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.
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.
See current membership details
Overall | |
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NCUA # | 6775 |
Year Chartered | 1950 |
Employees | 356 |
Primary Regulator |
Profit Margin | |
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Return on Assets - YTD | 1.07% |
Return on Equity - YTD | 9.77% |
Annual Interest Income | $28.9MM |
Assets and Liabilities | ||
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Assets | Q1 2025vs Q1 2024 | $2.21B$1.95B |
Loans | Q1 2025vs Q1 2024 | $1.76B$1.64B |
Deposits | Q1 2025vs Q1 2024 | $1.78B$1.66B |
Equity Capital | Q1 2025vs Q1 2024 | $239.7MM$210.6MM |
Loan Loss Allowance | Q1 2025vs Q1 2024 | $17MM$16.2MM |
Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $4.8MM$2.9MM |
Real Estate Owned | Q1 2025vs Q1 2024 | $89K$0 |
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.