Search
Login
Now Hiring!
The following navigation utilizes arrow, enter, escape, and space bar key commands. Left and right arrows move across top level links and expand / close menus in sub levels. Up and Down arrows will open main level menus and toggle through sub tier links. Enter and space open menus and escape closes them as well. Tab will move on to the next part of the site rather than go through menu items.
Routing Number: 264281432
The site navigation utilizes arrow, enter, escape, and space bar key commands. Left and right arrows move across top level links and expand / close menus in sub levels. Up and Down arrows will open main level menus and toggle through sub tier links. Enter and space open menus and escape closes them as well. Tab will move on to the next part of the site rather than go through menu items.
Routing Number: 264281432
Deposit Rates
-
High Yield Checking ($0 - $15,000)
Minimum Balance
$0
Dividend Calculated
Daily
Frequency of Compounding
Daily
Annual Dividend Rate
2.477%
Annual Percentage Yield (APY)
2.50%
Subject to Change
Monthly
-
High Yield Checking ($15,000.01 +)
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
-
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 6/1/2022. Dividends calculated daily, compounded/posted monthly. Fees could reduce earnings.
View qualification requirements for High Yield Checking and Everyday Checking.
-
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
-
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
-
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
-
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
-
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 6/1/2022. 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.
-
Limited Time Offers
6 Months (ADR/APY)
3.00/3.00%5
50% New Money12 Months (ADR/APY)
4.00/4.00% 6
50% New Money12 Months (ADR/APY)
4.50/4.50%7
100% New Money -
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)
1.193/1.20%
19 Months2 (ADR/APY)
0.399/0.40%
24 Months (ADR/APY)
0.747/0.75%
25 Months3 (ADR/APY)
0.399/0.40%
36 Months (ADR/APY)
0.549/0.55%
60 Months4 (ADR/APY)
1.094/1.10%
-
$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)
1.193/1.20%
19 Months2 (ADR/APY)
0.349/0.35%
24 Months (ADR/APY)
0.747/0.75%
25 Months3 (ADR/APY)
0.349/0.35%
36 Months (ADR/APY)
0.549/0.55%
60 Months4 (ADR/APY)
1.094/1.10%
-
$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)
1.193/1.20%
19 Months2 (ADR/APY)
0.300/0.30%
24 Months (ADR/APY)
0.747/0.75%
25 Months3 (ADR/APY)
0.300/0.30%
36 Months (ADR/APY)
0.549/0.55%
60 Months4 (ADR/APY)
1.094/1.10%
-
$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)
1.193/1.20%
19 Months2 (ADR/APY)
0.250/0.25%
24 Months (ADR/APY)
0.747/0.75%
36 Months (ADR/APY)
0.549/0.55%
60 Months4 (ADR/APY)
1.094/1.10%
APY is accurate as of 12/29/2022. 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. 25 Month Select Rate Share Certificate rate may change once after 12 months at member's request.
4. 60 Month Share Certificate rate is a fixed rate.
5. Minimum balance to receive advertised rate is $500. Requires 50% of opening deposit to be new money, not transferred from an existing Y-12 FCU account. Rates accurate as of 11/17/2022. Penalties may apply for early withdrawal. At maturity, accounts automatically renew at current rate unless changes are made during 7-day grace period. This offer is for a limited time only and can be withdrawn at any time.
6. Minimum balance to receive advertised rate is $500. Requires 50% of opening deposit to be new money, not transferred from an existing Y-12 FCU account. Rates accurate as of 11/17/2022. APY is Annual Percentage Yield. Qualifying share certificate for Loyalty Rewards redemption: Requires a $5,000 minimum opening balance and a minimum one-year term. 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.
7. Minimum balance to receive advertised rate is $500. Rates accurate as of 11/17/2022. 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.
-
High Yield Money Market $50,000-249,999
Minimum Balance
$50,000
Dividend Calculated
Daily
Frequency of Compounding
Monthly
Annual Dividend Rate
0.748%
Annual Percentage Yield (APY)
0.75%
Subject to Change
Daily
-
High Yield Money Market $250,000+
Minimum Balance
$250,000
Dividend Calculated
Daily
Frequency of Compounding
Monthly
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
-
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 accurate as of 11/1/2022. Dividends calculated daily, compounded/posted monthly. Fees could reduce earnings.
-
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 12/29/2022. Dividends calculated daily, compounded/posted quarterly. There is a penalty for early withdrawal.
-
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)
1.193/1.20%
19 Months (ADR/APY)
0.399/0.40%
24 Months (ADR/APY)
0.747/0.75%
25 Months (ADR/APY)
0.399/0.40%
36 Months (ADR/APY)
0.549/0.55%
60 Months (ADR/APY)
1.094/1.10%
-
$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)
1.193/1.20%
19 Months (ADR/APY)
0.349/0.35%
24 Months (ADR/APY)
0.747/0.75%
25 Months (ADR/APY)
0.349/0.35%
36 Months (ADR/APY)
0.549/0.55%
60 Months (ADR/APY)
1.094/1.10%
-
$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)
1.193/1.20%
19 Months (ADR/APY)
0.300/0.30%
24 Months (ADR/APY)
0.747/0.75%
25 Months (ADR/APY)
0.300/0.30%
36 Months (ADR/APY)
0.549/0.55%
60 Months (ADR/APY)
1.094/1.10%
-
$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)
1.193/1.20%
19 Months (ADR/APY)
0.250/0.25%
24 Months (ADR/APY)
0.747/0.75%
36 Months (ADR/APY)
0.549/0.55%
60 Months (ADR/APY)
1.094/1.10%
APY is accurate as of 12/29/2022. 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.
-
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)
1.193/1.20%
19 Months2 (ADR/APY)
0.399/0.40%
24 Months (ADR/APY)
0.747/0.75%
25 Months3 (ADR/APY)
0.399/0.40%
60 Months (ADR/APY)
1.094/1.10%
-
$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)
1.193/1.20%
19 Months2 (ADR/APY)
0.349/0.35%
24 Months (ADR/APY)
0.747/0.75%
25 Months3 (ADR/APY)
0.349/0.35%
60 Months (ADR/APY)
1.094/1.10%
-
$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)
1.193/1.20%
19 Months2 (ADR/APY)
0.300/0.30%
24 Months (ADR/APY)
0.747/0.75%
25 Months3 (ADR/APY)
0.300/0.30%
60 Months (ADR/APY)
1.094/1.10%
-
$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)
1.193/1.20%
19 Months2 (ADR/APY)
0.250/0.25%
24 Months (ADR/APY)
0.747/0.75%
60 Months (ADR/APY)
1.094/1.10%
APY is accurate as of 12/29/2022. 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.
-
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)
0.747/0.75%
25 Months3 (ADR/APY)
0.399/0.40%
-
$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)
0.747/0.75%
25 Months3 (ADR/APY)
0.349/0.35%
-
$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)
0.747/0.75%
25 Months3 (ADR/APY)
0.300/0.30%
-
$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)
0.747/0.75%
APY is accurate as of 12/29/2022. 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.
- 19 Month Select Rate Certificate rate may change once after 9 months at members request.
- 25 Month Select Rate Certificate rate may be changed once after 12 months at member's request.
