As a member of Yavapai Federal Credit Union you have access to affordable financial products including savings, low cost loans, checking and convenient access to your funds with ATM/Debit and VISA cards.

To learn more about our financial products simply scroll down the page.

The first step to membership is a minimum deposit of only $25.00, plus a $5.00 membership fee. To earn dividends your account must maintain a balance of at least $100. Click here to find out how easy it is to join.

Our checking account is one of the best examples of credit union value:

NO minimum balance requirement

NO regular monthly service fee

Overdraft protection available to qualified borrowers

ATM/Debit card

You can see that our Share Draft/Checking account gives you flexibility without the worry of any minimum balance restrictions and you’ll receive a monthly statement listing all transactions. Or you can access your account at this Web Site through “Home Banking” or on our audio response system, PAT, over the phone.

We use a duplicate check design, which gives you a copy of every check you write for easy record keeping. We can provide a copy of the cleared check for a nominal fee. Choose from a wide assortment of check designs and styles to suit your budget and taste. It’s easy to manage your Yavapai Federal Credit Union Share Draft/Checking account from wherever you work or travel with Direct Deposit and worldwide ATM’s.

Let us help you have the needed funds for that special time of year—Christmas! Set aside a specified amount each payday through payroll deduction or Direct Deposit to be deposited to your Holiday/Christmas Club account. On October 1, the balance in the account is transferred to your Share Draft/Checking account for you to use. Accessibility to those funds before October 1 is possible only by closing the account.
 

With this account, employees who don’t work during the summer, will have money to live on during the summer. In the spring sign your contract to receive your pay in nine months rather than twelve, and deposit the difference in an interest-bearing Vacation Club Account at Yavapai Federal Credit Union. You’ll have more to spend with the dividends earned than if you received a “balloon” paycheck.

Like all financial institutions, our IRA program follows the guidelines put forth by the IRS; but unlike other IRA programs, Yavapai Federal Credit Union charges only a small annual fee to administer your IRA. We offer competitive dividends declared and paid quarterly. You can deposit to your IRA easily through payroll deduction with your employer. We offer Traditional, Roth, and Educational IRA’s.

To earn a higher rate on money that you may not need in the near future, we suggest purchasing a Term Share/ IRA Certificate. We offer a competitive rate which is updated quarterly. You can buy a Term Share/ IRA Certificate for as little as $1,000.

To earn higher dividends than your Master/Shares account and have more flexible access to your funds than with a Share Certificate, open a Money Market Account. With the tiered dividend rate the amount you keep on deposit determines the rate you earn. A minimum of $1,000 is required. Three “free” withdrawals are allowed per month. Each withdrawal after three is charged a $5 fee. The maximum permitted in-branch daily withdrawal in the form of cash is $1,000.

Personal/Signature Loans are available to qualified borrowers for up to $10,000.

Shares Secured loans allow you to borrow against your savings with Yavapai Federal Credit Union. It’s a great way to keep earning on your savings while borrowing at a very low rate.

Collateral Loans such as new and used autos, boats, RV’s, motorcycles, mobile homes, and home equity loans are offered at competitive rates. Our loans use “simple” interest with no pre-payment penalty. The collateral used determines the rate and term of the loan.

VISA Classic credit cards are available and carry no annual fees.

Loan applications are usually processed in less than 24 hours.