Current Promotions

1. Terms and conditions apply. See y12fcu.org/rules for official rules.

2. High Yield Checking account required for High Yield Money Market. Must maintain a minimum average daily balance of $25,000 and meet High Yield Checking account qualifiers to earn dividends for High Yield Money Market. No dividends are paid for the dividend period if qualifiers are not met. High Yield Checking qualifiers to earn High Yield dividends: 15 debit and/or credit card monthly combined 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. The Annual Percentage Yield (APY), effective 01/17/2025, for High Yield Money Market is 4.00% 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.

3. New cardholders only. Maximum one cash bonus and introductory rate offer per member. Subject to credit approval. APR is Annual Percentage Rate. Introductory rate of 0% Annual Percentage Rate (APR) applies on purchases for 12 months from date of account opening. After that, the standard variable APR for purchases will be applied. As of January 15, 2025, the standard variable APR is 15.74% to 18.00%, based on your creditworthiness. Cardholders qualify for 20,000 Visa Signature Rewards card bonus points if they make at least $1,000 in purchases in the first 90 days. 3% cash back requires Relationship Rewards membership and redemption for a new Credit Union loan product.