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Savings

Reach your financial goals - Save more and earn more at Greater Kentucky Credit Union

Whether you're just beginning to save for your future or you're seeking to increase your return, Greater Kentucky Credit Union can help you reach your savings goals. 

Please use the tabs below to learn more about each type of Savings Account we offer.

Regular Savings
Certificates of Accounts
Money Market Investment
Individual Retirement Account (IRA)
Club Accounts
  • A Regular Savings Account* is the basic account that all members open to establish membership with Greater Kentucky Credit Union. As a member you are also an owner, and this account represents your share in Greater Kentucky Credit Union and entitles you to take advantage of any of our accounts and services. Your account earns competitive quarterly dividends based on the credit union's performance, which are often higher than interest paid elsewhere. We encourage all members to save more which has proven to keep credit union expenses down, which in turn, provides a greater return to the members.

    $10.00 Minimum to open
    No Monthly Service Fees
    Earns Quarterly Dividends on balances greater than $50.00
    FREE CU 24/7 Online Access
    FREE Mobile Banking
    FREE CALL-24 Access
    FREE 24-hour ATM Access at thousands of Alliance One Networks
    MasterCard Debit Card available for a low fee
    Earn Rewards thru ShopAmerica 

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    Useful Links

    Savings Calculators
    Savings Rates
    Relationship Pricing

    Learn more about a Credit Union Membership 
    Direct Deposit Form
     Click Here For Terms and Conditions

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    Greater Kentucky Credit Union accounts are federally insured to at least $250,000 by the National Credit Union Administration, an agency of the United States Government.
    Learn more about NCUA insurance.
    Share Insurance Estimator
    Your Insured Funds Brochure

  • Certificate of Accounts (CD)

    Greater Kentucky Credit Union offers a 90-Day Super Saver Certificate with a minimum deposit of $500 and the ability to add money along the way, as well as 6-Month, 1-Year, 2-Year, 3-Year, and 5-Year Certificates with a minimum deposit of $1,000. Certificates of Accounts are the perfect way to achieve a high return while having the peace of mind that your investment is federally insured by the NCUA to at least $250,000 per account.

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    Useful Links 

    Savings Calculators
    Savings Rates
    Relationship Pricing

    Learn more about a Credit Union Membership 
    Direct Deposit Form
     Click Here For Terms and Conditions

    ncua blue 250k gif
    Greater Kentucky Credit Union accounts are federally insured to at least $250,000 by the National Credit Union Administration, an agency of the United States Government.

    Learn more about NCUA insurance.
    Share Insurance Estimator
    Your Insured Funds Brochure

  • Money Market Investment Account

    A Money Market Investment Account offers you a higher yield than your Regular Savings, yet still allows you to maintain a liquid investment that pays tiered dividends.  With the minimum deposit and balance to earn dividends being at $2,500, this is a great way to save money and earn higher dividends.

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    Useful Links

    Savings Calculators
    Savings Rates
    Relationship Pricing

    Learn more about a Credit Union Membership 
    Direct Deposit Form
     Click Here For Terms and Conditions

    ncua blue 250k gif
    Greater Kentucky Credit Union accounts are federally insured to at least $250,000 by the National Credit Union Administration, an agency of the United States Government.

    Learn more about NCUA insurance.
    Share Insurance Estimator
    Your Insured Funds Brochure

  • Traditional IRA

    A Traditional IRA is a type of retirement plan that has been in existence since 1975. Traditional IRAs offer tax-deferred earnings, and the possibility for tax-deductible contributions. These tax advantages make the traditional IRA a powerful tool in creating a balanced, long-term savings plan. Individual Retirement Accounts (IRAs) were originally designed to help you save for retirement, but with all the options available you can also save to buy your first home or for a child's college education. Greater Kentucky offers Traditional and Roth IRAs as well as Coverdell Education Savings Accounts with no set-up or annual fees.

    Earnings are not taxed until they are withdrawn.
    Contributions may be tax deductible (consult your tax advisor).
    Contributions can be made at any time before age 70 1/2, up to $5,000 annually per individual account (as long as there is earned income).
    An additional $1,000 "catch-up" contribution is allowed annually for those 50 and over.
    Penalty-free distributions can begin at age 59 1/2 and are mandatory after age 70 1/2.
    Please consult your tax advisor regarding the specific rules and regulations surrounding the Traditional IRA.

    Roth IRA

    The Roth IRA was created by the Taxpayer Relief Act of 1997. Named for former Senate Finance Committee Chairman William Roth, Jr., this IRA offers more incentives to boost your retirement savings, as well as more ways to use your nest egg. Unlike Traditional IRAs, your contributions to a Roth IRA are never tax-deductible. However, the money in your Roth IRA, including earnings, can be withdrawn tax-free. Of course, you must conform to the plan provisions to get this tax-free advantage.

    Contributions are not tax deductible.
    Contributions can be made at any time, up to $5,000 annually per individual account, as long as income is earned (no age limit).
    An additional $1,000 "catch-up" contribution is allowed annually for those 50 and over.
    Penalty-free, tax-free distributions of earnings can begin at age 59 1/2 if you have held the IRA for at least five years, but are not mandatory at any age.
    Penalty-free, tax-free distributions of earnings can also be taken for a qualified first-time home purchase up to $10,000, if the account has been held for five years.
    Penalty-free, tax-free withdrawal of your regular contributions can be made at any time; special rules apply to withdrawal of rollover contributions.
    Please consult your tax advisor regarding the specific rules and regulations surrounding the Roth IRA.

    Coverdell Education Savings Account

    The Taxpayer Relief Act of 1997 created the Education IRA, now known as the Coverdell ESA. Its sole purpose is to help you pay for your child's education expenses, such as tuition, fees, books, supplies, equipment, and, in some cases, room and board and computers. These options were improved by the Economic Growth and Tax Relief Reconciliation Act of 2001.

    Contributions are not tax deductible.
    Contributions up to $2,000 per year may be made annually for each child until the child's 18th birthday. Funds must be disbursed or rolled over by the child's 30th birthday. Distributions are penalty-free and tax-free if used to pay expenses related to the beneficiary's education.
    Please consult your tax advisor regarding the specific rules and regulations surrounding the Coverdell Education Savings Account.

    IRA Passbook 

    You know you need to start saving for retirement but aren't sure where to begin – with an IRA Passbook, you can start slow and increase your IRA as your budget permits. As long as you are receiving a paycheck, you are never too young to start saving for retirement. $25 minimum to open (no minimum with payroll deduction). Dividends compounded and paid quarterly. Payroll deduct as little as $5 per pay period. No set-up or annual fee.  

    90-Day Super Saver Certificate & IRA 

    With a 90-Day Super Saver Certificate or IRA, you can earn a higher dividend while maintaining the flexibility to move the funds after 90 days. $500 minimum to open. Renews every 90 days. Dividends compounded and paid quarterly. Payroll deduct as little as $5 per pay period. No set-up or annual fee. 

    2-Year Flex IRA Certificate 

    Flexible IRA Certificates will allow owners to increase the rate once a calendar year on the certificate if the rate on Two Year Certificates increase. $1,000 minimum to open. Can increase rate once a year from the purchase date of the CD if the certificate rate on 2-Year Certificates increase. Payroll deduct as little as $5 per pay period. Pays the same as any 2-Year Certificate. No set-up or annual fee. 

    6-Month, 1, 2, 3 and 5-Year IRA Certificates 

    At Greater Kentucky, the possibilities to grow your IRA are endless. 6-Month, 1, 2, 3 and 5-Year IRA Certificates require a minimum of $1,000 to open.

     
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    To open an IRA contact any IRA Specialist at 859-231-9300 or 800-432-7393.Greater Kentucky Credit Union accounts are federally insured to at least $250,000 by the National Credit Union Administration, an agency of the United States Government.
    Learn more about NCUA insurance.
    Share Insurance Estimator
    Your Insured Funds Brochure

  •        

    santachistmas8 150 Christmas Club

    If the holidays tend to find you unprepared financially, you can open a Christmas Club account with a $10 minimum deposit.  A Christmas Club account enables you to set aside money for the holidays and is especially easy when using Direct Deposit The best feature of our Christmas Club account is that you can open the account or make withdrawals at any time of the year!

    familybeachsummervacation4 Vacation Club

    With a $10 minimum deposit, a Vacation Club account enables you to set aside money each payday for that family vacation that is well overdue.  It is especially easy when using Direct Deposit The best feature of our Vacation Club account is that you can open the account or make withdrawals at any time of the year!

    Club Account Savings Rates

    Click Here For Terms and Conditions

     ncua blue 250k gif

    Greater Kentucky Credit Union accounts are federally insured to at least $250,000 by the National Credit Union Administration, an agency of the United States Government.
    Learn more about NCUA insurance.
    Share Insurance Estimator
    Your Insured Funds Brochure

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