Official App
Free – Google Play
Get it
  • steering wheel of car with post it notes all over it
  • man and woman at table looking at tablet holding debit card
  • woman on deck with laptop and dog
  • man painting room
  • teaser image of new website coming soon

About us


Oh, the 1950s. A time of sock hops, poodle skirts, and rock and roll. It was in 1950, in the middle of the Baby Boom, that Y-12 Federal Credit Union was born.
A small group of employees at the Y-12 plant formed the credit union that June. Word spread about the WOW experiences members found there, including new ways to save, create strong futures, and achieve upward mobility. By October the credit union had more than 700 members.
We’ve grown a lot since those days. Y-12 FCU now serves over 113,000 members as a full service, federally chartered, member-owned not-for-profit financial cooperative. Deposits are insured up to $250,000 by the National Credit Union Administration, an agency of the U.S. government.
Times have changed, but our commitment to you, our members, has remained the same since we founded our credit union. We’re dedicated to providing you with products and services that transform your life by helping you enjoy each and every day, give your kids the life they deserve, build wealth, and retire comfortably. Take Mobile Banking, for example. Making a deposit from your couch feels even cooler when you consider Y-12’s founders couldn’t even change the TV channel without getting up and turning a knob!

More About Y-12 FCU
News and Public Relations
In the Community
Open An Account


as low as

9.99% APR


as low as

2.74% APR


$50,000 and up

0.30% APY


$500 - $50,000 

1.65% APY

family of three walking in meadow with We're in this together

Protect yourself from phone fraud!

Y-12 FCU is dedicated to helping you protect yourself from phone fraud. Should you receive a suspicious call, the best course of action is to hang up and contact the credit union at 865-482-1043 or 800-482-1043.  A fraudulent caller might:
  • Request payment by gift card, wire transfer, Venmo, Cash App or other payment services.
  • Ask for your Online Banking username or password, card number, PIN, CVV code or other sensitive information.
  • Request direct access to your computer.

Y-12 FCU will NEVER call you to request sensitive information, including your card number, PIN, or CVV code.  We already have this information, so at most we may ask you to verify the last few digits.  We will also not ask for any codes that are texted to your phone.

If you believe you have already given your information to someone in error, please call us to report the incident, and review your transactions.  

Learn more!

See ways we are helping

Y-12 FCU

We get so excited giving our members friendly service and great rates that we figured, “Why stop the giving there?” We live our mission of “people helping people” through our Y-12 FCU Gives Foundation, which is to reduce the number of undernourished children in the communities we serve by providing them food, knowledge and resources. Nothing feels quite as good as giving to others. 

More About Y-12 FCU Gives Foundation

Y-12 Federal Credit Union Gives Foundation


More of What We Offer


Wheels and Deals

Wheels and Deals

Considering all the things you juggle every day – your career, family and all your obligations – we know you’re capable of handling anything that comes your way. But when it comes to car buying, it’s easy to get a little frazzled. That’s why we take the stress out of car buying. We’ll pre-approve you for a loan and even point you to our partner dealers to make the whole car buying process easier… no juggling required.
CU Tennessee

7 Insurance

Just because life can be complicated doesn’t mean it has to be. Take your insurance, for example. By providing our members with auto, home, renters and business insurance services, we can offer members all the coverage they need at the very best price. We can’t do anything about getting your three children to soccer practice, a piano lesson and a scouts meeting at the same time, but we can keep your insurance simple.
Online Payment Center

Y12 Investment Partners

Planning for a secure financial future isn’t exactly easy: It’s not a ‘one-size-fits-all,’ or a ‘set-it-and-forget it’ kind of thing. When you need help, turn to Y12 Investment Partners. Not only do they live to serve our members, but they also know a thing or two about ways to make money grow. They’re thrilled to help you find an individualized plan that works for your life, your needs and your future. Then, they’ll help manage the process alongside you, until you meet every one of your financial goals.

After clicking the CONTINUE button, you will be redirected to a web site that is not operated by Y-12 Federal Credit Union. Please review the website's privacy and security policies as they may differ from Y-12 Federal Credit Union.