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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


What's in your digital wallet?

Let’s face it – many of us are dependent on our smartphones. Whether it is the news, weather or social media, our phones are close by. Using our phones to pay for our purchases is the new norm. Luckily, we now offer Apple Pay, Samsung Pay and Google Pay!  All are convenient, easy and safe.  After signing up, hover your phone over the card reader or the contactless terminal and you have made your purchase.

Apple Pay

Samsung Pay

Google Pay

VISA Checkout is also a simple and safe way to check out on your smartphone, tablet, laptop or desktop. Look for the VISA Checkout logo when shopping online, you can login in a snap and pay for your purchase quick and easy.

VISA Checkout


About us


From a modest beginning in 1950, Y-12 Federal Credit Union now serves over 117,000 members as a full service financial institution. Y-12 FCU is a federally-chartered, member-owned, non-profit financial cooperative. Deposits are insured up to $250,000 by the National Credit Union Share Insurance Fund (NCUSIF), an agency of the U.S. Government.

Y-12 Federal Credit Union will be an innovative financial partner, transforming the lives of our members and communities by developing lasting relationships while delivering WOW experiences.  

Membership in Y-12 Federal Credit Union is open to anyone who lives, works, worships, or attends school in the following counties in Tennessee: Anderson, Blount, Campbell, Knox, Loudon, Roane, Sevier, and Union. When you become a member, members of your immediate family are also eligible.

At Y-12 Federal Credit Union you are more than a member - you are part of our family.

More About Y-12 FCU
Y-12 FCU News and Public Relations
Y-12 FCU in the Community
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See ways we are helping

Y-12 FCU

Y-12 Federal Credit Union is excited to have recently formed our Y-12 FCU Gives Foundation, which was founded to extend our organization's legacy mission of "people helping people" into the philanthropic realm of charitable giving and support.  The mission of the foundation is to support the needs of organizations that align with our core values which focus on educational initiatives, health and wellness and emerging community needs.

More About Y-12 FCU Gives Foundation

Y-12 Federal Credit Union Gives Foundation


More of What We Offer