Y-12 Federal Credit Union


Overview / Commentary
865-482-1043
501 Lafayette Dr
Oak Ridge, TN 37830

Y-12 Federal Credit Union is headquartered in Oak Ridge and is the 6th largest credit union in the state of Tennessee. It is also the 232nd largest credit union in the nation. It was established in 1950 and as of March of 2025, it had grown to 356 employees and 117,866 members at 16 locations. Y-12 Federal Credit Union's money market rates are 9X the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Y-12 Federal Credit Union is open to those who live, work, worship, or attend school in the Tennessee counties of Anderson, Blount, Campbell, Knox, Loudon, Roane, Sevier, or Union.
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Health
A+

Health Grade Components

Overall
NCUA #6775
Year Chartered1950
Employees356
Primary Regulator
Profit Margin
Return on Assets - YTD1.07%
Return on Equity - YTD9.77%
Annual Interest Income$28.9MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$2.21B$1.95B
LoansQ1 2025vs Q1 2024$1.76B$1.64B
DepositsQ1 2025vs Q1 2024$1.78B$1.66B
Equity CapitalQ1 2025vs Q1 2024$239.7MM$210.6MM
Loan Loss AllowanceQ1 2025vs Q1 2024$17MM$16.2MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$4.8MM$2.9MM
Real Estate OwnedQ1 2025vs Q1 2024$89K$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Y-12 Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Y-12 Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$0$5kJump Start Savings
0.10%$0-Health Savings Club
0.10%$0-Education IRA Club
0.05%$0-Christmas Club
0.05%$0-Vacation Club
0.05%$1-Primary Business Share
0.05%$0-Secondary Business Share
0.05%$1-Primary Share

Y-12 Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$25k-High Yield Money Market
3.50%*$250k*-Business High Yield Relationship Money Market
OTHER TIERS: 1.00% $0 - $50k | 2.00% $50k - $100k | 2.75% $100k - $250k
1.00%*$250k*-Business High Yield Money Market
OTHER TIERS: 0.25% $0 - $50k | 0.50% $50k - $100k | 0.75% $100k - $250k
1.00%*$250k*-Money Market Plus
OTHER TIERS: 0.75% $50k - $250k
0.30%*$100k*-Money Market
OTHER TIERS: 0.15% $2.5k - $25k | 0.20% $25k - $75k | 0.25% $75k - $100k

Y-12 Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.50%*$0$15kHigh Yield Checking
OTHER TIERS: 0.05% $15k+
0.10%*$5k*-Advantage Business Checking
OTHER TIERS: 0.03% $1.5k - $5k
0.10%*$5k*-Premier Business Checking
OTHER TIERS: 0.05% $0 - $5k
0.05%$0-Everyday Checking Account

Y-12 Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$500-6 Month CD Special
4.00%$500-12 Month CD Special
4.00%$500-9 Month CD Special
3.25%$500$100k18 Month CD
3.25%$100k-18 Month Jumbo CD
3.25%$500-Business 18 Month CD
2.75%$500$100k24 Month CD
2.75%$500-Business 24 Month CD
2.75%$100k-24 Month Jumbo CD
0.55%$500$100k12 Month CD
0.55%$500-Business 12 Month CD
0.55%$100k-12 Month Jumbo CD
0.40%$500$100k6 Month CD
0.40%$500-Business 6 Month CD
0.40%$100k-6 Month Jumbo CD
0.40%$100k-19 Month Jumbo CD
0.35%*$50k*$100k19 Month CD
OTHER TIERS: 0.25% $500 - $10k | 0.30% $10k - $50k
0.25%*$100k*-Business 13 Month CD
OTHER TIERS: 0.10% $500 - $10k | 0.15% $10k - $50k | 0.20% $50k - $100k
0.25%$100k-13 Month Jumbo CD
0.20%*$50k*$100k13 Month CD
OTHER TIERS: 0.10% $500 - $10k | 0.15% $10k - $50k
0.05%$500-Business 3 Month CD

Y-12 Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.25%$500$100k18 Month IRA
3.25%$100k-18 Month Jumbo IRA
3.25%$100k-18 Month Jumbo Roth IRA
3.25%$500$100k18 Month Roth IRA
2.75%$500$100k24 Month IRA
2.75%$500$100k24 Month Roth IRA
2.75%$500$100k24 Month CESA
2.75%$100k-24 Month Jumbo IRA
2.75%$100k-24 Month Jumbo Roth IRA
2.75%$100k-24 Month Jumbo CESA
0.55%$500$100k12 Month IRA
0.55%$500$100k12 Month Roth IRA
0.55%$500$100k12 Month CESA
0.55%$100k-12 Month Jumbo IRA
0.55%$100k-12 Month Jumbo Roth IRA
0.55%$100k-12 Month Jumbo CESA
0.40%$500$100k6 Month IRA
0.40%$500$100k6 Month Roth IRA
0.40%$500$100k6 Month CESA
0.40%$100k-6 Month Jumbo IRA
0.40%$100k-6 Month Jumbo Roth IRA
0.40%$100k-6 Month Jumbo CESA
0.40%$100k-19 Month Jumbo IRA
0.40%$100k-19 Month Jumbo Roth IRA
0.35%*$50k*$100k19 Month IRA
OTHER TIERS: 0.25% $500 - $10k | 0.30% $10k - $50k
0.35%*$50k*$100k19 Month Roth IRA
OTHER TIERS: 0.25% $500 - $10k | 0.30% $10k - $50k
0.25%$100k-13 Month Jumbo IRA
0.25%$100k-13 Month Jumbo Roth IRA
0.25%$100k-13 Month Jumbo CESA
0.20%*$50k*$100k13 Month IRA
OTHER TIERS: 0.10% $500 - $10k | 0.15% $10k - $50k
0.20%*$50k*$100k13 Month Roth IRA
OTHER TIERS: 0.10% $500 - $10k | 0.15% $10k - $50k
0.20%*$50k*$100k13 Month CESA
OTHER TIERS: 0.10% $500 - $10k | 0.15% $10k - $50k
0.10%$0-Traditional IRA Club
0.10%$0-Roth IRA Club
Locations

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