Click Here for Deposit Rates

Opening an account with Yak Fed is easy as clicking a button, providing a few pieces of information and making your first deposit. We offer wide range of deposit products that are sure to meet your needs. Annual Percentage Yield (APY) assumes reinvestment of interest earned at the stated rate. Rates subject to change without notice. Substantial penalty for early withdrawal may apply for term deposits. Fees may reduce earnings. New accounts limited to Washington and Oregon State residents. For information on opening a new account as an out-of-state resident call us toll-free at 1-800-331-3225.

NEW: Effective immediately, All Yakima Federal Visa® Debit cards can now enroll in uChoose rewards!


Free Checking

Standard free checking / debit card account. It’s a great choice for your first checking account.

FEATURES:

  • $25 minimum balance to open
  • Free first order of personal checks
  • Account to account transfers
  • Send or Request Money with Zelle®
  • Free canceled check storage
  • Free initial Visa® Debit card with uChoose rewards
  • Free Yakima Federal ATM access
  • Free Online Banking with eStatements, Mobile App, Mobile Capture, and Bill Pay

*Overdraft fees may apply

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Simply Better Checking

Interest bearing checking without a high minimum balance requirement.

FEATURES:

  • $1,000 minimum balance to open
  • Earns interest every day that your balance is $1,000 or more.
  • $5.00 monthly service charge waived* with minimum $1,000 balance.
  • Free first order of personal checks
  • Account to account transfers
  • Send or Request Money with Zelle®
  • Free cancelled check storage
  • Free initial Visa® Debit card with uChoose rewards
  • Free Yakima Federal ATM access
  • Free Online Banking with eStatements, Mobile App, Mobile Capture, and Bill Pay

*Overdraft fees may apply

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Preferred Checking

Interest bearing checking which earns the highest interest rate as long as your balance remains at $5,000 or more.

FEATURES:

  • $5,000 minimum balance to open
  • Interest rate is fixed for the first year
  • Service fee waived* with $5,000
    monthly balance or combined deposit/loan
    balance of $25,000
  • Free first order of personal checks plus two free boxes per year
  • Account to account transfers
  • Send or Request Money with Zelle®
  • Free cancelled check storage
  • Free PREFERRED Visa® Debit card with uChoose rewards
  • Free Yakima Federal ATM access
  • Free Online Banking with eStatements, Mobile App, Mobile Capture, and Bill Pay

*Overdraft fees may apply

OPEN NOW
Clear Choice Student Checking

Student free checking / debit card account. It’s a great choice for your first checking account with no overdraft fees.

FEATURES:

  • $25 minimum balance to open
  • No overdraft fees
  • Accepts direct-deposits (necessary for many jobs)
  • Account to account transfers
  • Send or Request Money with Zelle®
  • Free initial translucent Visa® Debit card with uChoose rewards
  • Yakima Federal ATM access
  • Up to 2 non-Yakima Federal ATM fees refunded/reversed (per month or statement cycle)”
  • Online Banking with eStatements, Mobile App, Mobile Check Deposit, and Bill Pay
  • Card Control app which allows you to turn the card on and off and set alerts.
  • Parents may monitor the account (for holders under 18)



Second Chance Checking

If you find yourself in a situation where you are not able to get an account elsewhere, this may be the right choice for you.

FEATURES:

  • $25 minimum balance to open
  • $10 monthly service charge
  • No overdraft fees
  • Accepts direct-deposits (necessary for many jobs)
  • Account to account transfers
  • Send or Request Money with Zelle®
  • Free initial Visa® Debit card with uChoose rewards
  • Yakima Federal ATM access
  • Online Banking with eStatements, Mobile App, Mobile Check Deposit, and Bill Pay
Supra Fund Account

The Supra Fund Account pays a higher interest rate on balance tiers at $15,000, $25,000, $50,000 and $75,000 and over.

FEATURES:

  • $15,000 minimum balance to open
  • Safe and convenient
  • Unlimited deposits and withdrawals in person
  • Up to six automatic, pre-authorized, check or transfer withdrawals each month
  • Monthly service charge waived with $100 monthly balance
  • Monthly Statement
  • Free Online Banking and eStatements
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FEATURES:

  • $25,000 minimum balance to open
  • $5,000 minimum balance to avoid a $10 monthly service charge.
  • Interest compounds daily
  • Can be used for automatic transfers
  • See the rates and more info
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FEATURES:

  • $25,000 minimum balance to open
  • Interest compounded daily
  • Access to your money
  • Ability to write checks (conditions apply)
  • Interest rate is set for one year
  • Deposit must be new money
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Simply Savings

Simply Savings is a great way to start a savings habit.

FEATURES:

  • $1.00 minimum balance to open
  • Earn interest on every penny
  • No monthly service charge
  • Free online banking and eStatements
OPEN NOW

Customers of Yakima Federal also enjoy a number of other services.

FEATURES:

  • External Transfers
  • Free Notary Public
  • Free S.T.A.M.P. signature guarantee
  • Free Bank Checks (limit one per day)
  • Cashier’s Checks
  • Automated Transfers between savings and checking accounts
  • Telephone Transfers
  • Wire Transfers
  • Direct Deposit and Automatic Payments

Download Our Printable Product Brochures

Current CD RatesIcon For: Rates

Term Rate APY*
Savers Choice - 2-6 Mo. 4.81% 5.00%
7-12 Month CD 4.58% 4.75%
12 Month CD 3.44%  3.50%
20 Month CD 3.92% 4.00%
Download a PDF of the full rate table.

Rates are subject to change without notice.

Please inquire with one of our Savings Representatives about balance requirements.

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