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Finance

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Business Savings

Save more. Grow bigger.

When you make Yolo Federal your financial partner, you can get access to great loans while saving for big plans or rainy days.


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What Is It?

Business Savings from Yolo Federal

You can’t have a business without a Savings Account. Liquid assets make it easy to purchase items quickly and cover any emergencies that come up. Yolo Federal can get you set up with one of these accounts right away, and offers plenty of free extras.

Why Yolo Federal

Every Yolo business account includes perks

  • Online business banking
  • Mobile app with mobile deposits
  • Online bill payer
  • eStatements with online check images
  • 24-hour telephone access

Rates & Fees

Savings Accounts

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: December 1, 2024. Last Dividend Declaration Date: November 30, 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. Click on the Consumer Fee Schedule at the bottom of the page under Resources.

Business CD Savings

Minimum Deposit
Term in months 		$500
APY* 		$10,000
APY* 		$50,000
APY* 		$100,000
APY*
3-5 1.10% 1.10% 1.10% 1.10%
6-12 1.15% 1.15% 1.15% 1.15%
13-23 1.30% 1.30% 1.30% 1.30%
24-35 1.35% 1.35% 1.35% 1.35%
36-47† 1.80% 1.80% 1.80% 1.80%
48-59 2.30% 2.30% 2.30% 2.30%
60 2.80% 2.80% 2.80% 2.80%
Term in months APY**
7 months 4.65%

*APY= Annual Percentage Yield.

Effective Date: December 1, 2024. Last Dividend Declaration Date: November 30, 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. Dividends earned will be compounded only if they remain on deposit in the certificate. Penalty imposed for early withdrawal. Some restrictions may apply.

†Step-Up Certificate accounts will have a fixed rate for the term of the certificate. A one time option to have the rate increased to the rate then being offered may be exercised at any time during the term of the certificate. The new rate will be effective the next business day after a written request is received and will remain in effect until the certificates original maturity date. The rate increase must be in writing by an authorized signer on the certificate account. Notification can be made by fax or mail.

**Special Rate*APY=Annual Percentage Yield. Rate accurate and effective December 1, 2024. APY for 7 months is 4.65%. APY. Early withdrawal penalties may apply. $500 minimum deposit required for regular CD. Must be eligible for membership. Rates subject to change without notice. Fees may reduce account earnings. Subject to change at any time. Some restrictions may apply.

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To qualify for membership, you must live, work, worship, attend school in Yolo, Sacramento, Placer, or El Dorado counties.

To apply for a Home Loan, you must qualify for membership, and the property must be located in Yolo, Sacramento, Placer, or El Dorado counties or within 50 miles of our corporate office. 

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