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Y-12 Federal Credit Union


Overview / Commentary
www.y12fcu.org
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 253rd largest credit union in the nation. It was established in 1950 and as of March of 2024, it had grown to 349 employees and 112,625 members at 16 locations. Y-12 Federal Credit Union's money market rates are 10X 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+

Data as of Q1 2024

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Health Grade Components

Overall
NCUA #6775
Year Chartered1950
Employees349
Primary Regulator
Profit Margin
Return on Assets - YTD1.25%
Return on Equity - YTD11.58%
Annual Interest Income$24.7MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$1.95B$1.9B
LoansQ1 2024vs Q1 2023$1.64B$1.59B
DepositsQ1 2024vs Q1 2023$1.66B$1.54B
Equity CapitalQ1 2024vs Q1 2023$210.6MM$183.3MM
Loan Loss AllowanceQ1 2024vs Q1 2023$16.2MM$14.6MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$2.9MM$6.6MM
Real Estate OwnedQ1 2024vs Q1 2023$0$0
Rates
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* 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-Traditional IRA Club
0.10%$0-Roth IRA 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
4.50%$25k-High Yield Money Market
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
4.00%*$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
5.00%$500-9 Month CD Special w/ 100 % New Money
4.50%$500-12 Month CD Special w/ 50 % New Money
4.00%$500-12 Month CD Special w/ 100 % New Money
3.25%$500$100k18 Month CD
3.25%$100k-18 Month Jumbo CD
3.25%$500-Business 18 Month CD
3.00%$500-6 Month CD Special w/ 50 % New Money
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
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