Certificates of Deposit

With a Certificate of Deposit from YNB, you receive a guaranteed rate of return, a selection of interest payment plans, and terms to help you customize your investment needs.

  • Competitive rates available
  • Multiple interest payment options
  • Convenience of flexible terms
  • Certificates of Deposit are FDIC-insured up to the maximum amount allowed by law.

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.