Deposit Rates
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High Yield Checking ($0 - $15,000)1
Minimum Balance
$0
Dividend Calculated
Daily
Frequency of Compounding
Daily
Annual Dividend Rate
3.941%
Annual Percentage Yield (APY)
4.00%
Subject to Change
Monthly
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High Yield Checking ($15,000.01 +)1
Minimum Balance
$0
Dividend Calculated
Daily
Frequency of Compounding
Daily
Annual Dividend Rate
0.050%
Annual Percentage Yield (APY)
0.05%
Subject to Change
Monthly
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Everyday Checking
Minimum Balance
$0
Dividend Calculated
Daily
Frequency of Compounding
Daily
Annual Dividend Rate
0.050%
Annual Percentage Yield (APY)
0.05%*
Subject to Change
Monthly
APY is accurate as of 04/01/2024. Dividends calculated daily, compounded/posted monthly. Fees could reduce earnings.
View qualification requirements for High Yield Checking and Everyday Checking.
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Primary Share
Minimum Balance
$1.00
Dividend Calculation
Daily
Frequency of Compounding
Quarterly
Annual Dividend Rate
0.050%
Annual Percentage Yield (APY)
0.05%
Subject to Change
Quarterly
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Christmas Club
Minimum Balance
$0.00
Dividend Calculation
Daily
Frequency of Compounding
Quarterly
Annual Dividend Rate
0.050%
Annual Percentage Yield (APY)
0.05%
Subject to Change
Quarterly
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Health Savings Club
Minimum Balance
$0.00
Dividend Calculation
Daily
Frequency of Compounding
Quarterly
Annual Dividend Rate
0.100%
Annual Percentage Yield (APY)
0.10%
Subject to Change
Quarterly
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Jump Start Savings $0 - $5,000*
Minimum Balance
$0.00
Dividend Calculation
Daily
Frequency of Compounding
Quarterly
Annual Dividend Rate
2.000%
Annual Percentage Yield (APY)
2.00%
Subject to Change
Quarterly
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Vacation Club
Minimum Balance
$0.00
Dividend Calculation
Daily
Frequency of Compounding
Quarterly
Annual Dividend Rate
0.050%
Annual Percentage Yield (APY)
0.05%
Subject to Change
Quarterly
APY is accurate as of 04/01/2024. Dividends calculated daily, compounded/posted quarterly. Funds must remain on deposit until club disbursement in order for funds to earn dividends. Fees could reduce earnings.
*A Jump Start Saving Account is for ages 0 to 23 only. If under 18, the child must be accompanied by a parent or legal guardian to open an account who will sign as a joint-account owner. The account balance will be automatically transferred to a primary share savings account when the member reaches age 24. Balance over $5,000 continues to earn the regular share savings rates.
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Limited Time Offers
6 Months (ADR/APY)
4.410/4.50%3
9 Months (ADR/APY)
4.169/4.25%4
12 Months (ADR/APY)
4.169/4.25%5
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Jumbo Certificate $100,000+
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months1 (ADR/APY)
0.250/0.25%
18 Months (ADR/APY)
3.203/3.25%
19 Months2 (ADR/APY)
0.399/0.40%
24 Months (ADR/APY)
2.716/2.75%
-
$50,000-99,999
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months1 (ADR/APY)
0.200/0.20%
18 Months (ADR/APY)
3.203/3.25%
19 Months2 (ADR/APY)
0.349/0.35%
24 Months (ADR/APY)
2.716/2.75%
-
$10,000-49,999
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months1 (ADR/APY)
0.150/0.15%
18 Months (ADR/APY)
3.203/3.25%
19 Months2 (ADR/APY)
0.300/0.30%
24 Months (ADR/APY)
2.716/2.75%
-
$500-9,999
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months1 (ADR/APY)
0.100/0.10%
18 Months (ADR/APY)
3.203/3.25%
19 Months2 (ADR/APY)
0.250/0.25%
24 Months (ADR/APY)
2.716/2.75%
APY is accurate as of 11/13/2024. APY is Annual Percentage Yield. ADR is Annual Dividend Rate. Rates subject to change without notice. Dividends calculated daily, compounded/posted monthly. Other rates and terms are available. There is a penalty for early withdrawal.
1. 13 Month Select Rate Share Certificate rate may change once after 6 months at member's request.
2. 19 Month Select Rate Share Certificate rate may change once after 9 months at member's request.
3. Minimum balance to receive advertised rate is $500. Rates accurate as of 11/13/2024. APY is Annual Percentage Yield. At maturity, accounts automatically renew at current rate unless changes are made during 7-day grace period. Penalties apply for early withdrawal. This offer is for a limited time only and can be withdrawn at any time. Federally insured by NCUA.
4. Minimum balance to receive advertised rate is $500. Rates accurate as of 11/13/2024 and require $10,000 in new money not transferred from an existing Y-12 FCU account. APY is Annual Percentage Yield. Rates subject to change without notice. Penalties apply for early withdrawal. At maturity, accounts automatically renew at current rate unless changes are made during 7-day grace period. Federally insured by NCUA.
5. Minimum balance to receive advertised rate is $500. Rates accurate as of 11/13/2024. APY is Annual Percentage Yield. At maturity, accounts automatically renew at current rate unless changes are made during 7-day grace period. Penalties apply for early withdrawal. This offer is for a limited time only and can be withdrawn at any time. Federally insured by NCUA.
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High Yield Money Market1
Minimum Balance
$25,000
Dividend Calculated
Daily
Frequency of Compounding
Quarterly
Annual Dividend Rate
4.410%
Annual Percentage Yield (APY)
4.50%
Subject to Change
Daily
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Money Market Plus $50,000-249,999
Minimum Balance
$50,000
Dividend Calculated
Daily
Frequency of Compounding
Quarterly
Annual Dividend Rate
0.748%
Annual Percentage Yield (APY)
0.75%
Subject to Change
Daily
-
Money Market Plus $250,000+
Minimum Balance
$250,000
Dividend Calculated
Daily
Frequency of Compounding
Quarterly
Annual Dividend Rate
0.996%
Annual Percentage Yield (APY)
1.00%
Subject to Change
Daily
-
Money Market $100,000+
Minimum Balance
$100,000
Dividend Calculated
Daily
Frequency of Compounding
Monthly
Annual Dividend Rate
0.300%
Annual Percentage Yield (APY)
0.30%
Subject to Change
Daily
-
Money Market $75,000-99,999
Minimum Balance
$75,000
Dividend Calculated
Daily
Frequency of Compounding
Monthly
Annual Dividend Rate
0.250%
Annual Percentage Yield (APY)
0.25%
Subject to Change
Daily
-
Money Market $25,000-74,999
Minimum Balance
$25,000
Dividend Calculated
Daily
Frequency of Compounding
Monthly
Annual Dividend Rate
0.200%
Annual Percentage Yield (APY)
0.20%
Subject to Change
Daily
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Money Market $2,500-24,999
Minimum Balance
$2,500
Dividend Calculated
Daily
Frequency of Compounding
Monthly
Annual Dividend Rate
0.150%
Annual Percentage Yield (APY)
0.15%
Subject to Change
Daily
APY is Annual Percentage Yield. Rates accurate as of 04/01/2024. Dividends calculated daily, compounded/posted monthly. Fees may reduce earnings. Federally insured by NCUA.
1The Annual Percentage Yields (APYs) for High Yield Checking, effective 04/01/2024, are: 4.00% APY for balances of $0 to $15,000.00; 0.05% APY for balances of $15,000.01 and over or if High Yield requirements are not met. Requirements to earn High Yield dividends: 15 debit and/or credit card monthly combined posted and cleared transactions; minimum $2,000 average daily balance or cumulative $1,000 monthly direct deposit. Direct Deposit consists of an electronic deposit of wages, pension and/or social security benefits. Transfers of funds, mobile deposits, and deposits from payment vendors (PayPal, Venmo) do not qualify. High Yield Checking required for High Yield Money Market. Minimum average daily balance of $25,000 required to earn dividends for High Yield Money Market. The Annual Percentage Yield (APY) for High Yield Money Market is 4.50% if High Yield Checking and minimum balance requirements are met. 1.00% APY for average daily balances $25,000 and over if requirements are not met for High Yield Checking. If High Yield Checking is closed, High Yield Money Market must be closed. Rates subject to change without notice after account opening. Fees may reduce earnings on account. Federally insured by NCUA.
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Traditional
Minimum Balance
$0.00
Annual Dividend Rate
0.100%
Annual Percentage Yield (APY)
0.10%
Subject to Change
Quarterly
-
Roth Club
Minimum Balance
$0.00
Annual Dividend Rate
0.100%
Annual Percentage Yield (APY)
0.10%
Subject to Change
Quarterly
-
Education Club
Minimum Balance
$0.00
Annual Dividend Rate
0.100%
Annual Percentage Yield (APY)
0.10%
Subject to Change
Quarterly
APY is accurate as of 04/01/2024. Dividends calculated daily, compounded/posted quarterly. There is a penalty for early withdrawal.
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Jumbo Certificate $100,000+
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months (ADR/APY)
0.250/0.25%
18 Months (ADR/APY)
3.203/3.25%
19 Months (ADR/APY)
0.399/0.40%
24 Months (ADR/APY)
2.716/2.75%
-
$50,000-99,999
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months (ADR/APY)
0.200/0.20%
18 Months (ADR/APY)
3.203/3.25%
19 Months (ADR/APY)
0.349/0.35%
24 Months (ADR/APY)
2.716/2.75%
-
$10,000-49,999
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months (ADR/APY)
0.150/0.15%
18 Months (ADR/APY)
3.203/3.25%
19 Months (ADR/APY)
0.300/0.30%
24 Months (ADR/APY)
2.716/2.75%
-
$500-9,999
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months (ADR/APY)
0.100/0.10%
18 Months (ADR/APY)
3.203/3.25%
19 Months (ADR/APY)
0.250/0.25%
24 Months (ADR/APY)
2.716/2.75%
APY is accurate as of 04/01/2024. APY is Annual Percentage Yield. ADR is Annual Dividend Rate. Rates subject to change without notice. Dividends calculated daily, compounded/posted monthly. Other rates and terms are available. There is a penalty for early withdrawal.
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Jumbo Certificate $100,000+
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months1 (ADR/APY)
0.250/0.25%
18 Months (ADR/APY)
3.203/3.25%
19 Months2 (ADR/APY)
0.399/0.40%
24 Months (ADR/APY)
2.716/2.75%
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$50,000-99,999
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months1 (ADR/APY)
0.200/0.20%
18 Months (ADR/APY)
3.203/3.25%
19 Months2 (ADR/APY)
0.349/0.35%
24 Months (ADR/APY)
2.716/2.75%
-
$10,000-49,999
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months1 (ADR/APY)
0.150/0.15%
18 Months (ADR/APY)
3.203/3.25%
19 Months2 (ADR/APY)
0.300/0.30%
24 Months (ADR/APY)
2.716/2.75%
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$500-9,999
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months1 (ADR/APY)
0.100/0.10%
18 Months (ADR/APY)
3.203/3.25%
19 Months2 (ADR/APY)
0.250/0.25%
24 Months (ADR/APY)
2.716/2.75%
APY is accurate as of 04/01/2024. Dividends calculated daily, compounded/posted monthly. ADR is Annual Dividend Rate. APY is Annual Percentage Yield. Rates subject to change without notice. Other rates and terms are available. There is a penalty for early withdrawal.
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Jumbo Certificate $100,000+
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months1 (ADR/APY)
0.250/0.25%
24 Months (ADR/APY)
2.716/2.75%
-
$50,000-99,999
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months1 (ADR/APY)
0.200/0.20%
24 Months (ADR/APY)
2.716/2.75%
-
$10,000-49,999
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months1 (ADR/APY)
0.150/0.15%
24 Months (ADR/APY)
2.716/2.75%
-
$500-9,999
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months1 (ADR/APY)
0.100/0.10%
24 Months (ADR/APY)
2.716/2.75%
APY is accurate as of 04/01/2024. APY is Annual Percentage Yield. ADR is Annual Dividend Rate. Rates subject to change without notice. Dividends calculated daily, compounded/posted monthly. Other rates and terms are available. There is a penalty for early withdrawal.
- 13 Month Select Rate Certificate rate may be changed once after 6 months at member's request.
