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To participate in the “Shortcut to Savings” program (Program) you must: (i) notify us through our website, by phone, email, or in person to opt-in; and (ii) have been issued a debit card. The Program rounds up each debit purchase transaction (Purchase) to the nearest dollar and transfers any amount in excess (Amount) from the checking account (Account) to a designated savings or sub-savings account (Savings). Each calendar day the Program requirements are met, the difference between the actual Purchase and the amount rounded up to the nearest dollar will be transferred to the Savings. If a Purchase is reversed, the transfer amount will still post to the Savings. If there are insufficient funds in the Account, the transfer will not be posted to Savings. Transfers to the Savings will show as a single transaction. The Amount is the sum of all transfers that occurred in the same calendar day. Example: a transaction of $25.17 would result in a transfer of $0.83 to the Savings. A subsequent transaction [that same day] of $26.01 would result in a transfer of $0.99 to the Savings. In the Account these transactions would be recorded as: (i) a transaction of $25.17; (ii) a subsequent transaction of $26.01; and (iii) a transfer Amount of $1.82 to the Savings. If transactions end in .00 cents the amount transferred will be $1.00.
You may opt-out of the savings program anytime by notifying us by phone, email, or in person. Some restrictions may apply.

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*Yolo Federal is offering a $50 Bonus ("Bonus") for Youth Accounts during the promotional period of 4/1/26-12/31/26 (Promotional Period"). Offer available for minors age 17 and under. To qualify, the minor must have an open Youth Savings Account and open either a Youth Checking Account or Greenlight Account during the Promotional Period. New and existing Youth Savings Accounts qualify. Joint accountholder must be age 18 or older and must be a Yolo Federal member. The Bonus will be deposited into the S1 savings account within 30 days after the qualifying account is opened. To avoid the monthly service fee, if over the age of 22, they must: maintain a minimum of $100 in their S1 Savings account, have Direct Deposit, or aggregate deposits and loans of $5,000 or more; otherwise, a $5 fee applies. Minimum Savings balance to earn dividends is $0 and Annual Percentage Yield (APY) is 0.03%. APY effective April 1, 2026. Rates subject to change at any time. The value of the bonus may be considered a taxable dividend, and it will be reported on IRS Form 1099-INT. Some restrictions may apply. Yolo Federal Youth Savings and Student Checking Accounts are Federally Insured by NCUA.

The Greenlight®️ prepaid card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International.

Yolo Federal Credit Union members are eligible for the Greenlight SELECT plan at no cost when they connect their Yolo FCU account as the Greenlight funding source for the entirety of the promotion. Subject to minimum balance requirements and identity verification. Upgrades will result in additional fees. Upon termination of promotion, members will be responsible for associated monthly fees. See terms for details. Offer ends 04/18/2028. Offer subject to change or renewal.

Card images shown are illustrative and may vary from the card you receive. Greenlight accounts are not insured by NCUA.

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