Yellow Springs, OH 45387
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Notable Rates APY Vs.Others
Savings N.A. 1.40% →
1-Year CD N.A. 1.15% →
2-Year CD N.A. 1.26% →
5-Year CD N.A. 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Credit Union Information

Ys is an NCUA insured institution located in Yellow Springs, OH. It was founded in 1948 and has approximately $21.08 millions in assets.

NCUA Insured Yes
Charter Number # # 5732
Date Established 1948
Assets $21.08 million
Loans $9.79 million
Deposits $18.92 million
Capital $2.03 million

Deposit Rates - July 13, 2020

Your Current Location: Virginia, VA 20146

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Loan Rates - July 13, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for YS

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
2.950% 2.875% 1.00 $2,438 $1,038 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info

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Financial Details

Ys Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Ys. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Ys U.S. Average
0.49% 6.71

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 30, 2020, Ys had $9,974 in non-current loans and $0 in owned assets. To cover these potential losses it had $2,029,254 in net worth and $23,841 in loans loss reserves. That gives it a Texas Ratio of 0.49%.

Net Worth
Ys U.S. Average
9.62% 13.61%

Ys FCU has a net worth of 9.62% versus the BestCashCow average of 13.61. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Ys

Branches and Savings

What is Ys?

A federal credit union, registered with the NCUA under certificate #5732.
Learn more about credit unions here.

Is Ys FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Ys?

Please see Field of Membership information above for information on who is eligible to join.

What are Ys's share account and share certificate rates?

Ys's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Ys?

Ys has total capital of $2.03 million. Full information on Ys's financial position is located above.

Who owns Ys?

Credit Unions are owned by their members.

Where are Ys branches located?

See branch locations nearby.

Are Ys ATMs Open 24/7?

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Can Ys customers use other ATMs? What is the charge for withdrawing money from another ATM?

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Does Ys use Equifax?

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What Products Does Ys Offer

Does Ys offer mortgages?

Compare mortgage rates here.

Does Ys offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Ys offer auto and RV loans?

Compare auto loan rates here.

Does Ys offer student loans or personal loans?

Compare personal loan rates here.

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