Savings Accounts
POPULAR SAVINGS ACCOUNTS
A savings solution for every stage of life.
We get it. You want a savings account that works as hard as you do.
FOR GROWTH
Share Certificates
With special rate offers and secure growth, supercharge your earnings. Talk about a smart spot to park some money.
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FOR EASY ACCESS
High Yield Money Market
Earn a higher rate on your savings while having flexibility to withdraw funds when you need them.
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FOR KIDS & TEENS
Jump Start Savings
Members ages 0-17 years old earn 2.00% APY1 on the first $5,000 with no monthly service fees.
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MORE SAVINGS ACCOUNTS
Explore more ways to earn.
- Set up direct deposit and get your paycheck up to two days early.*
*With Early Pay, we may make incoming electronic direct deposits made through the Automated Clearing House (ACH) available for use up to two days before the scheduled payment date. Not all direct deposits are eligible for Early Pay. Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Whether we make funds available early depends on when we receive the payor’s payment instructions, any limitations we set on the amount of early availability, and standard fraud prevention screening. Available for personal accounts only. Eligible direct deposits are limited to electronic direct deposits of items such as your payroll, pension, and government benefit payments made through the Automated Clearing House (ACH) to your personal account. Other deposits or credits to your account, such as deposits of funds from person-to-person payment services (e.g., Zelle®, Venmo, or PayPal transfers), FedNow, Real-Time Payments (RTP), check or mobile deposits, and other online transfers or electronic credits are not eligible for Early Pay.
- From one-on-one coaching to webinars, you'll be equipped with money tips, tricks, and tools.
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- ClickSWITCH will quickly and securely move direct deposits and recurring payments to your Y-12 Credit Union account.
- Securely transfer recurring payments such as utilities, car payments, mortgage payments, and credit card payments.
- Transfer direct deposits from your employer.
- Notify auto-debit payees of your new account information.
- Allow closing of your prior account
- Receive real-time switch confirmation.
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- Enjoy easy access to our 20,000+ fee-free ATM network.
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- Access your accounts anytime, anywhere with our Digital Banking app.
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RESOURCES
Need additional help?
1. APY is Annual Percentage Yield. A Jump Start Savings account is for ages 0 to 17 only. The child must be accompanied by a parent or legal guardian to open an account who will sign as a joint-account owner. The account balance will be automatically transferred to a Young Adult Savings account when the member reaches age 24. A Jump Start Savings account 2.00% APY is for the first $5,000. A balance of $5,000.01 and more earns the regular share savings rate of 0.05% APY. Dividends calculated daily, compounded/posted quarterly. Rates effective as of 04/28/2025. Rates subject to change. Third party data or messaging rates may apply.
