Financial Rates
| Share Certificate Rates | ||
| Effective Date: Thursday, May 25th, 2017 | ||
| Term | APR | APY |
| CD03 | 0.05% | 0.05% |
| CD06 | 0.05% | 0.05% |
| CD12 | 0.15% | 0.15% |
| CD18 | 0.15% | 0.15% |
| CD24 | 0.25% | 0.25% |
| CD36 | 0.50% | 0.50% |
| MINIMUM DEPOSIT FOR REG SH CERTS $500.00, NO MAXIMUM | ||
| *Rates subject to change at any time | ||
| Share Certificate Specials | |||
| Term | Rate | APY | Type |
| CD36S | 1.270 | 1.28% | MINIMUM 500, MAX 5000.00 (larger maximum if deposit is new money. Requires that member have either $15,000 in loan balances OR checking with debit card OR the deposit be NEW MONEY to YSCU |
| Regular Share/Dividend Rate/Yield | |
| Term | Rate |
| Regular Share/Dividend Rate/Yield | .025% |
| Money Market Rate/Yield and Fees | ||
| Term | Rate | Type |
| Money Market Rate/Yield and Fees | .160% | Minimum balance at all times is 1000.00 to earn dividend. MMA fees: $10.00 each time balance drops below $1,000.00; $15.00 when the number of withdraws exceeds 6 non-deposit transactions per month. |
NOTE: WE CONDITIONALLY MATCH RATES. SO BE SURE TO CALL THE CU BEFORE FINANCING ELSEWHERE.
Vehicle Loans
| Vehicle Loans, 2012 and Newer: | |
| Effective Date: Thursday, May 25th, 2017 | |
| Term | Rate |
| 36 Months | Rates as low as 2.50% |
| 37-60 Months | Rates as low as 3.24% |
| 61-84 Months | Rates as low as 3.49% |
| Vehicle Loans, 2009-2011 | |
| Term | Rate |
| Up to 60 Months | Rates as low as: 3.49% |
| Vehicle Loans, 2008 and Older | |
| Term | Rate |
| Up to 48 Months | Rates as low as: 4.49% |
Unsecured Loans
| Unsecured Term Loans | |
| Term | Rate |
| Up to 48 Months | Rates as low as 4.49% |
| Unsecured "Anytime" Lines of Credit Loans | |
| Term | Rate |
| Rates, variable | As low as 3.99% |
Visa Credit Cards:
Low, Low rates and balance transfer promotions with no transfer fees and with promotional rate effective until the entire transferred balance is paid in full. Call the Credit Union for details and disclosures. Share-Secured cards also available.
Excellent Rates and Options available on HOME EQUITY AND FIRST MORTGAGE LOANS. CALL THE CREDIT UNION FOR DETAILS AND INFORMATION FROM OUR registered mortgage loan officers.
CREDIT BUILDER LOANS AVAILABLE TO BUILD, OR RE-BUILD CREDIT. Call the Credit Union to inquire.
SHARE-SECURED LOANS AVAILABLE with rates as low as 2.025. Call the Credit Union to inquire.
FIRST TIME CAR LOANS AVAILABLE. Call the Credit Union to inquire.
*Rates are based on credit history.
NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government agency. Equal Housing Lender - We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act