PHYSICAL ADDRESS20 W. Wood Street
Youngstown, Ohio 44503
P.O. Box 550
Youngstown, Ohio 44501-0550
M W F 9:30 a.m. – 4:30 p.m. (lunch 12:30 – 1:30)
Tues and Thurs 1:30 p.m. to 4:30 p.m. NOTE: When school is not in session – office closes at 4:00 p.m.
SAVINGS RATES/LOAN RATES*
Regular Share (Savings) Account .15% DIV/APY
(Minimum $5 to open)
Share Certificate (1 year term) .20% DIV/APY
(Minimum $2,500 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 2.29% 72 Months
Used Vehicles 2.49% - 6.00% 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)