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Overview / Commentary
501 Lafayette Dr
Oak Ridge, TN 37830-7909

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 262nd largest credit union in the nation. It was established in 1950 and as of September of 2016, it had grown to 238 employees and 110,538 members at 14 locations. Y-12 Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership in Y-12 Federal Credit Union is open to those who lives, works, worships, or attends school in Anderson, Loudon, Blount, Roane, Campbell, Sevier, Knox or Union counties in Tennessee.
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Reviews (2)

local credit union.

Posted by: DavidSmith | Jun 1, 2014

In my expierence working with this credit union was a postive venture. I am very happy with their services and opportunities as well. Customer services was very adequate, if I had questions they are able to answer quickly and reasonably. They have competitive rates, and they are willing to help out the "small" folks as well, not just the large corporations. Very good company overall

I Would Not Suggest Y-12 As A Good Bank.

Posted by: ShannonS | Jun 21, 2016

Y-12 has got to be the worst bank I have done business with from the lack of ways to deposit money into my banking account, not enough partnering banks to take care of my banking when I am away from the Knoxville, TN area, and by far the worst customer service I have ever received. The last time I called in the representative kept cutting me off in the middle of sentences and didn't listen to the issues with my bank account at all. I will be closing my account with this bank. I would not suggest Y-12 as a good bank.


Health Grade Components

NCUA #6775
Year Chartered1950
Primary Regulator
Profit Margin
Return on Assets - YTD1.04%
Return on Equity - YTD13.48%
Annual Interest Income$25.5MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$1.05B$873.0MM
LoansQ3 2016vs Q3 2015$887.6MM$729.7MM
DepositsQ3 2016vs Q3 2015$845.1MM$729.1MM
Equity CapitalQ3 2016vs Q3 2015$80.2MM$72.3MM
Loan Loss AllowanceQ3 2016vs Q3 2015$4.0MM$2.4MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$3.8MM$2.1MM
Real Estate OwnedQ3 2016vs Q3 2015$2.0MM$796.00K

Rates for Y-12 Federal Credit Union are currently being reviewed.


Y-12 Federal Credit Union has 14 locations. Click to view all Y-12 Federal Credit Union locations.