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Quiz
Which savings account is right for you?
- What would you like to save up for?
- An upcoming event, like a vacation or holiday shopping.
- Cool! We think you’d love one of our Secondary Savings Accounts. They’re a great way to save for something specific and special.
- I’m most interested in growing my money while I save it.
- Do you need immediate access to your money, or are you willing to put it away for awhile?
- I’d prefer to have regular access.
- Ok! How much were you thinking of putting in an account?
- Quite a lot. Maybe over 150,000?
- Perfect. We might suggest our Premium Money Market account. You can still access your funds at any time. However, by putting a large sum into the account, you’ll still enjoy an excellent dividend rate.
- I want to put some money in an account, but not that much.
- Sounds good! We might suggest our Money Market account. This is different than a regular investment account, because you can access your funds at any time. As long as you can put at least 2,500 into an account, you’re eligible.
- Quite a lot. Maybe over 150,000?
- Ok! How much were you thinking of putting in an account?
- I’m comfortable putting it away for a while.
- Great! Do you want a fixed dividend rate, or would you prefer to change it at some point?
- Fixed sounds good to me.
- Sounds like you’d love one of our Share Certificate Accounts.
- I can change the rate? I’m interested in that.
- You may be interested in one of our Step-Up Certificate accounts. It’s similar to a Share Certificate, but you’ll have a one-time opportunity to change your rate.
- Fixed sounds good to me.
- Great! Do you want a fixed dividend rate, or would you prefer to change it at some point?
- I’d prefer to have regular access.
- Do you need immediate access to your money, or are you willing to put it away for awhile?
- I’m really just interested in a Yolo Federal membership.
- Sounds good. To become a member of Yolo Federal, you’ll just need to sign up for our Regular Savings Account.
- An upcoming event, like a vacation or holiday shopping.
What Is It?
Secondary Savings from Yolo Federal
Unlike our Regular Savings account, our Secondary Savings and Holiday Club accounts have no minimum balance requirements or associated fees. You can make as many as you like, so if you’re saving for something specific, it’s a great way to put money aside.
Why Yolo Federal
Plenty of freedom
- Money Track
- Create as many accounts as you need
- Great for holidays, emergencies, and more
- Save automatically by setting up direct deposit
- No fees or minimum deposit
Rates & Fees
| Minimum Daily Balance | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $0 | 0.03% | 0.03% |
| $100 | 0.03% | 0.03% |
| $10,000 | 0.03% | 0.03% |
| $50,000 | 0.03% | 0.03% |
| $100,000 | 0.03% | 0.03% |
Effective Date: November 1, 2024. Last Dividend Declaration Date: October 31, 2024. Rates subject to change at any time.
Dividends paid from current income and available earnings after required transfer to reserves at the end of the dividend period. Rates are subject to change without notice as determined by the Credit Union’s Board of Directors. Fees could reduce earnings on accounts. Some restrictions may apply.
Some fees may apply and see additional disclosures. https://www.yolofcu.org/disclosures/