Daily balance method. | 1.25% | — | Tiered-rate account; rate applies to entire balance once threshold is met. Minimum daily balance to earn stated APY is $1,000.00. Dividends compounded monthly and credited monthly (calendar). Daily balance method. |
Sources (2)
All captured Sep 19, 2026
Prime Share
0.05%APY
Requires opening share purchase of $5.00 for membership. $100.00 minimum daily balance required to earn dividends/APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum daily balance of $100.00 required to earn stated APY. $5.00 par value share required for membership.$100 and up | 0.05% | $5 | Minimum daily balance of $100.00 required to earn stated APY. $5.00 par value share required for membership. |
Sources (3)
- ukcreditunion.org/save-spend/rates
- ukcreditunion.org/save-spend/savings
- ukcreditunion.org/truth-saving…cking-savings-disclosure
All captured Oct 22, 2026
Simple Savings
0.05%APY
$100.00 minimum balance required to earn the stated APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$100.00 minimum balance to earn the stated APY.$100 and up | 0.05% | $5 | $100.00 minimum balance to earn the stated APY. |
Sources (1)
- ukcreditunion.org/truth-saving…cking-savings-disclosure · captured Oct 22, 2026
Special-purpose accounts
Christmas Club Savings
0.10%APY
Entire balance will be transferred to another account on or after October 1st and the account will remain open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAccount transfer limitations apply: entire balance transferred on or after October 1st.Any balance | 0.10% | $10 | Account transfer limitations apply: entire balance transferred on or after October 1st. |
Sources (1)
- ukcreditunion.org/truth-saving…cking-savings-disclosure · captured Oct 22, 2026
Club Savings
0.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Minimum balance to earn dividends is $0.01.Over $0 | 0.10% | $10 | Minimum balance to earn dividends is $0.01. |
Sources (2)
All captured Oct 22, 2026
IRA Savings
0.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Minimum balance to earn dividends is $0.01.Over $0 | 0.10% | $10 | Minimum balance to earn dividends is $0.01. |
Sources (2)
All captured Oct 22, 2026
Senior Share
0.10%APY
Available to members age 54+.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upAvailable to members age 54+. Minimum balance of $100.00 required to earn dividends.$100 and up | 0.10% | $10 | Available to members age 54+. Minimum balance of $100.00 required to earn dividends. |
Sources (3)
- ukcreditunion.org/save-spend/rates
- ukcreditunion.org/save-spend/savings
- ukcreditunion.org/truth-saving…cking-savings-disclosure
All captured Oct 22, 2026
Vacation Club Savings
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- ukcreditunion.org/truth-saving…cking-savings-disclosure · captured Oct 22, 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.