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Retire with confidence at YEFCU

The future can be unpredictable, but don’t worry. Our staff will provide you with access to the MEMBERS Financial Services Program Representative that serves our Credit Union. With their help, we can advise you on how to control your risks, find the best options for investing, and find the best way to roll over your 401(k).

Schedule an Appointment
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YEFCU offers both Accumulation Savings IRAs and Share Certificate IRAs

Accumulation Savings IRA

An Accumulation Savings IRA is a variable rate account that allows for frequent, regular deposits. It is excellent for payroll deductions. Rates can fluctuate on a monthly basis and the minimum deposit is $10.00.

IRA Share Certificate 

An IRA Share Certificate is a fixed rate account that is designed for a one-time deposit. The minimum deposit for an IRA Share Certificate is $250. Rates for this account are “locked in” for the length of the maturity period and the dividends are compounded on a quarterly basis.

IRA Rates at YEFCU

The minimum balance for our Accumulation IRA’s are $10, while our 12-48 month certificates begin at $250.

Accumulation IRA’s (variable rate) 0.15%0.150%
12-month certificate1.00%1.01%
18-month certificate 1.45%1.451%
24-month certificate2.00%2.02%
48-month certificate2.45%2.456%

 *APY=Annual Percentage Yield.

A penalty of 180 days dividend is imposed for early withdrawal for all IRA Share Certificate terms except for 12 month certificates, which have a 90 day dividend penalty.

A $10.00 penalty is imposed on all IRA accounts withdrawn for transfer to another financial institution.

**Effective January 11th, 2023

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Open an IRA Account

Don’t be blindsided by the unexpected. Begin saving for your retirement with the security our credit union can provide. 

Already have an IRA?

You can rollover or transfer an existing IRA or lump sum to a new IRA at your credit union without withdrawing funds from the IRA.

The first step of your financial journey is just a click away.

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