Share Certificates


Great rates! Why wait?

Take advantage of these limited time offers! 


9-Month 
Special Offer1 

5.25% APY




Minimum Balance
$10,000

$10,000 of Opening Deposit
100% 
New Money
Open Now



12-Month 
Special Offer2 

4.50% APY




Minimum Balance
$500

Opening Deposit
100% 
New Money
Open Now



12-Month 
Special Offer3 

4.00% APY




Minimum Balance
$500

Opening Deposit
50% 
New Money
Open Now



6-Month 
Special Offer4 

3.00% APY




Minimum Balance
$500

Opening Deposit
50% 
New Money
Open Now


Not one penny of insured savings has ever been lost by a member of a federally insured credit union.

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1. Minimum balance to receive advertised rate is $10,000. Rates accurate as of 01/26/2024 and require $10,000 in new money not transferred from an existing Y-12 FCU account. APY is Annual Percentage Yield. Rates subject to change without notice. Penalties apply for early withdrawal. At maturity, accounts automatically renew at current rate unless changes are made during 7-day grace period. Federally insured by NCUA
2. Minimum balance to receive advertised rate is $500. Rates accurate as of 11/17/2022 and require new money not transferred from an existing Y-12 FCU account. APY is Annual Percentage Yield. Penalties may apply for early withdrawal.  At maturity, accounts automatically renew at current rate unless changes are made during 7-day grace period. This offer is for a limited time only and can be withdrawn at any time. Federally insured by NCUA
3. Minimum balance to receive advertised rate is $500. Requires 50% of opening deposit to be new money, not transferred from an existing Y-12 FCU account. Rates accurate as of 11/17/2022. APY is Annual Percentage Yield.  Qualifying share certificate for Loyalty Rewards redemption: Requires a $5,000 minimum opening balance and a minimum one-year term. At maturity, accounts automatically renew at current rate unless changes are made during 7-day grace period. Penalties apply for early withdrawal. This offer is for a limited time only and can be withdrawn at any time. Federally insured by NCUA.
4. Minimum balance to receive advertised rate is $500. Requires 50% of opening deposit to be new money, not transferred from an existing Y-12 FCU account.  Rates accurate as of 11/17/2022. APY is Annual Percentage Yield. At maturity, accounts automatically renew at current rate unless changes are made during 7-day grace period. Penalties apply for early withdrawal. This offer is for a limited time only and can be withdrawn at any time. Federally insured by NCUA