Official App
Free – Google Play
Get it


as high as

2.20% APY


as low as

8.25% APR


Minimum $250,000

1.50% APY



1.65% APY

scam alert

Fake Check Scam Alert

We have learned there are counterfeit copies of our cashier’s checks being distributed as part of a scam. Please use caution when accepting checks, particularly from someone you do not know. 

There are several variations of fake check scams that usually begin when someone is offering to:
  • Buy something you advertised for sale
  • Pay you to work from home
  • Give you an “advance” on a sweepstakes or you’ve won
  • Give you the first installment on the millions you’ll receive for agreeing to transfer money to a foreign country to your bank account for safekeeping
Here are several tips to prevent fake check scams:

Even if the check has “cleared”, you may not be in the clear. If you have questions about whether or not a check is good, contact the Credit Union. Be sure to explain the source of the check, the reasons it was sent to you, and whether you are being asked to wire money back.
Don’t be fooled by the appearance of the check. Scammers are using sophisticated technology to create counterfeit checks that mirror the appearance of legitimate checks from legitimate businesses. This includes money orders and cashier’s checks.
Never ‘pay to play’.  There is no legitimate reason for someone who is giving you money to ask you to wire money back or send you more than the exact amount – that is a red flag that it’s a scam.
Do not respond to online solicitations for “easy money”.  Social media scams may offer “quick ways to earn extra cash”, but keep in mind that easy money is rarely legal money.
Verify the requestor before you wire or issue a check. It is important to know who you are sending money to before you send it. Just because someone contacted you doesn’t mean they are a trusted source.
Report any suspected fraud to the credit union immediately.  Our employees are experts in spotting fraudulent checks. If you think someone is trying to pull a fake check scam, don’t deposit it – report it.

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
Y-12 FCU News and Public Relations
Y-12 FCU in the Community

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 Gives Foundation

Y-12 Federal Credit Union Gives Foundation


More of What We Offer


car being towed



Learn More
Wheels and Deals


Learn More
CU Tennessee



Learn More
Online Payment Center


Learn More