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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 117,000 members as a full service, federally chartered, member-owned non-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!

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as high as

1.80% APY


as low as

10.99% APR


$50,000 and up

1.75% APY


$0 - $50,000 

2.00% APY

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What's in your digital wallet?

These days, our smartphones are always with us, so we offer Apple Pay®, Samsung Pay® and Google Pay™ to make secure, convenient purchases on the go. We also offer VISA Checkout, another simple and safe way to make purchases from your smartphone, tablet, laptop or desktop. Look for the VISA Checkout logo when shopping online. Then, simply log in and pay. Just like that. It’s perfect for that time when you accidentally put your wallet in the freezer and left the ice cream carton on the counter.



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.