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YCS Credit Union

YOUNGSTOWN CITY SCHOOLS CREDIT UNION  

 ADDRESS

20 W. Wood Street
Suite 115
Youngstown, Ohio 44503

HOURS
Due to the Coronavirus crisis, no business will be conducted within the Credit Union office. Please enter at the front door on W. Wood St and come to the Credit Union office window. The office staff will meet you there.
****New office hours as follows:****

 

Due to COVID-19 the office will have adjusted hours.
We will be opened Monday, Tuesday, Thursday, and Friday from 9:00 a.m. to 3:00 p.m.  The office will be closed on Wednesdays due to building cleaning and sterilization.

SAVINGS RATES/LOAN RATES* 


Regular Share (Savings) Account .15% DIV/APY
(Minimum $5 to open)

Share Certificate (1 year term) .20% DIV/APY
(Minimum $1,500 to open)

Christmas Club Account .15% 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

 

New Vehicle 2.39% 72 Months

Used Vehicles 2.99% - 5.50%  up to 72 Months
(Rate and term are dependent upon age of vehicle)

Unsecured Line of Credit 11.00% 42 Months

Personal/Comaker 13.00% 60 Months

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

 

Updated:04/19/2021

Privacy Notice - Click Here

 

Contact
Phone: 330 744-5846

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Manager
Teresa Morella
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Assistant Manager
Lesley Lewis
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DIRECTORS
Ruth Fletcher
President

Hilda McKee
Vice President

Catherine Campana
Secretary

Gary Capone
Treasurer
 
                                                        Marva Stubbs
 George Phillips
John Grahovac
                                      
                                                               
CREDIT COMMITTEE
Reinaldo Rodriguez
Chairperson
 
Brian Rella
Carolyn Adderty
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