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Savings Accounts

Helping you prepare for the future, one deposit at a time. Your membership begins with a primary savings account that can be extended to include our other account options or money market accounts for higher yield savings.

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Share Savings

A Share Savings Account is established when you join the credit union. The account serves as your primary savings account and is great for emergency savings and to cover any accidental checking overdrafts. As a member you are required to maintain a minimum balance of $5. 

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Club Accounts

Members may establish Vacation, Christmas, or one or more other Club Accounts for any special-purpose savings and earn equal rates on each. We recommend convenient payroll deductions for automatic deposits with each direct deposit. Dividends are distributed monthly and funds are available for withdrawal at any time

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Stork Club

When a new baby arrives, the YEFCU Stork Club will waive the $1.00 membership fee and deposit the young one’s first $5.00 to his/her share account. All you need to do as a parent (or grandparent) is complete a membership card within 6 months of the baby’s birth (or adoption). A social security number will be required to open the account. The minimum balance of $5 remains the same for Stork Club Accounts.

Savings Account Rates

$5-%25000.05% 0.050%
$2500.01 and over 0.05%0.050%

*APY: Annual Percentage Yield

**Effective March 1, 2024

Minimum $500-$10,000 0.75%0.725%
$10,001-$50,000 1.00%1.005%
$50,001 and over 1.25% 1.257%

 *APY: Annual Percentage Yield

**Effective March 1, 2024

The minimum balance for a YEFCU Certificate of Deposit is $500.

12-months1.00% 1.01%
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

Single & Joint Owner Accounts

It’s always important to decide whether you want to be the only member named on your account, or if you want another member to have access as well. 

Overdraft Statement

Whenever you don’t have the available funds in your checking account for a purchase, our system automatically pulls from your savings to make sure all the charges are covered.

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