# University of Kentucky Federal Credit Union CD and share certificate rates

As of October 23, 2026, University of Kentucky Federal Credit Union's highest tracked CD (share certificate) rate is 4.25% APY on a 5-month promotional CD ($1,000 minimum). That is 3.1 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 0.25% to 2.60% APY.

Canonical page: https://apyledger.com/cd-rates/university-of-kentucky-federal-credit-union
Institution: University Of Kentucky Federal Credit Union (NCUA 24165)
Aliases: 
Status: live
Last verified: 2026-10-23T11:35:48.000Z (October 23, 2026)
Official source: https://www.ukcreditunion.org/save-spend/rates
Coverage: Membership required. General personal certificates require $1,000; TruBlue APYs require qualifying membership. ZIP-restricted Northern Kentucky Specials and IRA-only products are excluded. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-22. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate Account | standard | 3 months | $1,000 | 0.25% | Not ZIP-priced | −4.01% | 2026-10-23T11:35:48.000Z | [Snapshot 1026](https://apyledger.com/snapshots/1026) |
| TruBlue Certificate Account | relationship | 3 months | $1,000 | 0.25% | Not ZIP-priced | −4.01% | 2026-10-23T11:35:48.000Z | [Snapshot 1026](https://apyledger.com/snapshots/1026) |
| Certificate Account | promotional | 5 months | $1,000 | 4.25% | Not ZIP-priced | −0.09% | 2026-10-23T11:35:48.000Z | [Snapshot 1026](https://apyledger.com/snapshots/1026) |
| TruBlue Certificate Account | relationship | 5 months | $1,000 | 4.25% | Not ZIP-priced | −0.09% | 2026-10-23T11:35:48.000Z | [Snapshot 1026](https://apyledger.com/snapshots/1026) |
| TruBlue Certificate Account | relationship | 6 months | $1,000 | 1.75% | Not ZIP-priced | −2.59% | 2026-10-23T11:35:48.000Z | [Snapshot 1026](https://apyledger.com/snapshots/1026) |
| Certificate Account | standard | 6 months | $1,000 | 1.50% | Not ZIP-priced | −2.84% | 2026-10-23T11:35:48.000Z | [Snapshot 1026](https://apyledger.com/snapshots/1026) |
| TruBlue Certificate Account | relationship | 12 months | $1,000 | 2.25% | Not ZIP-priced | −2.21% | 2026-10-23T11:35:48.000Z | [Snapshot 1026](https://apyledger.com/snapshots/1026) |
| Certificate Account | standard | 12 months | $1,000 | 2.00% | Not ZIP-priced | −2.46% | 2026-10-23T11:35:48.000Z | [Snapshot 1026](https://apyledger.com/snapshots/1026) |
| TruBlue Certificate Account | relationship | 18 months | $1,000 | 2.25% | Not ZIP-priced | −2.33% | 2026-10-23T11:35:48.000Z | [Snapshot 1026](https://apyledger.com/snapshots/1026) |
| Certificate Account | standard | 18 months | $1,000 | 2.00% | Not ZIP-priced | −2.58% | 2026-10-23T11:35:48.000Z | [Snapshot 1026](https://apyledger.com/snapshots/1026) |
| TruBlue Certificate Account | relationship | 24 months | $1,000 | 2.25% | Not ZIP-priced | −2.45% | 2026-10-23T11:35:48.000Z | [Snapshot 1026](https://apyledger.com/snapshots/1026) |
| Certificate Account | standard | 24 months | $1,000 | 2.00% | Not ZIP-priced | −2.70% | 2026-10-23T11:35:48.000Z | [Snapshot 1026](https://apyledger.com/snapshots/1026) |
| TruBlue Certificate Account | relationship | 36 months | $1,000 | 2.50% | Not ZIP-priced | −2.28% | 2026-10-23T11:35:48.000Z | [Snapshot 1026](https://apyledger.com/snapshots/1026) |
| Certificate Account | standard | 36 months | $1,000 | 2.25% | Not ZIP-priced | −2.53% | 2026-10-23T11:35:48.000Z | [Snapshot 1026](https://apyledger.com/snapshots/1026) |
| TruBlue Certificate Account | relationship | 48 months | $1,000 | 2.75% | Not ZIP-priced | −2.06% | 2026-10-23T11:35:48.000Z | [Snapshot 1026](https://apyledger.com/snapshots/1026) |
| Certificate Account | standard | 48 months | $1,000 | 2.50% | Not ZIP-priced | −2.31% | 2026-10-23T11:35:48.000Z | [Snapshot 1026](https://apyledger.com/snapshots/1026) |
| TruBlue Certificate Account | relationship | 60 months | $1,000 | 2.85% | Not ZIP-priced | −1.99% | 2026-10-23T11:35:48.000Z | [Snapshot 1026](https://apyledger.com/snapshots/1026) |
| Certificate Account | standard | 60 months | $1,000 | 2.60% | Not ZIP-priced | −2.24% | 2026-10-23T11:35:48.000Z | [Snapshot 1026](https://apyledger.com/snapshots/1026) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.