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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?
Share Certificate (CD) from Yolo Federal
Share Certificates (a.k.a Certificates of Deposit) let you earn a higher interest rate if you agree not to touch your money for a specific amount of time. You choose the amount you deposit and the time frame, and we give you the amazing rates.
We also offer Step-Up Certificates for a set period of 36 months. This special type of Share Certificate gives you a chance to increase your rate at one point during your term.
Why Yolo Federal
Options for days
- Flexible timing: terms range from 3 to 60 months
- Flexible deposit: choose any amount above $500
- A personal touch: we can also help advise you on investing
Rates & Fees
|
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.
|
Minimum Deposit Term in months |
$500 APY* |
$10,000 APY* |
$50,000 APY* |
$100,000 APY* |
|---|---|---|---|---|
| 36-47† | 1.35% | 1.35% | 1.35% | 1.35% |
*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.
FAQs
-
What is the minimum deposit to open a Share Certificate?
$500
-
Is there a difference between a Share Certificate and a Certificate of Deposit?
No, Share Certificate is simply the name used by credit unions. The two accounts work exactly the same way.