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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 245th largest credit union in the nation. It was established in 1950 and as of June of 2023, it had grown to 357 employees and 110,807 members at 16 locations. Y-12 Federal Credit Union's CD rates are 5X the national average, and it has 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.
See current membership details

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Reviews (3)

Great Local Bank

Posted by: |

I love this bank. This is by far one of the best banks I have ever done business with. When I went in to open new checking account, I was just assuming same old same old service as banks come. Sat down with a lady that was very friendly and helpful with getting the process started. I had a new account opened and was out of there within twenty minutes. I have since downloaded the banks mobile banking app. I really enjoy all the great features on the app. Actually since downloading the app, I haven't even had to step foot in the bank. I can mobile snap a picture of all my work or personal checks that need to be deposited into my account. I have even opened a vacation club by chatting with a bank teller through their available chat. I can transfer money from one account to another with a simple click of a button. I plan on getting a mortgage with them within the next 4 years. So if your looking for a great, friendly bank with excellent service, I highly recommend the Y-12 Federal Credit Union. I promise you won't be disappointed with any of their service. I recommend this to all my family and friends.

2

local credit union.

Posted by: |

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

4

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

Posted by: |

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.

9


Health
A

Data as of Q2 2023

Learn why bank health matters

Health Grade Components

Overall
NCUA #6775
Year Chartered1950
Employees357
Primary Regulator
Profit Margin
Return on Assets - YTD1.32%
Return on Equity - YTD13.3%
Annual Interest Income$40.8MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$1.92B$1.69B
LoansQ2 2023vs Q2 2022$1.62B$1.38B
DepositsQ2 2023vs Q2 2022$1.54B$1.46B
Equity CapitalQ2 2023vs Q2 2022$189.7MM$172.6MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$8.4MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$7.2MM$1.8MM
Real Estate OwnedQ2 2023vs Q2 2022$0$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%-$5kJump Start Savings
0.10%--Health Savings Club
0.10%--Traditional IRA Club
0.10%--Roth IRA Club
0.10%--Education IRA Club
0.05%--Christmas Club
0.05%--Vacation Club
0.05%$1-Primary Business Share
0.05%--Secondary Business Share
0.05%$1-Primary Share

Y-12 Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$250k*-High Yield Money Market
OTHER TIERS: 0.75% → $50k - $250k
1.00%*$250k*-Business High Yield Money Market
OTHER TIERS: 0.75% → $50k - $250k
0.35%*$100k*-Business Money Market
OTHER TIERS: 0.20% → $2.5k - $25k | 0.25% → $25k - $75k | 0.30% → $75k - $100k
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%*-$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% → Up to $5k
0.05%--Everyday Checking Account

Y-12 Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.20%$500-9 Month CD Special w/ 100 % New Money
4.50%$500-12 Month CD Special w/ 100 % New Money
3.00%$500-6 Month CD Special w/ 50 % New Money
1.20%$500$100k18 Month CD
1.20%$100k-18 Month Jumbo CD
1.20%$500-Business 18 Month CD
1.10%$500$100k60 Month CD
1.10%$100k-60 Month Jumbo CD
0.75%$500$100k24 Month CD
0.75%$500-Business 24 Month CD
0.75%$100k-24 Month Jumbo CD
0.55%$500$100k12 Month CD
0.55%$500$100k36 Month CD
0.55%$500-Business 12 Month CD
0.55%$500-Business 36 Month CD
0.55%$100k-12 Month Jumbo CD
0.55%$100k-36 Month Jumbo CD
0.40%$500$100k6 Month CD
0.40%$500-Business 6 Month CD
0.40%*$100k*-Business 25 Month CD
OTHER TIERS: 0.30% → $10k - $50k | 0.35% → $50k - $100k
0.40%$100k-6 Month Jumbo CD
0.40%$100k-19 Month Jumbo CD
0.40%$100k-25 Month Jumbo CD
0.35%*$50k*$100k25 Month CD
OTHER TIERS: 0.30% → $10k - $50k
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
1.20%$500$100k18 Month IRA
1.20%$100k-18 Month Jumbo IRA
1.20%$100k-18 Month Jumbo Roth IRA
1.20%$500$100k18 Month Roth IRA
1.10%$500$100k60 Month IRA
1.10%$500$100k60 Month Roth IRA
1.10%$100k-60 Month Jumbo IRA
1.10%$100k-60 Month Jumbo Roth IRA
0.75%$500$100k24 Month IRA
0.75%$500$100k24 Month Roth IRA
0.75%$500$100k24 Month CESA
0.75%$100k-24 Month Jumbo IRA
0.75%$100k-24 Month Jumbo Roth IRA
0.75%$100k-24 Month Jumbo CESA
0.55%$500$100k12 Month IRA
0.55%$500$100k36 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-36 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-25 Month Jumbo IRA
0.40%$100k-6 Month Jumbo Roth IRA
0.40%$100k-25 Month Jumbo Roth IRA
0.40%$100k-6 Month Jumbo CESA
0.40%$100k-25 Month Jumbo CESA
0.40%$100k-19 Month Jumbo IRA
0.40%$100k-19 Month Jumbo Roth IRA
0.35%*$50k*$100k25 Month IRA
OTHER TIERS: 0.30% → $10k - $50k
0.35%*$50k*$100k25 Month Roth IRA
OTHER TIERS: 0.30% → $10k - $50k
0.35%*$50k*$100k25 Month CESA
OTHER TIERS: 0.30% → $10k - $50k
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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