Share Certificates


GREAT RATES! WHY WAIT?

Take advantage of these limited time offers! 

Members can open a share certificate at any branch location.



6-Month 
Limited Time Offer1
3.00% APY


Minimum Balance
$500


Opening Deposit
50% New Money
Visit a branch





12-Month 
Limited Time Offer2
4.00% APY


Minimum Balance
$500


Opening Deposit
50% New Money
Visit a branch





12-Month 
Limited Time Offer3 

4.50% APY




Minimum Balance
$500

Opening Deposit
100% New Money
Open Now




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 This offer is for a limited time only and can be withdrawn at any time.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 This offer is for a limited time only and can be withdrawn at any time.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.
3. Minimum balance to receive advertised rate is $500. Rates accurate as of 11/17/2022. APY is Annual Percentage Yield. 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 This offer is for a limited time only and can be withdrawn at any time.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