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Y-12 Federal Credit Union
501 Lafayette Drive
Oak Ridge, TN 37830

Mailing address:
P.O. Box 2512
Oak Ridge, TN 37831

Contact Information

Member Service Center
Monday - Friday 8:30 am to 5:30 pm
Saturday 8:30 am to 12:00 pm
All calls: 865-482-1043
Toll Free: 800-482-1043


Branch Locations


Lost or Stolen Debit/Credit Cards

If your debit card is lost or stolen or you notice suspicious transactions, you can turn off your debit card in our Mobile App by selecting Card Controls from the menu and in Online Banking under the Services tab. If you find it a few minutes later, simply turn it back on.  If not, contact us or come into any branch for a new debit card. 

You may also report a lost or stolen Debit or Credit Card during business hours by contacting our Member Service Center at 865-482-1043. For after business hours, please call 1-866-839-7482.



Secure Messaging

If you have specific questions about your account, please log into Online Banking or Mobile Banking and use the Message feature to send us a secure message.


Chat with us to get your questions answered in real time. Look for the blue Live Chat icon on many pages of our website.

General Questions

If you have a general question, send us an email at Y12info@Y12FCU.org.

Home Lending

Connect with a Home Lending Advisor.


Connect with a Business Professional.


If you had a WOW member experience, or even a not so good one, we want to hear about it! Email us at Feedback@Y12FCU.org.


Board of Directors

In order to contact the Volunteer Board Members, please address to:
P.O. Box 2512; Oak Ridge, TN 37831-2512.
  • Ron Honeycutt, Chair
  • David Rupert, Vice Chair
  • Sam Pelchar, Financial Officer
  • Lloyd Jollay, Secretary
  • Hurtis Hodges
  • Tom Fisher
  • David Liles

Supervisory Committee

In order to contact the Supervisory Committee, please address to:
P.O. Box 4393; Oak Ridge, TN 37831-4393
  • Hilary Shreter, Chair
  • Kevin Cress, Secretary
  • Chris Dean

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