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  Savings Rates
Share Accounts
TypeMinimum
Balance
Dividend
Calculation
Frequency of
Compounding
Annual Dividend
Rate(ADR)
Annual %age
Yield(APY)
Subject
to
Change
Regular Share (primary)$5.00DailyQuarterly0.05%0.05%Quarterly
Christmas Club$0.00DailyQuarterly0.05%0.05%Quarterly
Vacation Club$0.00DailyQuarterly0.05%0.05%Quarterly
Insurance Club$0.00DailyQuarterly0.05%0.05%Quarterly
Health Savings Club$0.00DailyQuarterly0.10%0.10%Quarterly
Money Market$2,500DailyMonthly0.15%0.15%Daily
Money Market$25,000DailyMonthly0.20%0.20%Daily
Money Market$75,000DailyMonthly0.25%0.25%Daily
Money Market$100,000DailyMonthly0.30%0.30%Daily


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


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1 - 13 Month Certificate rate may be changed by the member once after 6 months.
2 - 25 Month 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.