Traditional IRA - Yolo Federal Credit Union Skip to main content
×
cover-art

Yolo FCU Mobile

Finance

Free - On the App Store

View
×
cover-art

Yolo FCU Mobile

Finance

Free - On the App Store

View

Traditional IRA

Stress-free retirement? It's possible.

Save more by making tax-deductible contributions to an Individual Retirement Account (IRA).


Schedule Appointment

Quiz

Which IRA is right for you?

  • What kind of tax benefit would you prefer?
    • I’d like to avoid paying taxes on the contributions I make now.
    • I’d rather avoid taxes when I make withdrawals from my retirement account.
      • A Roth IRA may be the best choice for you.
    • I’m not really sure.
      • Do you expect your annual income to keep growing regularly?

What Is It?

Traditional IRA from Yolo Federal

A Traditional IRA lets you make tax-free contributions to your retirement account, which means you can save more. As a local, family-centered organization, we’re the perfect choice to watch over you and your money, no matter how close or far you are from retirement.

Why Yolo Federal

We're with you on this journey

  • Contributions are tax-deductible (Consult a tax advisor)
  • Open an account at any time
  • Dividends are compounded daily and paid monthly ​
  • Achieve Learning: Retirement

Rates & Fees

IRA, ROTH, Coverdell ESA & SEP

Minimum Daily Balance Dividend Rate Annual Percentage Yield
$0 0.03% 0.03%
$100 0.03% 0.03%
$10,000 0.03% 0.03%
$50,000 0.03% 0.03%
$100,000 0.03% 0.03%

Effective Date: April 1, 2024. Last Dividend Declaration Date: March 31, 2024. Rates subject to change at any time.

Dividends paid from current income and available earnings after required transfer to reserves at the end of the dividend period. Rates are subject to change without notice as determined by the Credit Union’s Board of Directors. Fees could reduce earnings on accounts. Some restrictions may apply.

IRA & ROTH CD Savings

Minimum Deposit
Term in months 		$500
APY* 		$10,000
APY* 		$50,000
APY* 		$100,000
APY*
12-23 1.30% 1.30% 1.30% 1.30%
24-35 1.35% 1.35% 1.35% 1.35%
36-47 1.80% 1.80% 1.80% 1.80%
48-59 2.30% 2.30% 2.30% 2.30%
60 2.80% 2.80% 2.80% 2.80%

*APY= Annual Percentage Yield.

Effective Date: April 1, 2024. Last Dividend Declaration Date: March 31, 2024. Rates subject to change at any time.

Dividends paid from current income and available earnings after required transfer to reserves at the end of the dividend period. Rates are subject to change without notice as determined by the Credit Union’s Board of Directors. Fees could reduce earnings on accounts. Dividends earned will be compounded only if they remain on deposit in the certificate. Penalty imposed for early withdrawal. Some restrictions may apply.

Savings Calculator

Total Savings

FAQs

Don't see the answer to your question?

  • *This is not a secured email. Please do not include sensitive personal/financial information in this form. If you would like to discuss account details, please include a phone number so we can contact you. Thank you!
  • This field is for validation purposes and should be left unchanged.

  • Disclosures

    Please check with you tax advisor on your specific eligibility.

    By clicking on any external links, you are aware that you are leaving Yolo FCU’s website. Yolo FCU does not guarantee the accuracy, security or failure of products/services of third party sites. We encourage you to review the privacy and security disclosures on all websites you visit.

    Programs (including but not limited to fees, rates, and features) are subject to change without notice. Fees may reduce earnings.

Please enter a form shortcode or message for this pop-up.

Leaving Our Site

You are leaving the Yolo Federal Credit Union website. Yolo Federal Credit Union provides links to external sites for the convenience of its members. By clicking “Continue” you will be directed to an external website owned and operated by a third party. These external websites are not controlled by Yolo Federal Credit Union and Yolo Federal Credit Union makes no representation or warranty, express or implied, to the user concerning the information, content, presentation, accuracy or opinion of these sites or the quality, safety, or suitability of any software found on these sites. The privacy policies of Yolo Federal Credit Union do not apply to external sites and users should consult the privacy policies on these sites for further information. Thank you for visiting the Yolo Federal Credit Union website.

To qualify for membership, you must live, work, worship, attend school in Yolo, Sacramento, Placer, or El Dorado counties.

To apply for a Home Loan, you must qualify for membership, and the property must be located in Yolo, Sacramento, Placer, or El Dorado counties or within 50 miles of our corporate office. 

Leaving Our Site

You are contacting a Yolo Federal Credit Union Representative. By clicking “Continue,” you understand that any transmission to or from this site is not confidential. You agree that Yolo Federal Credit Union will not be responsible to anyone for any damages arising out of or in connection with any e-mail or other electronic transmission sent to Yolo Federal Credit Union. All information you submit to Yolo Federal Credit Union via the site will be considered to be the property of Yolo Federal Credit Union, and Yolo Federal Credit Union is free to utilize any information you submit for any purpose, subject to Yolo Federal Credit Union’s Privacy Policy.

Fraud—Protect Yourself

We proactively work to protect members against fraud. All of our Debit and Credit Cards come with ID Navigator through NortonLifeLock™ to help protect you against identity theft. If you suspect fraud or have questions, please call, schedule an appointment, or click on Let's chat! to speak with a Yolo FCU representative.

Learn More