When it comes to growing your money, it’s easy to feel overwhelmed by choices. That’s why we created Yield – Credit Direct’s approach to financial growth, which is simple as it is effective. Here’s everything you need to know about Yield and how it can support your financial wellness journey.

What is Yield?

Yield is a fund management solution designed to grow your money over time. It was built with one goal in mind – making financial growth accessible, flexible, and grounded in real possibilities, not overhyped promises.

At Credit Direct, we know that true growth doesn’t happen overnight. Just like tending to a plant, financial growth is about consistent care, the right conditions, and patience.

We’ve crafted a solution that allows you to grow your funds in a way that’s truly sustainable and designed for real life. Whether you’re planning towards something big, setting aside funds for unexpected expenses, or simply looking for an easy way to grow your money, Yield has something for every kind of saver.

Four Key Features of Yield

1. Flex Yield

Have you ever wanted a flexible plan that grows with you? Flex Yield was designed for users who want control over their money without rigid rules. Here’s what makes it so unique:

• Flexible Withdrawals: With Flex Yield, you can withdraw up to four times per month without any penalty. After the 4th withdrawal, there’s a 20% reduction in accrued interest for the month, so most of your growth is still protected.

• Interest Rate: At 15% per year, Flex Yield is a great way to let your money grow steadily, without sacrificing access to your funds when you need them.

Flex Yield is all about adaptability. It helps make reaching your financial goals achievable, without locking you into one plan.

Click to create your own Flex Yield

2. Fixed Yield

Fixed Yield offers a clear path to steady returns for those who prefer a structured way of growing their funds. Unlike traditional savings accounts, Fixed Yield allows you to lock in your money for a set period and enjoy higher interest rates the longer you commit.

• Choose Your Preferred Term: Pick a term that works for you, from 1 month to 12 months, with rates increasing as you go.

• Interest Rates by Term:
  
  • 1 month = 16% p.a.
  • 2 months = 17% p.a.
  • 3-5 months = 18% p.a.
  • 6-8 months = 19% p.a.
  • 9-11 months = 20% p.a.
  • 12 months = 21% p.a.

Fixed Yield is perfect for anyone looking to commit to financial growth over time. It is straightforward, dependable, and offers peace of mind as your funds keep growing.

Create a Fixed Plan on Yield

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3. Target Yield

Target Yield is how you build discipline especially if you have a specific goal you are working toward. Planning for a trip, school fees, rent, a big purchase? Target Yield was built for exactly that kind of focused, intentional investing.

With Target Yield, you create a plan around a goal, commit to a timeline, and set up automatic contributions that keep you on track without relying on willpower alone. Here is what makes it work:

• ‍Earn While You Build: Your funds earn 15% per annum from the moment they are in your plan.
• Goal-Driven Plans: Name your plan after the goal it serves — a vacation, a business expense, an emergency fund. Giving it a name keeps the purpose front of mind every time you check in.
• Automated Top-Ups: Set contributions to happen daily, weekly, or monthly so your plan keeps growing on schedule, whether or not you remember to fund it manually.
• Multiple Plans at Once: Running more than one goal at a time? Create separate Target Yield plans for each one and watch them grow side by side.

Target Yield is for the goal-setter who knows what they want and needs a system that keeps them honest about getting there.

Create your Target Yield Plan

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4. Gift A Yield

Gift A Yield lets you invest in someone's financial future by creating a Yield plan in their name. It is one of the few gifts that outlasts the occasion, whether it is a birthday, wedding, graduation, or any moment worth marking.

• Invest in Someone's Future: Choose an amount, set a duration, and create a Yield plan for the person you are gifting. The money earns up to 21% per annum.
• Add a Personal Note: Include a short message with your gift, something only you could write. It turns a financial gesture into a personal one.
• Simple Setup: Your recipient doesn't need to sign up before you gift them, this way you get to surprise them with the gift. Claiming the gift takes just a few minutes.
• Minimum Amount: You can gift from as little as ₦50,000; enough to start a plan that earns meaningfully over time.

Gift A Yield Today

How To Get The Most of Yield

Here's a simple way to understand Yield and what product works best for you at every time

Getting Started is Easy

Here’s how you can begin your journey to simple, steady financial growth:

1. Sign up on the Credit Direct App: You can download the Credit Direct App here.
2. Choose Your Path to Growth: Explore both Flex Yield, Fixed Yield, and Target Yield to see which options work best for you.
3. Start Growing, Your Way: Create your yield plan, fund it, and track your progress as your money grows steadily.

Ready to Grow with us?

At its core, Yield isn’t just about helping you save money, it’s about providing you with the right platform to grow your funds confidently.

Think of it as a partner in your financial journey, giving you control, peace of mind, and the freedom to grow in ways that make sense for you. Let’s take that first step together, one simple, flexible plan at a time.  

Click to Sign up on Yield with The Credit Direct App

If you can't download the Credit Direct app, sign up on Yield Web here.

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