Certificate Rates
The minimum balance for a YEFCU Certificate of Deposit is $500. There is a penalty for early withdrawal from your Certificate: 90 days of dividends for 6 and 12 month Certificates, and 180 days of dividends for 18, 24, and 48 month Certificates.
| Term | Dividend | APY* |
|---|---|---|
| 6-months | 0.75% | 0.751% |
| 12-months | 1.00% | 1.01% |
| 18-months | 1.45% | 1.451% |
| 24-months | 2.00% | 2.02% |
| 48-months | 2.45% | 2.456% |
| Special CD Rate: 12-months | 4.00% | 4.070% |
*APY=Annual Percentage Yield. All Share Certificate dividends are compounded monthly.
**Effective November 6th, 2026
Looking for flexible access to your savings? Compare our money market account.
There is a substantial penalty for early withdrawal from your Certificate: 90 days of dividends for 6 and 12 month Certificates, and 180 days of dividends for 18, 24, and 48 month Certificates.
| Fee Type | Amount |
|---|---|
| Early Withdrawal for a maturity of 1 year or less | 90 Days of Interest |
| Early Withdrawal for a Maturity of Greater than 1 year | 180 Days of Interest |
**Effective January 1st, 2022