Share Certificate

Reduce Risk + Earn More

A Y-12 FCU share certificate account lets you earn a consistently strong rate with no risk.  Members can open a share certificate online or at any branch location.

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Share certificates are eligible for Loyalty Rewards redemption*.



6-Month Share Certificate1
3.00% APY


Minimum Balance
$500


Opening Deposit
50% New Money
Visit a branch





12-Month Share Certificate2
4.00% APY


Minimum Balance
$500


Opening Deposit
50% New Money
Visit a branch





Share Certificates
Various options available. 




3-60 Month Terms







Minimum Balance
$500

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Additional Resources

1. Minimum balance to receive advertised rate is $500. Requires 50% of opening deposit to be new money, not transferred from an existing Y-12 FCU account.  Rates accurate as of 11/17/2022. APY is Annual Percentage Yield. 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 This offer is for a limited time only and can be withdrawn at any time.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
2. Minimum balance to receive advertised rate is $500. Requires 50% of opening deposit to be new money, not transferred from an existing Y-12 FCU account. Rates accurate as of 11/17/2022. APY is Annual Percentage Yield.  Qualifying share certificate for Loyalty Rewards redemption: Requires a $5,000 minimum opening balance and a minimum one-year term. 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 This offer is for a limited time only and can be withdrawn at any time.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.