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  Business Rates
Business Shares
Share TypeMinimum
Balance
Annual
Div
Rate1
APY1Subject
to
Change
Primary Business Share$50.05%0.05%Quarterly
Secondary Business Share$00.05%0.05%Quarterly


Business Share Drafts
TypeMin BalAnnual
Div
Rate2
APY2Subject
to
Change
Basic Business Checking$5 N/AN/AN/A
Advantage Business Checking ($1,500-$4,999)$1,5000.03%N/AN/A
Advantage Business Checking($5,000 and up)$5,000 0.10%N/AN/A
Premier Business Checking($0-$4,999)$0-49990.05%N/AN/A
Premier Business Checking($5,000 and up)$5,0000.10%N/AN/A
Business Money Market ($2,500-$24,999)$2,5000.20%0.20%Daily
Business Money Market ($25,000-$74,999)$25,0000.25%0.25%Daily
Business Money Market ($75,000-$99,999)$75,0000.30%0.30%Daily
Business Money Market ($100,000 and up)$100,0000.35%0.35%Daily


Business Certificates
Minimum
to Open
3
Months

(ADR/
APY)
6
Months

(ADR/
APY)
12
Months

(ADR/
APY)
13
Months**

(ADR/
APY)
24
Months

(ADR/
APY)
25
Months***

(ADR/
APY)
36
Months

(ADR/
APY)
$100,000+0.15/
0.15
0.20/
0.20
0.35/
0.35
0.40/
0.40
0.55/
0.55
0.70/
0.70
0.75/
0.75
$50,000-99,9990.10/
0.10
0.15/
0.15
0.30/
0.30
0.35/
0.35
0.50/
0.50
0.65/
0.65
0.70/
0.70
$10,000-49,9990.10/
0.10
0.15/
0.15
0.30/
0.30
0.35/
0.35
0.50/
0.50
0.65/
0.65
0.70/
0.70
$500-9,9990.10/
0.10
0.15/
0.15
0.30/
0.30
0.35/
0.35
0.50/
0.50
N/A/
N/A
0.70/
0.70

For All Certificates: Dividends calculated daily, compounded/posted monthly.

MEMBER ACCOUNTS INSURED TO $250,000 PER ACCOUNT BY NATIONAL CREDIT UNION ADMINISTRATION, A U.S. GOVERNMENT AGENCY.

1 - Dividends calculated daily, compounded/posted quarterly. Funds must remain on deposit until club disbursement in order for funds to earn dividends.
2 - Dividends calculated daily, compounded/posted monthly.
** - 13 Month Select Rate Certificate rate may change once after 6 months at members request.
*** - 25 Month Select Rate Certificate rate may change once after 12 months at members request.
Your savings federally insured to at least $250,000
and backed by the full faith and credit of the United States Government National Credit Union Administration, a U.S. Government Agency
Member Cellular Discounts with Sprint

NMLS #441816
Equal Housing Lender
© 2014Y-12 Federal Credit Union, serving Oak Ridge, Knoxville, and surrounding East TN Counties. All Rights Reserved.