Share Certificate

Managing Risk with Better Return

A Y-12 FCU Share Certificate Account lets you earn a consistently strong rate without much risk. Share Certificates reduce risks by ensuring a return over a fixed term, or time period. The return is guaranteed over the life of that term, with much higher rates than a traditional savings account. The longer the term, the higher the return.

Loyalty Rewards logo This product is eligible for Loyalty Rewards redemption*.


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*Qualifying share certificate: Requires a $5,000 minimum opening balance and a minimum one-year term.