Free Checking Account  
High Yield 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  

  Overdraft Protection
The Overdraft Protection Line of Credit protects your draft account from checks being returned due to insufficient funds. If you want to make a spontaneous purchase, just write a draft and your Overdraft Protection will cover the check up to your line of credit in increments of $100. A minimum payment will be due on the first of each month. If you don't use the account, you will not incur any charges.

There are several convenient ways to request your loan today. You may call our loan department at 865-482-1043 or 800-482-1043 during our office hours, Monday through Friday from 9:00 to 5:30 or simply click below to apply online.

Apply Now

Autos 2011-2017 as low as 2.74% 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
NMLS #441816
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
© 2016Y-12 Federal Credit Union, serving Oak Ridge, Knoxville, and surrounding East TN Counties.
All Rights Reserved.