Share Certificates
Supercharge your earnings.
With great rates and secure growth, talk about a smart spot to park some money.
FREQUENTLY ASKED QUESTIONS
We've got answers.
- 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.
- Share certificates offer higher interest rates, predictable returns, and security with being insured by the NCUA up to $250,000.
- Open a share certificate account easily online, at a branch, or through video banking.
- While you can access your funds, early withdrawal from a share certificate could result in penalities, which may include forfeiting a portion of the interest earned.
- 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 account from another institution won't be a headache. Our free online tool, ClickSWITCH, will securely transfer direct deposits and recurring payments 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.
RESOURCES
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1. Minimum balance to receive advertised rate is $500. Rates accurate as of 11/13/2024. APY is Annual Percentage Yield. Rates subject to change without notice. At maturity, accounts automatically renew at current rate unless changes are made during 7-day grace period. Penalties apply for early withdrawal. This offer is for a limited time only and can be withdrawn at any time. Federally insured by NCUA.
2. Minimum balance to receive advertised rate is $500. Rates accurate as of 11/13/2024. APY is Annual Percentage Yield. Rates subject to change without notice. Penalties apply for early withdrawal. At maturity, accounts automatically renew at current rate unless changes are made during 7-day grace period. Federally insured by NCUA.
3. Minimum balance to receive advertised rate is $500. Rates accurate as of 11/13/2024. APY is Annual Percentage Yield. Rates subject to change without notice. Penalties may apply for early withdrawal. At maturity, accounts automatically renew at current rate unless changes are made during 7-day grace period. This offer is for a limited time only and can be withdrawn at any time. Federally insured by NCUA.
