YCS Credit Union

YOUNGSTOWN CITY SCHOOLS CREDIT UNION  

ADDRESS

20 W. Wood Street
Suite 115
Youngstown, Ohio 44503

HOURS
****New office hours as follows:****
Office hours:
Monday thru Friday
9:00 am to 3:00 pm

CONTACT

Phone: 330-744-5846

Manager

Teresa Morella

Assistant Manager

Lesley Lewis

Directors

Ruth Fletcher, President

Hilda McKee, Vice President

Catherine Campana, Secretary

Gary Capone, Treasurer

Marva Stubbs

George Phillips

John Grahovac


Credit Committee

Carolyn Adderty

Chairperson

Beth LaBerto

Katherine Paull

SAVINGS RATES/LOAN RATES* 
Regular Share (Savings) Account .05% DIV/APY
(Minimum $5 to open)

Share Certificate (1 year term) 1.00% DIV/APY
(Minimum $1,500 to open)

Christmas Club Account .05% DIV/APY
(No minimum beginning balance)

Accounts in this Credit Union are insured up to $250,000 by American Share Insurance (ASI) - a Credit Union share guaranty corporation. This institution is not federally insured. Members' accounts are not insured or guaranteed by any government or government-sponsored agency.  

Each account must have $100 balance to earn dividends.

*Members forfeit dividends if they close an account before accrued dividends are paid. Fees may reduce earnings. There is a 90-day interest penalty for early withdrawal of a share certificate.



TYPE A.P.R. MAX. TERM

Rates are based on individual credit scores.

New Vehicle 3.15% up to 5.15% 72 Months

Used Vehicles 3.75%  up to 8.25% 72 Months
(Rate and term are dependent upon age of vehicle)

Unsecured Line of Credit 11.00% 42 Months

Personal/Comaker 13.00% up to 14% 60 Months

Share Secured 3.00% 60 Months
(Share secured loans over $10,000 can be granted for up to 120 months)

 

Updated:09/22/22

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