About Us

Building relationships and transforming lives.

We love helping our members with their finances and giving back to the local communities we serve. That’s why we hold our mission to transform the lives of our members and communities so close to our hearts.  The best part is that you become part of that mission as a Y-12 Federal Credit Union member. Together, we can make an even bigger difference.


We help our members grow their money with awesome dividends and rewards on the products they use every day.  


We invest in our children by providing food, resources, and knowledge to prepare them for a brighter future.


We believe it is our responsibility to give back to the members and communities who contribute to our success. It’s so important that we made transforming our communities part of our purpose statement.

  • We provide each employee with up to 16 hours paid time off annually for volunteering with local charitable organizations
  • We help build stronger communities by facilitating educational seminars and webinars
  • We are active community partners with our local chambers of commerce

How do I become a member?

You qualify already if you:

Live, work, worship, or attend school in the counties we serve

Counties include Anderson, Blount, Campbell, Knox, Loudon, Roane, Sevier, and Union.

Have an immediate family member who is already a member

Immediate family members include a parent, sibling, child, spouse, grandparent, grandchild, step-parent, step-sibling, or step-child.

Are A Member of the Y-12 FCU Gives Foundation

Joining our foundation automatically qualifies you to become a Y-12 FCU member. We will even cover your first year's membership fee of $5.



Member Testimonials

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I have always been treated with the utmost courtesy and kindness at this branch. Service was excellent. I never imagined that a simple request to make a deposit in my checking and savings, and to obtain a debit card could be handled so easily and quickly. They even made my card for me right there! Keep up the good work and thank you so much!

Darla B.

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Always friendly service from the staff. A+++

Gaye L.

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Always had a positive experience any time I had to call into Y12, the staff were always professional and helpful in assisting in problem resolving issues with the loan and its status. They were all able to resolve any concerns and answer all questions, to my satisfaction.

Laura G.

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Prompt, professional attention to my needs.

Robert S.

Learn More About Us

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Our History

A small group of employees at the Y-12 plant formed the credit union in June 1950. 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.

Our first Board of Directors were:
President Don Phillips, C.L. Estes, John Reece, W.K. Palmer, Vice President James R. Whitcomb, Evan Means, and Mabel Tyer 

Our Purpose

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.

Our Core Values

At Y-12 Federal Credit Union, our core values set us apart and help us deliver WOW experiences.

Integrity   atom only   Communication      Fun      Continuous Improvement      Collaboration

Y-12 FCU Gives Foundation

We give back to the communities we serve in a variety of ways with our Y-12 FCU Gives Foundation.

On July 17, 2017, Y-12 Federal Credit Union formed Y-12 FCU Gives Foundation, which was founded to extend the credit union's mission of "people helping people" into the philanthropic realm of charitable giving and support.

The mission of the foundation is to reduce the number of undernourished children in the communities we serve by providing them food, knowledge and resources.

Visit Our Y-12 FCU Gives Foundation

Annual Report

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

2023 Annual & Community Report



Board of Directors

Your board and committee members are volunteers who generously give their time and talent to lead our credit union efforts. In addition to monthly meetings, they spend countless hours on credit union business and activities on behalf of our members. This volunteer spirit is the heart of the credit union movement.

Ron Honeycutt, Chair
David Rupert, Vice-Chair
Lloyd Jollay, Secretary 
Sam Pelchar, Financial Officer
Tom Fisher, Director
Hurtis Hodges, Director
David Liles, Director

To contact our volunteer Board Members, please address mail to:
P.O. Box 2512
Oak Ridge, TN 37831-2512

Press Release

Find the latest happenings at Y-12 FCU!