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Overview / Commentary
865-482-1043
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 June of 2016, it had grown to 235 employees and 107,347 members at 14 locations. Y-12 Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who lives, works, worships, or attends school in Anderson, Loudon, Blount, Roane, Campbell, Sevier, Knox or Union counties in Tennessee.
See current membership details

Related Posts

Y-12 FCU (TN) Has Very Competitive 65-Day Share Certificate - 11/2/2015

Y-12 Federal Credit Union (TN) has a new 65-day Share Certificate (2.00% APY). The minimum deposit is $500, with no balance cap. Also available as an IRA at the same APY.

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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
B+

Health Grade Components

Overall
NCUA #6775
Year Chartered1950
Employees235
Primary Regulator
Profit Margin
Return on Assets - YTD1.08%
Return on Equity - YTD13.81%
Annual Interest Income$16.4MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$1.02B$837.8MM
LoansQ2 2016vs Q2 2015$867.0MM$719.0MM
DepositsQ2 2016vs Q2 2015$820.4MM$703.0MM
Equity CapitalQ2 2016vs Q2 2015$77.9MM$69.4MM
Loan Loss AllowanceQ2 2016vs Q2 2015$3.3MM$2.4MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$3.1MM$1.2MM
Real Estate OwnedQ2 2016vs Q2 2015$2.5MM$700.00K
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
0.10%--Health Savings Club
0.10%--Traditional IRA Club
0.10%--Roth IRA Club
0.10%--Education IRA Club
0.10%--Health Savings Checking
0.05%--Christmas Club
0.05%--Vacation Club
0.05%--Insurance Club
0.05%--Primary Business Share
0.05%--Secondary Business Share
0.05%--Regular Share

Y-12 Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%*$100k*-Business Money Market
OTHER TIERS: 0.20% $2,500 - $25k | 0.25% $25k - $75k | 0.30% $75k - $100k
0.30%*$100k*-Money Market
OTHER TIERS: 0.15% $2,500 - $25k | 0.20% $25k - $75k | 0.25% $75k - $100k

Y-12 Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.65%$500$15kHigh Yield Checking
0.10%*$5k*-Premier
OTHER TIERS: 0.03% Up to $5k
0.10%*$5k*-Classic 55
OTHER TIERS: 0.03% $1k - $5k

Y-12 Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$100k-60 Month Jumbo CD
1.20%*$50k*$100k60 Month CD
OTHER TIERS: 1.10% $500 - $10k | 1.15% $10k - $50k
1.05%*$100k*-Business 36 Month CD
OTHER TIERS: 0.90% $500 - $10k | 0.95% $10k - $50k | 1.00% $50k - $100k
1.05%$100k-36 Month Jumbo CD
1.00%*$50k*$100k36 Month CD
OTHER TIERS: 0.90% $500 - $10k | 0.95% $10k - $50k
1.00%*$100k*-Business 24 Month CD
OTHER TIERS: 0.85% $500 - $10k | 0.90% $10k - $50k | 0.95% $50k - $100k
1.00%$100k-24 Month Jumbo CD
0.95%*$50k*$100k24 Month CD
OTHER TIERS: 0.85% $500 - $10k | 0.90% $10k - $50k
0.90%$100k-19 Month Jumbo CD
0.85%*$50k*$100k19 Month CD
OTHER TIERS: 0.75% $500 - $10k | 0.80% $10k - $50k
0.80%*$100k*-Business 25 Month CD
OTHER TIERS: 0.70% $10k - $50k | 0.75% $50k - $100k
0.80%$100k-25 Month Jumbo CD
0.75%*$50k*$100k25 Month CD
OTHER TIERS: 0.70% $10k - $50k
0.70%*$100k*-Business 12 Month CD
OTHER TIERS: 0.55% $500 - $10k | 0.60% $10k - $50k | 0.65% $50k - $100k
0.70%$100k-12 Month Jumbo CD
0.65%*$50k*$100k12 Month CD
OTHER TIERS: 0.55% $500 - $10k | 0.60% $10k - $50k
0.55%*$100k*-Business 13 Month CD
OTHER TIERS: 0.40% $500 - $10k | 0.45% $10k - $50k | 0.50% $50k - $100k
0.55%$100k-13 Month Jumbo CD
0.50%*$50k*$100k13 Month CD
OTHER TIERS: 0.40% $500 - $10k | 0.45% $10k - $50k
0.30%*$100k*-Business 6 Month CD
OTHER TIERS: 0.15% $500 - $10k | 0.20% $10k - $50k | 0.25% $50k - $100k
0.30%$100k-6 Month Jumbo CD
0.25%*$50k*$100k6 Month CD
OTHER TIERS: 0.15% $500 - $10k | 0.20% $10k - $50k
0.25%*$100k*-Business 3 Month CD
OTHER TIERS: 0.10% $500 - $10k | 0.15% $10k - $50k | 0.20% $50k - $100k
0.25%$100k-3 Month Jumbo CD
0.20%*$50k*$100k3 Month CD
OTHER TIERS: 0.10% $500 - $10k | 0.15% $10k - $50k

Y-12 Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$100k-60 Month Jumbo IRA
1.25%$100k-60 Month Jumbo Roth IRA
1.20%*$50k*$100k60 Month IRA
OTHER TIERS: 1.10% $500 - $10k | 1.15% $10k - $50k
1.20%*$50k*$100k60 Month Roth IRA
OTHER TIERS: 1.10% $500 - $10k | 1.15% $10k - $50k
1.05%$100k-36 Month Jumbo IRA
1.00%*$50k*$100k36 Month IRA
OTHER TIERS: 0.90% $500 - $10k | 0.95% $10k - $50k
1.00%$100k-24 Month Jumbo IRA
1.00%$100k-24 Month Jumbo Roth IRA
1.00%$100k-24 Month Jumbo CESA
0.95%*$50k*$100k24 Month IRA
OTHER TIERS: 0.85% $500 - $10k | 0.90% $10k - $50k
0.95%*$50k*$100k24 Month Roth IRA
OTHER TIERS: 0.85% $500 - $10k | 0.90% $10k - $50k
0.95%*$50k*$100k24 Month CESA
OTHER TIERS: 0.85% $500 - $10k | 0.90% $10k - $50k
0.90%$100k-19 Month Jumbo IRA
0.90%$100k-19 Month Jumbo Roth IRA
0.85%*$50k*$100k19 Month IRA
OTHER TIERS: 0.75% $500 - $10k | 0.80% $10k - $50k
0.85%*$50k*$100k19 Month Roth IRA
OTHER TIERS: 0.75% $500 - $10k | 0.80% $10k - $50k
0.80%$100k-25 Month Jumbo IRA
0.80%$100k-25 Month Jumbo Roth IRA
0.80%$100k-25 Month Jumbo CESA
0.75%*$50k*$100k25 Month IRA
OTHER TIERS: 0.70% $10k - $50k
0.75%*$50k*$100k25 Month Roth IRA
OTHER TIERS: 0.70% $10k - $50k
0.75%*$50k*$100k25 Month CESA
OTHER TIERS: 0.70% $10k - $50k
0.70%$100k-12 Month Jumbo IRA
0.70%$100k-12 Month Jumbo Roth IRA
0.70%$100k-12 Month Jumbo CESA
0.65%*$50k*$100k12 Month IRA
OTHER TIERS: 0.55% $500 - $10k | 0.60% $10k - $50k
0.65%*$50k*$100k12 Month Roth IRA
OTHER TIERS: 0.55% $500 - $10k | 0.60% $10k - $50k
0.65%*$50k*$100k12 Month CESA
OTHER TIERS: 0.55% $500 - $10k | 0.60% $10k - $50k
0.55%$100k-13 Month Jumbo IRA
0.55%$100k-13 Month Jumbo Roth IRA
0.55%$100k-13 Month Jumbo CESA
0.50%*$50k*$100k13 Month IRA
OTHER TIERS: 0.40% $500 - $10k | 0.45% $10k - $50k
0.50%*$50k*$100k13 Month Roth IRA
OTHER TIERS: 0.40% $500 - $10k | 0.45% $10k - $50k
0.50%*$50k*$100k13 Month CESA
OTHER TIERS: 0.40% $500 - $10k | 0.45% $10k - $50k
0.30%$100k-6 Month Jumbo IRA
0.30%$100k-6 Month Jumbo Roth IRA
0.30%$100k-6 Month Jumbo CESA
0.25%*$50k*$100k6 Month IRA
OTHER TIERS: 0.15% $500 - $10k | 0.20% $10k - $50k
0.25%*$50k*$100k6 Month Roth IRA
OTHER TIERS: 0.15% $500 - $10k | 0.20% $10k - $50k
0.25%*$50k*$100k6 Month CESA
OTHER TIERS: 0.15% $500 - $10k | 0.20% $10k - $50k
Locations

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