The Dynamic Duo

HIGH YIELD CHECKING & HIGH YIELD MONEY MARKET

Pair 'em up and earn BIG.
Your High Yield Money Market rakes in 4.25% APY2 when paired with High Yield Checking.
Some things are better together: PB & J, Mac & Cheese, Ben & Jerry, and High Yield Checking & High Yield Money Market.

GET STARTED

How the magic happens:

Open a High Yield Checking account. Already have one? Move on down to step two.
Here's the lowdown on High Yield Checking:
Earn 3.75% APY1 on the first $15,000.00 and 0.05% APY1 on $15,000.01 and up.
Waive the monthly service fee and earn dividends by having 15 debit and/or credit card monthly combined transactions and having a minimum $2,000 average daily balance or cumulative $1,000 monthly direct deposit.3
Open Now
Open a High Yield Money Market account and bring it to life with a minimum opening deposit of $25,000.
Here's the scoop on High Yield Money Market:
Earn 4.25% APY2 when you meet the High Yield Checking qualifications and maintain a balance of $25,000 or more.
Earn 1.00% APY2 if you don't meet the High Yield Checking qualifications but maintain a balance of $25,000 or more.
Make It A Duo
That's it! Sit back, and put the dynamic duo to work.

Features

  • A Visa Rewards Debit Card earns one point for every $4 spent on signature-based transactions with Loyalty Rewards.

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  • Set up direct deposit and get your paycheck up to two days early.

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    *With Early Pay, we may make incoming electronic direct deposits made through the Automated Clearing House (ACH) available for use up to two days before the scheduled payment date. Not all direct deposits are eligible for Early Pay. Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Whether we make funds available early depends on when we receive the payor’s payment instructions, any limitations we set on the amount of early availability, and standard fraud prevention screening. Available for personal accounts only. Eligible direct deposits are limited to electronic direct deposits of items such as your payroll, pension, and government benefit payments made through the Automated Clearing House (ACH) to your personal account. Other deposits or credits to your account, such as deposits of funds from person-to-person payment services (e.g., Zelle®, Venmo, or PayPal transfers), FedNow, Real-Time Payments (RTP), check or mobile deposits, and other online transfers or electronic credits are not eligible for Early Pay.
  • ClickSWITCH will quickly and securely move direct deposits and recurring payments to your Y-12 FCU account.

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  • Enjoy easy access to our 20,000+ fee-free ATM network.

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  • Access your accounts anytime, anywhere with our Digital Banking app.

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Video Banking

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Open An Account Online

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 1. The Annual Percentage Yields (APYs) for High Yield Checking, effective 12/01/2024, are: 3.75% for balances of $0 to $15,000.00; 0.05% for balances of $15,000.01 and over. Monthly requirements:15 cleared and posted debit and/or credit card combined transactions; minimum $2,000 average daily balance or cumulative $1,000 monthly direct deposit. If requirements are not met, a $5 monthly service fee will be charged and dividends will not be paid. Requirements are waived for members ages 14-23 years old. Rates subject to change without notice after account opening. Fees may reduce earnings on account. Federally insured by NCUA.

2. High Yield Checking required for High Yield Money Market. Minimum average daily balance of $25,000 required to earn dividends for High Yield Money Market. The Annual Percentage Yield (APY) for High Yield Money Market, effective 12/01/2024, is 4.25% if High Yield Checking and minimum balance requirements are met; 1.00% APY for average daily balances $25,000 and over if High Yield Checking requirements are not met. If High Yield Checking is closed, High Yield Money Market must be closed. Rates subject to change without notice after account opening. Fees may reduce earnings on account. Federally insured by NCUA. 

3. Direct deposit consists of an electronic deposit of wages, pension and/or social security benefits. Transfers of funds, mobile deposits, and deposits from payment vendors (PayPal, Venmo) do not qualify.