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Headquarter, main office, Oak Ridge

Y-12 counties

Our History

Ah, 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 114,000 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!

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
  • Union

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


Purpose Statement

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.

Core Values

We do the right thing.

We maintain open doors and open minds.

We enjoy our work and our work environment.

Continuous Improvement
We are committed to getting better every day.

We work together to achieve more.
Annual Report

Annual Report

You can learn about your credit union’s assets, expenses and income in the Y-12 Federal Credit Union Annual Report. Statements from the CEO, Board of Directors, Treasurer and Supervisory Committee are also included.

2020 Annual & Community Report
2020 Annual Meeting Minutes

2019 Annual Report2019 Community Impact Report  

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