Deposit Rates

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Our current deposit rates are shown below.

We do our best to ensure the accuracy of our rates posted online; however, all rates shown here must be verified by a YNB New Accounts Representative upon account opening.

Last updated and verified: January 1, 2018

Certificates of Deposit
REGULAR (Under $100,000)
JUMBO ($100,000 and Over)
Term
Rate
Annual Percentage Yield (APY)
Rate
Annual Percentage Yield (APY)
7 Days
0.05
0.05
0.05
0.05
30 Days
0.05
0.05
0.05
0.05
60 Days
0.10
0.10
0.10
0.10
90 Days
0.15
0.15
0.15
0.15
182 Days
0.25
0.25
0.25
0.25
1 Year
0.40
0.40
0.40
0.40
18 Months
0.60
0.60
0.60
0.60
2 Years
0.75
0.75
0.75
0.75
Retirement Accounts
Term
Rate
Annual Percentage Yield (APY)
6 Months
0.25
0.25
18 Month Variable
0.40
0.40
18 Month Fixed
0.60
0.60
Transaction Accounts
Term
Rate
Annual Percentage Yield (APY)
Personal Savings
0.10
0.10
Money Market Accounts
0.10
0.10
NOW Accounts
0.05
0.05

Minimum balance required to obtain the APY – $1000

Minimum balance required to open account – $1000

Early withdrawal penalties may be imposed

Fees could reduce the earnings on the account

The rate may change after the account is open on variable rate accounts