Free Checking Account  
Classic 55 Account  
Impact Account  
Premier Account  
CheckLink Debit Card  
RewardLink Debit Card  
Direct Deposit  
Fee Schedule  
Payroll Deduction  
Order Checks  
Overdraft Protection  
Member Privilege  
Switch Kit  
Basic Reconcilement Form  

  Impact Checking Account (for members 13-18)
Minimum Balance None Required
Service Charge
Monthly Fee
Features/Benefits Free checking plus these extras:
  • Free first box of checks
  • Free CheckLink Card
  • Free Cyberlink Home Banking
  • Free MARS
  • Free opening gift
  • Discount on reloadable VISA Gift Cards
  • Special website featuring financial information and links to valuable resources
  • Quarterly incentive for those who donít overdraft account
Dividends None

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Autos 2010-2016 as low as 2.35% APR
60-Month Certificate as high as 1.15% 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.