Thank you for your patience the past few weeks as short staffing has caused us to make changes to our lobby hours. And this week, half of the staff we have is off due to health issues. We apologize for the inconvenience, and are taking steps to hire qualified candidates to resume the level of service members deserve and have been accustomed to. The country's labor market makes this difficult as we are sure all of you are experiencing other small, and large businesses in similar situations. We assure you the credit union is safe, sound, and financially solid. There is no truth to comments on social media and from folks spreading rumors of the CU being insolvent or going "under". Quite the opposite as we prepare for some exciting strategic plans for 2023 and beyond. The auditors and examiners recently completed our 12-31-22 audit and exam, and reported solid results for our credit union. Feel free to contact me if you have further questions. Again, thank you for your patience.
Sandy Hollenberg, CEO.
Current Lobby Hours are M-F 10am through 4pm.
YS FCU Rates


Home > Rates


Deposit Rates

Savings and Checking Rates
Effective Date: Friday, June 9th, 2023
NameDividend RateAPYCompounding
Savings 0.01% 0.010% Quarterly
Checking 0.00% 0.000% Quarterly

Share Certificate Rates
CD03 0.02% 0.020%
CD06 0.02% 0.020%
CD09 0.03% 0.030%
CD12 0.03% 0.030%
CD18 3.00% 3.000%
CD24 0.06% 0.060%
CD36 0.07% 0.070%
*Rates subject to change at any time. Please call YSCU for rate confirmation.

Regular Share/Dividend Rate/Yield
Regular Share/Dividend Rate/Yield .01%

Money Market Rate/Yield and Fees
Money Market Rate/Yield and Fees .08% 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.



** These are standard posted rates. Please contact
YSCU for potential competitive rate matching.callout

Loan Products

Vehicle Loans, 2018 and Newer
36 Months Rates as low as 5.24%
37-60 Months Rates as low as 5.74%
61-72 Months Rates as low as 6.24%
73-84 Months Rates as low as 6.74%

Vehicle Loans, 2015-2017
Up to 60 Months Rates as low as: 6.74%

Vehicle Loans, 2014 and Older
Up to 48 Months Rates as low as: 7.24%

Unsecured Term Loans
Rates, fixed As low as 8.24%

Lines of Credit
VISA As low as 7.99%
Home Equity LOC* As low as 3.99%
*Subject to Appraisal
AnyTime Lines of Credit As low as 3.99%

Share Secured Loans
Regular Share/Subs As low as 5.26%

HEQ fixed
Fixed As low as 6.24%

Contact our YSCU team to check daily rates.
CLICK HERE for mortgage rates or to apply for a first mortgage purchase or refinance loan. 


*Annual Percentage Rate (APR) subject to change at any time. Speak with a YSCU associate for details.
**Annual Percentage Rate (APR) for terms up to 60 months for members who qualify. Other rates are available for terms up to 180 months; ask a YS Federal Credit Union associate for details.
***Annual Percentage Rate (APR) valid on signature loans will be the standard published rate and may vary depending on each individual’s credit history, term chosen and underwriting factors. Loans will be approved up to current loan limits and under normal underwriting conditions. Offer excludes credit cards, first mortgages, automobile loans, motorcycle loans and any other loan not listed above. Offer is valid only on new loans to YSCU. Offer cannot be used to refinance an existing YSCU loan.