Share Certificates

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12-Month Special Offer

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  What is a share certificate and how do they work?

  A share certificate is a type of savings account that pays a fixed interest rate over a specified term. This financial product is designed for members looking to earn higher returns on their savings while enjoying the security of a guaranteed rate.
  
  When you open a share certificate, you agree to deposit your funds for a predetermined period. In return, you'll receive a fixed interest rate, which is typically higher than that of a regular savings account. At maturity, you can access your principal and the earned interest.
  
  

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  What are the benefits of a share certificate?

  Share certificates offer higher interest rates, predictable returns, and security with being insured by the NCUA up to $250,000.
   
  

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  How can I open a share certificate at Y-12 Credit Union?

  Open a share certificate account easily online, at a branch, or through video banking.
  
  

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  Can I withdraw funds from my share certificate before it matures?

  While you can access your funds, early withdrawal from a share certificate could result in penalties, which may include forfeiting a portion of the interest earned.
  
  

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  Why should I bank with Y-12 Credit Union?

  • Flexibility means having options. Manage your accounts in a branch, online, over the phone, through chat, in-app, with Video Banking, and more.
  • With our nationwide co-op ATM network, say goodbye to ATM fees and surcharges.
  • As a credit union, we make decisions with a member-first approach. Your success is our success.
  • Switching your direct deposit from another institution won't be a headache. Our free online tool, Pinwheel, will securely transfer direct deposits to your Y-12 Credit Union account.
  • From financial wellness tools to tips and tricks, take advantage of a supportive team that has your back and wants to see you succeed.