Master Share Account Your Master Share Account is your key to credit union membership. This account is required for all members. A minimum balance of $5 gives you access to all the benefits of membership. Apply Back to Top Term Share Certificates Earn our highest dividend rates by investing your funds for set periods of time in a Term Share Certificate. Terms from 3 to 60 months are available. We offer a variety of certificates, with minimum deposit requirements from $500 to $100,000. Our rates are exceptionally competitive. Call us first! NOTE: Penalties may apply for early withdrawal of funds from Term Share Certificates. Apply Back to Top IRA General Information Click on the links below for additional IRA information: IRA Planning and Calculators How Life Changes Affect Your IRA Frequently Asked Questions Manage Your IRA Open an IRA Now Back to Top IRA Certificates Traditional IRA Certificates earn the same current yield as the Credit Union's regular Certificates. Plus, you'll enjoy the tax benefits of an IRA. For a low minimum balance of $500, you can choose a certificate with terms to fit your savings needs. NOTE: Penalities may apply for early withdrawal of funds from IRA Certificates. Apply Back to Top Traditional IRA Account Save for retirement with an IRA deposit account. An IRA offers a great rate, no annual maintenance fee, and the benefit of tax-deferred earnings. The minimum balance to open an IRA account is $100. Traditional IRA Certificates are also available. Enjoy a great rate and the benefit of tax-deferred earnings! Apply Back to Top Coverdell Savings Account (formerly the Education IRA) Saving for your child's education is getting easier -- Education IRAs, now known as Coverdell Savings Accounts, are now available. A Coverdell Savings Account is an investment tool created for the purpose of paying for the future cost of a child's elementary, secondary, or higher education. The plan allows total after-tax contributions of $2000.00 per year for each child until they reach the age of 18. These contributions and their subsequent earnings are tax-free when withdrawn to pay for qualified education expenses. Call us at 214-574-2000 (option 2) or visit our IRA Center online for complete details! Apply Back to Top Roth IRA Account The alternative IRA. A Roth IRA offers benefits not available on traditional IRA products. Including withdrawals without a penalty or tax liability, no mandatory withdrawal requirements at age 70.5, and tax advantages for your heirs. In addition, you may be able to convert all or part of your traditional IRA to a ROTH IRA. Consult a tax advisor for additional information regarding eligibility for tax deductions, tax and penalty free withdrawals, and eligibility requirements for IRAs. Call us at 214-574-2000 (option 2) or visit our IRA Center online for complete details! Apply Back to Top Consumer Checking Account YOUR Federal Credit Union offers a menu of checking accounts to meet your individual financial needs. Whether you want the earning power of an interest bearing account, or the worry free ease of a NO MONTHLY MAINTENANCE FEE account – there’s no need to look anywhere else. And, to increase your earning power even more, we are offering the Gold Star Money Market Account*. In line with other money market accounts, Gold Star offers higher rates based on tiered amounts. The more money you have on deposit, the more dividends you earn. Let your money work for you! Checking Accounts Available Preferred Checking Overview $25.00 Deposit to Open Account No Monthly Fee No Minimum Daily Balance (MDB) required Free Audio Response Access Free BillP@y Free HomeBr@nching Free E-Statement Free E-Check Imaging (Up to 6 rolling months of In-Clearing Check Items) Free Initial CueCard Debit Card Free Point of Sale Transactions Free Cash Back Point of Sale Transactions Free Unlimited ATM Transactions at YFCU ATM's 4 Free ATM Access Fees at Non-Owned or Operated YFCU ATM'S Free Notary Additional Benefits WriteLine Line of Credit - Overdraft protection you can count on. A WriteLine Line of Credit is another way to avoid NSF and merchant fees. A WriteLine loan allows you the flexibility to use funds, as they are available, to cover checks when you need it. Repayment options vie E-Services could minimize costs as well. Checking Rewards - Checking Rewards is an affordable way to add even more value to your checking account. For only $4.95 per month you will receive up to $5000.00 Identity Theft Insurance, $100,000 Common Carrier Accidental Death Insurance, and much more. Enhance your current checking account with Checking Rewards. Apply Choice Checking - for rates Overview $50.00 minimum to open $1,000.00 Minimum Daily Balance required to earn dividends. If MDB falls below $1000.00 in a month, a $5.00 fee will be assessed. Free Audio Response Access Free BillP@y Free HomeBr@nching Free E-Statement Free E-Check Imaging (Up to 6 rolling months of In-Clearing Check Items) Free Initial CueCard Debit Card Free Point of Sale Transactions Free Cash Back Point of Sale Transactions Free Unlimited ATM Transactions at YFCU ATM's 4 Free ATM Access Fees at Non-Owned or Operated YFCU ATM'S Free Notary Additional Benefits WriteLine Line of Credit - Overdraft protection you can count on. A WriteLine Line of Credit is another way to avoid NSF and merchant fees. A WriteLine loan allows you the flexibility to use funds, as they are available, to cover checks when you need it. Repayment options vie E-Services could minimize costs as well. Checking Rewards - Checking Rewards is an affordable way to add even more value to your checking account. For only $4.95 per month you will receive up to $5000.00 Identity Theft Insurance, $100,000 Common Carrier Accidental Death Insurance, and much more. Enhance your current checking account with Checking Rewards. Apply Gold Star Money Market - for rates A Gold Star Money Market allows you the earning power of an investment account while still being able to access your funds. Dividends earned in a Gold Star Account are based on a tier structure. The more funds you have on deposit, the more dividends you earn. And, you are allowed up to 6 withdrawals per month. * Features include: $1500.00 Minimum Deposit to Open Dividends on Tier Structure 6 withdrawals per month* If at any time during the month your balance falls below $1500.00, a $10.00 fee will be assessed. * During any statement period, you may not make more than six withdrawals or transactions to another credit union account of yours or to a third party by means of a preauthorized, automatic, or computer transfer or telephonic order or instruction. No more than six transfers may be made by check, draft, debit card, or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account may be subject to closure by the credit union and chargeable for fees related to the exceeded limitations. Apply Enjoy convenience when you use your ATM card to make purchases directly from your checking account. This option is available anywhere you see the Pulse Pay Logo. Save on fees with overdraft protection from a WriteLine loan or your savings account. A Master Share Account is required before your checking account can be opened. Back to Top   Back to Products