Secondary Savings - Yolo Federal Credit Union Skip to main content

Yolo FCU Mobile


Free - On the App Store


Yolo FCU Mobile


Free - On the App Store


Which savings account is right for you?

  • What would you like to save up for?
    • An upcoming event, like a vacation or holiday shopping.
    • I’m most interested in growing my money while I save it.
      • Do you need immediate access to your money, or are you willing to put it away for awhile?
        • I’d prefer to have regular access.
          • Ok! How much were you thinking of putting in an account?
            • Quite a lot. Maybe over 150,000?
              • Perfect. We might suggest our Premium Money Market account. You can still access your funds at any time. However, by putting a large sum into the account, you’ll still enjoy an excellent dividend rate.
            • I want to put some money in an account, but not that much.
              • Sounds good! We might suggest our Money Market account. This is different than a regular investment account, because you can access your funds at any time. As long as you can put at least 2,500 into an account, you’re eligible.
        • I’m comfortable putting it away for a while.
          • Great! Do you want a fixed dividend rate, or would you prefer to change it at some point?
            • Fixed sounds good to me.
            • I can change the rate? I’m interested in that.
              • You may be interested in one of our Step-Up Certificate accounts. It’s similar to a Share Certificate, but you’ll have a one-time opportunity to change your rate.
    • I’m really just interested in a Yolo Federal membership.

What Is It?

Secondary Savings from Yolo Federal

Unlike our Regular Savings account, our Secondary Savings and Holiday Club accounts have no minimum balance requirements or associated fees. You can make as many as you like, so if you’re saving for something specific, it’s a great way to put money aside.

Why Yolo Federal

Plenty of freedom

  • Money Track
  • Create as many accounts as you need
  • Great for holidays, emergencies, and more
  • Save automatically by setting up direct deposit
  • No fees or minimum deposit

Rates & Fees

Savings & Secondary Savings Accounts

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: August 1, 2024. Last Dividend Declaration Date: July 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.

Some fees may apply and see additional disclosures.