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New Checking Experience Coming June 1st!


Y-12 FCU is committed to maximizing the value we offer to you as a member as we appreciate your loyalty and trust in us.  As a result, we are streamlining and enhancing our checking account product line to have fewer products but provide more rewards and financial benefits. We have taken extensive steps to minimize the impact of this change on your account and we’re confident you’ll be pleased with the features of our new accounts and will find that one of them meets your needs.

If you currently have a Y-12 FCU checking account, you should have received a letter and/or email with details about the specific updates to your account effective June 1st.  If you would like to select a different account than the one we have chosen for you, please call our Member Service Center at 865-482-1043 or visit your local branch by May 28, 2021.  We’ll be happy to switch you to the checking account that best suits your needs.  

New and Improved High Yield Checking



  • 2.50% Dividends paid $0 - 15,000.00

  • 0.05% Dividends paid $15,000.01 and up

  • Free VISA Rewards Debit Card (1 point for
    every $4 spent for Signature based transactions only)          

  • Free teller checks/money orders/cashier’s checks

  • One box of free standard checks annually

   $10 monthly fee waived, and dividends paid by meeting EACH of the following:

  • Receive eStatements

              - AND-

  • 20 debit AND/OR credit card monthly combined transactions


  • One of the following:

    • Minimum $2,000 average daily share balance

    • Cumulative $1,000 monthly direct deposit

  Requirements waived for teens and young adults age 14-23.


Everyday Checking



  • 0.05% Dividends paid              

  • Free VISA Debit Card

  • Free teller checks/money orders/cashier’s checks​

  • Free ATM transactions at Y-12 FCU ATMs and CO-OP
    ATMs nationwide

  • Free online and mobile banking, mobile deposit, and bill pay

   $5 monthly fee waived, and dividends paid by meeting ONE of the following:

  • Minimum $1,000 average daily share balance
  • 10 debit AND/OR credit card monthly combined transactions


  • Cumulative $500 ACH direct deposit 

   Requirements waived for members age 65 and older.           


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