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YS FCU Savings Invest

Share Certificates

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Share Certificates

Share certificates of deposit are often an important piece of a sound savings strategy. Certificates require funds to remain in the account for a period of time and, in return, pay a higher dividend rate than other savings accounts. For more accessible savings, with competitive rates, consider the YSCU money market account.

Share Certificate of Deposit

YSCU share certificates of deposit pay higher dividend rates as invested funds remain on deposit for a fixed period of time.

  • Minimum balance: $500
  • Dividends*: Calculated daily, paid quarterly
  • Available terms: 3 to 60 months


Certificates Special

  • APY: 6.5%
  • Minimum balance: $500
  • Maximum balance: $200,000
  • Available terms: 6 months
Fall Certificate
All YSCU share accounts are insured up to $250,000 per account by the NCUA.