Products & Services

Share Accounts

YS Federal Credit Union offers several savings plans to assist you, your family and community to grow.  

  • Share Accounts - Your initial $5.00 membership deposit is the first step to a lifetime relationship with your credit union.  We offer Regular Share, Juvenile Regular Share and Special Share Accounts.
  • Share Certificates - With a minimum deposit of $500.00*, this account offers savers a higher rate on their funds.  We offer terms of 3, 6, 12, 24 and 36 months and competitive rates.
  • Money Market Accounts - Earn higher dividend than regular share accounts, and have access to withdraw your funds up to 6 times per month (minimum balance requirement exists. Contact YSCU for information).

*There are times when YSCU will offer special rates for larger deposit amounts.

Checking Accounts

YSCU offers the convenient services associated with checking accounts at a low cost to our members.   A few of our Share Draft features are:

  • No Monthly Service Fees
  • Free on-line account access
  • ATM and/or MasterMoney Debit Card Access
  • Nominal check printing costs
  • Overdraft Protection

Small Business Accounts

Call or stop in for more information.

Reorder checks online!

Click on the Liberty link below to order your next box of checks.



We have two great VISA card programs for our eligible members with exceptional fixed rates.  Visa Classic or Visa Platinum. Stop in for an application or call and we´ll mail you one!

Verified by VISA

Visa has recently developed security procedures that are intended to verify a cardholder's identity for Internet purchases. This program is designed to protect members when making online purchases as well as reduce identity theft. 

Visa VerifiedVerified Visa
How does it work? Simply click on the icon above to enroll. Then, when making an online purchase with a participating online merchant, you will validate your identity by entering your password (selected by you) in a special "Verified by VISA" window. 

MasterMoney Debit Card

Your MasterMoney Debit Card will give you a faster and more convenient way to use your Share Draft account without writing a check.  You can use your debit card anywhere MasterCard is accepted.  It also performs all the functions of an ATM Card. SURCHARGE FREE ATM LOCATOR

Loan Products

YSCU offers our members a wide variety of loan products.  We have terrific rates and repayment terms that work with your budget needs.  

  • New and Used Autos
  • Home Equity Line-of-Credit Loans
  • Fixed Rate Second Mortgages
  • First Mortgages
  • Share Secured Loans/Certificate Secured Loans
  • Signature Loans
  • Line of Credit
  • Student Loans
  • VISA Classic and VISA Platinum

Insurance Products

TruStage: Insurance the credit union way.

Insurance protection is part of a solid financial plan. From getting a good rate on coverage for your car to making sure your life insurance is adequate, dependable insurance coverage ensures financial relief when you need it. And along the way, you’ll take comfort in knowing you’re protected.

TruStage insurance products and programs help members protect what matters most. Backed by more than 80 years of working in partnership with credit unions and their members, you’ll find products and programs for life, car, accidental death and dismemberment, and home and more. And they’re only available to credit union members like you.

Welcome to TruStage and insurance the credit union way. To learn more, get quotes or just explore, visit

To opt out of receiving information about TruStage, please contact the Credit Union.


Telephone Teller

New Telephone Teller – Welcome to CUTalk Telephone Banking

1. Call:  (800) 860-5704 ( The CU Talk Telephone banking system can only be accessed by calling the new toll-free number listed.)

When asked for your Credit Union ID, enter 296


Other Services Available 

When you join us at YS Federal Credit Union, your membership allows you to take advantage of the following services:

  • All Purpose Loans
  • Shared Branching
  • Many Savings Options
  • ATM and Debit Card Access
  • ATM Machine On-site
  • Direct Deposit
  • Money Orders
  • Notary Service
  • Credit Disability and Credit Life Insurance
  • Wire Transfers
  • Automated Loan Payments
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