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•    Membership
•    Accounts
•    Online, mobile, and telephone banking
•    Identity theft
•    Privacy


What is the difference between a bank and a credit union? 

A bank is owned by shareholders and is tasked with maximizing the shareholders’ investments. A credit union is a not-for-profit organization owned by its members. It exists to offer excellent service and affordable financial products to its membership.

How do credit unions operate?

Policies and procedures are set and monitored by the YSCU volunteer board of directors. Each credit union member has one vote and an equal voice in the selection of its directors. The board of directors, elected for three-year staggered terms, sets policies under which the credit union management carries out its duties.

What are the benefits of YS Federal Credit Union membership?

As a YSCU member, you have access to the full array of financial products and services that YSCU offers, as well as the YSCU Member Value Guarantee. This guarantee means that our members always receive the best local value on YSCU products and services, including the best local loan rates, the best checking account value and some of the best everyday savings and certificate rates in town—we guarantee it! Additionally, as partial owners of the credit union, members have the opportunity to vote for the YSCU board of directors. YSCU members receive the best in service and better rates on loans and deposits than traditional banks. 

How do I know if I’m eligible for YSCU membership?

YSCU membership is open to all persons and their immediate family members who meet one or both of the following criteria:

  • Live, work, worship, or attend school in Greene County, Ohio

  • Are an immediate family member of an existing YSCU member.

Please help us deliver the news to your friends and family. They can stop by our YSCU office to join and receive the same great service and benefits you receive!

How do I become a member?

Stop by our YSCU office to open a Share (Savings) account. The $5 minimum balance in your savings account establishes your membership and gives you access to all YSCU membership benefits. It also enables you to vote for our board of directors. Please bring a photo ID with you when you open your account. Learn more about becoming a member


How are my YSCU deposits insured?

Funds on deposits at YSCU are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per account through the National Credit Union Share Insurance Fund. The fund was created by Congress in 1970 to insure members' deposits in federally insured credit unions. Administered by the NCUA, the Share Insurance Fund insures individual accounts up to $250,000, and a member’s interest in all joint accounts combined is insured up to $250,000. The Share Insurance Fund separately protects IRA and KEOGH retirement accounts up to $250,000. The Share Insurance Fund has the backing of the full faith and credit of the United States. Credit union members have never lost even a penny of insured savings at a federally insured credit union.

Can I access my accounts without going to a YSCU branch office?

You bet! Our automated phone service, CU*Talk, is available 24 hours a day, 7 days a week, allowing you to transfer funds between accounts, make payments to your YSCU loan, check your account balances, review account history, and more! You may also sign up for It’sMe247 online banking and mobile banking to access your accounts free of charge. Lastly, we also offer mobile check deposit so you can deposit a check from anywhere you have internet access and your smart phone. Learn more.

How do I notify YSCU of a change of address?

There are several ways you can notify YSCU of an address change:
•    Update contact information through YSCU’s online banking platform.
•    Print a Change of Address form and mail it in.
•    Call Member Support at (937) 767-7377 and request a Change of Address form.
•    Visit the YSCU main office.

What is YS Federal Credit Union’s routing number?

If you have a checking account at YSCU, this number is located on the bottom of your check. YSCU’s routing number is 242279437. The routing number is also referred to as a routing and transit number.

How do I establish direct deposit?

To establish direct deposit, you must contact your employer for the appropriate forms. You will need to provide YSCU’s routing number, which is 242279437, and your account number. For more information, call YSCU at (937) 767-7377.

Online, Mobile, and Telephone Banking

How do I sign up for YSCU’s “It’sMe247” online banking?

To connect to It’sMe247:

  • Visit

  • Click the It’sMe247 online banking icon.

  • Enter your account number (or username, if you have created one) and click Submit.

  • Enter your password (temporary password provided to you by YSCU) and click Next. If you have logged in before, you will also need to answer one of your chosen security questions.

  • First-time users should follow the instructions on the screen to change their temporary password and set up their security questions and other settings.

  • When the It’sMe247 screen appears, you are in!

How do I access YSCU’s It’sMe247 mobile banking?

To log in to It’sMe247 mobile banking, type into your mobile phone browser and click the It’sMe247 icon. Your phone will automatically switch to the mobile version after a few seconds. App is available via the App store at no cost.

Need more help? Check out these It’sMe247 how-to videos. 

How do I access CU*Talk?

Step-by-step instructions make it easy to use CU*Talk:

  • Using your touch-tone phone, call: (800) 860-5704.

  • When asked for your credit union ID, enter 296.
  • You will be asked to enter your member number. Then press the # key. Next, you will be prompted to key in your PIN. Enter your PIN and press the # key. Be careful – if you enter your PIN incorrectly three times, your PIN will be disabled. You will then need to contact the credit union to reactivate it.
  • First-time users: Your PIN will be the last four digits of your Social Security number. For security purposes, you will be prompted to change your PIN after initial setup.
  • From this point on, the CU*Talk procedure will vary depending on the transactions you wish to complete. CU*Talk will guide you through each step.
  • Hint: This first set of options includes a brief tutorial (press 0) with tips and hints for using the system. From within this menu, if you have questions or need to speak with a YSCU representative, press 1 when prompted. You can press * to return to the main menu at any time. 
  • When you have finished your last transactions, simply hang up the phone.

Identity Theft

What should I do if I think I may be a victim of identity theft?

If you are a member of YS Federal Credit Union, you should contact us, and we will close affected accounts or place a notification on accounts that have not been directly affected. It is important that you notify all of your credit card issuers and other creditors. File a police report and keep copies of the report to prove that unauthorized charges do not belong to you.

The Federal Trade Commission has an ID theft affidavit, a form for victims to provide to creditors and credit-reporting agencies. It can be downloaded at or you can receive the form by mail after calling 1.877.IDTHEFT. Trained counselors are available to speak with you and assess your situation.

To further protect yourself, you should contact one of the three major credit-reporting agencies to place a message on your credit bureau report at no charge to you. Each fraud unit will share this information with the other two agencies. Here is the contact information for the three credit-reporting agencies:

P.O. Box 740241
Atlanta, GA 30374

P.O. Box 9530
Allen, TX 75013

Fraud Victim Assistance Division
P.O. Box 6790
Fullerton, CA 92634 

Note: Each month, we provide a statement of all account activity.  Please check the back of your statements for instructions to follow if you see a potential fraudulent transaction has occurred.


Does YSCU have a Privacy Policy?

Yes, we have a member Privacy Policy that regulates and protects all member data.
Privacy Policy Page