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Earn higher dividends with zero risk

Whether you’re saving for retirement, education expenses or a future purchase, a Share Certificate offers you higher dividends than a regular savings account, at a fixed rate for the term you select. Certificates are a guaranteed and insured investment alternative to higher risk investments in the stock market. Your funds are insured up to $250,000 through NCUA.

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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.

TermDividendAPY*
6-months0.75%0.751%
2-months1.00%1.01%
18-months1.45% 1.451%
24-months2.00%2.02%
48-months2.45%2.456%

 *APY=Annual Percentage Yield. Six-month Share Certificate dividends are compounded monthly; 12- to 48-month Share Certificates are compounded quarterly.

**Effective January 11th, 2023

Open a Certificate

 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 TypeAmount
Early Withdrawal for a maturity of 1 year or less90 Days of Interest
Early Withdrawal for a Maturity of Greater than 1 year 180 Days of Interest

 **Effective January 1st, 2022

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