YCS Credit Union
YOUNGSTOWN CITY SCHOOLS CREDIT UNION
20 W. Wood Street
Youngstown, Ohio 44503
****New office hours as follows:****
Monday thru Friday
9:00 am to 3:00 pm
Ruth Fletcher, President
Hilda McKee, Vice President
Catherine Campana, Secretary
Gary Capone, Treasurer
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)