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Visit your nearest branch, or open an account online today!

To open a Business Membership or Business Loan, please call (865) 482-1043 or E-Mail. Online application is for consumer lending ONLY.

Y-12 F.C.U. is a federally-chartered, member-owned, non-profit financial cooperative. Membership in Y-12 Federal Credit Union is open to anyone who lives, works, worships, or attends school in the following counties:


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.

Autos 2010-2016 as low as 2.49% APR
60-Month Certificate as high as 1.25% APY
Home Equity-Variable Interest Only as low as 4.00% APR
*Rates subject to change; certain restrictions apply.(1)APR (2)APY
Your savings federally insured to at least $250,000
and backed by the full faith and credit of the United States Government National Credit Union Administration, a U.S. Government Agency
Member Cellular Discounts with Sprint

NMLS #441816
Equal Housing Lender
© 2015Y-12 Federal Credit Union, serving Oak Ridge, Knoxville, and surrounding East TN Counties.
All Rights Reserved.