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Y-12 counties




Y-12 Federal Credit Union began in 1950 as the vision of a small group of employees at the Union Carbide Y-12 Plant. From a modest beginning, we now serve over 119,000 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.

Membership in Y-12 Federal Credit Union is open to anyone who lives, works, worships, or attends school in the following counties in Tennessee:  


 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

  • To our members/owners for making a positive difference in their financial lives.
  • To our communities for improving the welfare of all.
  • To our heritage for financial soundness and fiduciary accountability in all that we do.
  • Dedicated to providing best-in-class member service while continuously seeking any and all opportunities for personal and organizational improvement.
  • Continually seeking to build meaningful relationships with our members and employees, set upon a cornerstone of trust and respect.
  • We get the job done with a total team effort, going the extra mile every day to create a fun and productive environment for our members and our employees.

Service Standards

We will identify your financial needs and offer a solution that will improve your financial life.

We will provide you with accurate and timely information.

We will express our appreciation for your business.

We will treat you with respect and maintain the highest standards of professionalism.

We will always call you by your name.

We will take ownership of your request.
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.
2017 Annual Report   2017 Community Impact Report   2016 Annual & Community Report   2015 Annual Report 2014 Annual Report