Federal Credit Union


From a modest beginning in 1950, the Y-12 Federal Credit Union now serves over 107,000 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:  


If you qualify for membership, 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.


Mission Statement

The mission of Y-12 Federal Credit Union is to be a financially sound institution making a positive difference in our membership’s financial lives and the communities in which they live.

Vision Statement

Y-12 Federal Credit Union will be the financial institution of choice in Tennessee.

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.
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.
  2015 Annual Report (PDF Format) 2014 Annual Report (PDF Format)