YNB offers a wide variety of certificate of deposit options with a range of terms and rates and the security of the Federal Deposit Insurance Corporation (FDIC).

Business Certificates of Deposit
WIth a Business CD your company receives a guaranteed rate of return and flexible term options for excess business funds.
Interest compounded daily
Convenience of flexible terms
$1,000 minimum to open

CD Terms

  • Available terms range from 7 days to 2 years.

Opening Balance Requirement

  • $1000 to open a Regular Certificate of Deposit; $100,000 to open a Jumbo Certificate of Deposit.


  • Ten (10) working days prior to maturity a notice is sent to the CD-holder. An additional ten (10) working days after maturity is afforded the customer to request any changes to their CD. If no changes are requested, the CD will automatically renew at the currently posted rate.
  • Early withdrawal penalties may apply if the certificate of deposit account is closed prior to maturity.