Credit union · NCUA insured
Yolo Federal Credit Union CD Rates
Yolo Federal Credit Union’s best CD rate is 4.25% APY on a 9-month share certificate (CD), with extra requirements. Rates checked October 16, 2026.
How Yolo Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Sacramento, CA, where Yolo Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Yolo Federal Credit Union
4.25%APY
- Term
- 9 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $317
Certificates of Deposit (CDs)
Top rate
Ukrainian Federal Credit Union
4.50%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,412
2nd-highest rate
Heritage Community Credit Union
4.40%APY
- Term
- 22 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $821
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit (CDs)
Up to 4.25%APY · 1 term
To qualify for membership, you must live, work, worship, or attend school in Yolo, Sacramento, Placer, or El Dorado counties. An early withdrawal penalty may apply if funds are withdrawn before maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsPromotional 9-month rate for members who do not meet all account relationship requirements. Must be funded with funds new to Yolo FCU. Available for a limited time | 3.25% | $243 |
| 9 monthsPromotional 9-month rate. Requires Yolo FCU Checking Account, Debit Card, Direct Deposit, and funding with funds new to Yolo FCU. Available for a limited time | 4.25% | $317 |
Sources (1)
- yolofcu.org/certificates-cd · captured Oct 16, 2026
Special-purpose accounts
IRA & Roth Certificate
2.80%APY · 1 term
Available for Traditional or Roth IRAs. Consult your tax advisor regarding deductions and withdrawals. General CD terms range from 12 to 60 months.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 monthsTraditional and Roth options available. Dividends are compounded daily and paid monthly | 2.80% | $1,481 |
Sources (1)
- yolofcu.org/investment-savings-accounts · captured Oct 16, 2026
Who can join Yolo Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, or attend school in Yolo, Sacramento, Placer, or El Dorado counties.
Membership information collected October 5, 2026.