Prime Share

To start your credit union membership you will need a savings account. A deposit of $25 secures your membership with UKFCU and may qualify you for other services.

Prime Share Account:

• No monthly surcharge
• Minimum balance of $25
• Interest paid monthly on accounts carrying a balance of at least $100
• Can be used as Checking overdraft protection
• Direct deposit

Club Accounts

Saving for the holidays and vacations can be difficult. Our Club accounts offer an easy way to keep this money separate.

Club Account:

• No minimum balance
• Interest paid monthly on accounts carrying a balance of at least $.01
• No restrictions on withdrawals or deposits
• Balances transfer to your Prime Share or Checking on October 1 (Christmas Club only)

Senior Share

Members age 54 and up can take advantage of our Senior Share Account. This account offers an dividend rates that is 0.25% higher than the Prime Share Account.

Senior Account:

• No minimum balance
• Interest paid monthly on accounts carrying a balance of at least $100
• Dividend rates are 0.25% higher than the Prime Share Account
• No restrictions on withdraws or deposits

Once you have opened your savings you may to build onto your membership by adding a checking account, loans, Share Certificates, or IRAs.


In addition to our standard accounts, UKFCU also offers: 

• KYUTMA (Kentucky Uniform Trust to Minor Act) Account:

Want to open a youth savings account? Under the Uniform Transfer to Minors Act (UTMA), you may set money aside for your minor child as an irrevocable gift.

• Association/Organization Account:

Open an account for your charitable association, nonprofit group, school club or other unincorporated organization. To qualify for membership, all members of your organization must be eligible for UKFCU membership.

• DBA Account:

As long as your business is owned solely by you and is unincorporated, you can open a “Doing Business As” account here at UKFCU.

NCUA, the National Credit Union Administration, a US government agency, insures your funds up to $100,000.00. ESI, Excess Share Insurance Corporation, a prvate corporation, additionally insures your funds up to $250,000.