YEFCU Fees
| Balance | Dividend | APY* |
|---|---|---|
| $5-%2500 | 0.05% | 0.050% |
| $2500.01 and over | 0.05% | 0.050% |
*APY: Annual Percentage Yield
**Effective March 1, 2024
| Balance | Dividend | APY* |
|---|---|---|
| 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.
| 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% |
*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
Effective January 1, 2022
| Fee Type | Amount |
|---|---|
| Monthly Service Charge | None |
| Share Draft Check Order | Determined by Style |
| Copy of Draft | $3.00 |
| Stop Payment (Drafts or ACH Debits) | $30.00 |
| Overdraft Transfers (6 per month) | $30.00 |
| Non-Sufficient Funds (NSF) Returned Draft Fee | $30.00 |
| NSF Fee – Non-profit Business Account | $5.00 |
| Deposit Checks Returned Unpaid | $30.00 |
| Courtesy Pay (Per Item) | $30.00 |
| Reconciliation/Research | $25.00/Hour |
Effective January 1, 2022
| Fee Type | Amount |
|---|---|
| Fee to Non-Member | $3.00 |
ATM/Mastercard services, credit cards, gift cards, western union
Effective April 1, 2024
| Fee Type | Amount |
|---|---|
| ATM Usage Surcharge | None |
| Card Replacement Fee | $10.00 |
| Card Expedite Fee | $60.00 |
| Card PIN Expedite Fee | $60.00 |
| Loan Type | APR* |
|---|---|
| Purchases APR* | As Low as 7.99% |
| Balance Transfers APR* | As low as 7.99% |
| Cash Advances APR* | As low as 7.99% |
*APR=Annual Percentage Rate when you open your account, based on your creditworthiness. Rates available to qualified members only and based on certain credit standards. Contact our loan department for information about how your rate is determined. To learn more about factors to consider when applying for or using a credit card, visit the Consumer Financial Protection Bureau
**Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
*** Effective date January 11, 2023
Effective April 1, 2024
| Fee Type | Amount |
|---|---|
| Domestic – Up to $10,000 | 30.00 |
| International – Up to $500 | $35.00 |
| International – Over $500 | $25.00 plus 2% of amount |
IRA's, certificates, mortgages, home equities
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% |
| 2-months | 1.00% | 1.01% |
| 18-months | 1.45% | 1.451% |
| 24-months | 2.00% | 2.02% |
| 48-months | 2.45% | 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
The minimum balance for our Accumulation IRA’s are $10, while our 12-48 month certificates begin at $250.
| Type | Dividend | APY* |
|---|---|---|
| Accumulation IRA’s (variable rate) | 0.15% | 0.150% |
| 12-month certificate | 1.00% | 1.01% |
| 18-month certificate | 1.45% | 1.451% |
| 24-month certificate | 2.00% | 2.02% |
| 48-month certificate | 2.45% | 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
| Loan Type | Term | APR* |
|---|---|---|
| Home Equity Fixed Rate | 24 Months – Promotional Rate | 2.49% |
| Home Equity Fixed Rate | 60 Months | As low as 5.69% |
| Home Equity Fixed Rate | 120 Months | As low as 6.64% |
| Home Equity Fixed Rate | 180 Months | As low as 7.44% |
*APR=Annual Percentage Rate. Maximum home equity loan or home equity line of credit amount is 80% of home’s value minus any first mortgage balance. Maximum loan amount of $100,000. First advance is minimum of $5,000 with subsequent minimum advances of $500 on Home Equity Line of Credit. Rates available to qualified members only and based on certain credit standards. Contact our loan department for information about how your rate is determined
**Effective date October 17, 2023
| Loan Type | Term | APR* |
|---|---|---|
| Home Equity Line of Credit (Variable rate, adjusted quarterly) | 120 Months | As low as 5.04% |
*APR=Annual Percentage Rate. Maximum home equity loan or home equity line of credit amount is 80% of home’s value minus any first mortgage balance. Maximum loan amount of $100,000. First advance is minimum of $5,000 with subsequent minimum advances of $500 on Home Equity Line of Credit. Rates available to qualified members only and based on certain credit standards. Contact our loan department for information about how your rate is determined
** Effective date October 17, 2023
Lending Fees/Miscellaneous
Effective March 15, 2022
| Fee Type | Amount |
|---|---|
| Automatic Payment Late Fee | $30.00 |
| Educational Loan Check Copy (1st Copy) | None |
| Educational Loan Check Copy (Additional Copies) | $3.00 |
| Title Filling with DMV | $10.00 |
| PennDOT Fee to Record Title Lien | $86.00 |
| Processed Loan Cancellation Fee | $50.00 |
Effective April 1, 2024
| Fee Type | Amount |
|---|---|
| Wire Transfer Incoming | None |
| Wire Transfer Outgoing | $30.00 |
| International Wire Transfer | $35.00 |
| Cashiers/Certified Draft (first draft free) | $5.00/Check |
| Levy; Garnishment; Writ; Domestic Relations; or Escheat | $50.00 |
| Returned Mail Fee | $2.50 |
| Paper Statement Fee* (effective Nov. 1st, 2021) | $1.00/Month |