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  Certificate Rates
Share Certificate
Minimum
to Open
3
Months

(ADR/
APY)
6
Months

(ADR/
APY)
12
Months

(ADR/
APY)
13
Months1

(ADR/
APY)
24
Months

(ADR/
APY)
25
Months2

(ADR/
APY)
36
Months

(ADR/
APY)
60
Months3

(ADR/
APY)
Jumbo Certificate
$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
1.14/
1.15
$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
1.09/
1.10
$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
1.09/
1.10
$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
1.09/
1.10


>> Earn additional discounts with Relationship Rewards

Traditional IRA Certificates
Minimum
to Open
6
Months

(ADR/
APY)
12
Months

(ADR/
APY)
13
Months1

(ADR/
APY)
24
Months

(ADR/
APY)
25
Months2

(ADR/
APY)
36
Months

(ADR/
APY)
60
Months3

(ADR/
APY)
Jumbo Certificate
$100,000+
0.20/
0.20
0.35/
0.35
0.40/
0.40
0.55/
0.55
0.70/
0.70
0.75/
0.75
1.14/
1.15
$50,000-99,9990.15/
0.15
0.30/
0.30
0.35/
0.35
0.50/
0.50
0.65/
0.65
0.70/
0.70
1.09/
1.10
$10,000-49,9990.15/
0.15
0.30/
0.30
0.35/
0.35
0.50/
0.50
0.65/
0.65
0.70/
0.70
1.09/
1.10
$500-9,9990.15/
0.15
0.30/
0.30
0.35/
0.35
0.50/
0.50
N/A/
N/A
0.70/
0.70
1.09/
1.10


>> Earn additional discounts with Relationship Rewards

ROTH IRA Certificates
Minimum
to Open
6
Months

(ADR/
APY)
12
Months

(ADR/
APY)
13
Months1

(ADR/
APY)
24
Months

(ADR/
APY)
25
Months2

(ADR/
APY)
60
Months3

(ADR/
APY)
Jumbo Certificate
$100,000+
0.20/
0.20
0.35/
0.35
0.40/
0.40
0.55/
0.55
0.70/
0.70
1.14/
1.15
$50,000-99,9990.15/
0.15
0.30/
0.30
0.35/
0.35
0.50/
0.50
0.65/
0.65
1.09/
1.10
$10,000-49,9990.15/
0.15
0.30/
0.30
0.35/
0.35
0.50/
0.50
0.65/
0.65
1.09/
1.10
$500-9,9990.15/
0.15
0.30/
0.30
0.35/
0.35
0.50/
0.50
N/A/
N/A
1.09/
1.10


>> Earn additional discounts with Relationship Rewards

Education IRA Certificates
Minimum
to Open
6
Months

(ADR/
APY)
12
Months

(ADR/
APY)
13
Months1

(ADR/
APY)
24
Months

(ADR/
APY)
25
Months2

(ADR/
APY)
Jumbo Certificate
$100,000+
0.20/
0.20
0.35/
0.35
0.40/
0.40
0.55/
0.55
0.70/
0.70
$50,000-99,9990.15/
0.15
0.30/
0.30
0.35/
0.35
0.50/
0.50
0.65/
0.65
$10,000-49,9990.15/
0.15
0.30/
0.30
0.35/
0.35
0.50/
0.50
0.65/
0.65
$500-9,9990.15/
0.15
0.30/
0.30
0.35/
0.35
0.50/
0.50
N/A/
N/A


>> Earn additional discounts with Relationship Rewards

Apply Now

1 - 13 Month Bump Rate Certificate - rate may be changed by the member once after 6 months.
2 - 25 Month Bump Rate Certificate - rate may be changed by the member once after 12 months.
3 - 60 Month certificate rate is a variable rate that may change annually on January 1st of each year.
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.