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Yolo FCU Mobile


Free - On the App Store


Yolo FCU Mobile


Free - On the App Store


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?

Roth IRA from Yolo Federal

A Roth IRA allows you to put aside money and let it grow. You can withdraw your money (but not your earnings) whenever you need it, even before you turn 59. Upon retirement, all your withdrawals and earnings are tax-free.


*Consult your tax advisor

Why Yolo Federal

We're with you every step of the way

  • Open an account at any time
  • Make withdrawals whenever you need to
  • Dividends are compounded daily and paid monthly ​

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%

IRA & ROTH CD Savings

Minimum Deposit
Term in months
12-23 0.30% 0.30% 0.30% 0.30%
24-35 0.35% 0.35% 0.35% 0.35%
36-47 0.50% 0.50% 0.50% 0.50%
48-59 0.75% 0.75% 0.75% 0.75%
60 1.65% 1.65% 1.70% 1.70%

*APY= Annual Percentage Yield.

Promotional Share Certificate Account
Minimum Deposit- $1,000 Term- 15 Months
Rate 1.49% APY 1.50%

Effective Date: June 1, 2020. Last Dividend Declaration Date: May 31, 2020.

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


Don't see the answer to your question?

  • 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.

Used Auto Loan Rate Drop

Used auto loan rates dropped this month! Now you can find the car you love for the price you can afford. Follow the link to learn more and view the new rates.

View Rates