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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?
Regular Savings from Yolo Federal
Getting a savings account with us secures your credit union membership, which comes with a host of great benefits. It also means you can open other specialty savings accounts, such as an Health Savings Account (HSA) or a Secondary Savings account. The dividend rates aren’t too shabby either.
Why Yolo Federal
Why open a Yolo Federal Savings Account?
- Secures your Yolo Federal membership
- Helps you save for emergencies and big plans
- World-class member service
- Achieve Learning: Savings
- Money Track
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. Click on the Consumer Fee Schedule at the bottom of the page under Resources.
FAQs
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How much do I need to deposit to open an account?
You need to deposit $1, which secures your credit union membership.
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Is there a minimum balance fee?
Yes, the required minimum balance is $100. If your balance stays below this, you will be assessed a $5 dollar fee each month. The fee may be waived if you are:
– Younger than 23 years old
– Receive a direct deposit each month
– Have a loan or deposit account with us that is greater than $5,000 -
Is there a required balance to start earning dividends?
No. You start earning dividends right away.