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During our 70 years of serving our members, we have been through many challenges together. And that’s exactly how we will get through this current crisis – TOGETHER. Our mission is and has always been taking care of our members. If you or your family are impacted by circumstances surrounding the COVID-19 pandemic, we can help. We want you to know we’re here for you.

All branch lobbies are open for business.

Latest News

Effective Monday, July 20th, we are requiring masks when entering all of our branch lobbies. Given the recent increase in COVID-19 cases in the markets we serve we are now requiring that face masks be worn in all Y-12 FCU branches.  The use of masks will help us to prevent outbreaks in our branches and keep our lobbies open to serve you. If you do not have a mask, a disposable mask will be provided for you. If you prefer not to wear a mask, we are happy to serve you in our drive-thru or our remote services are available for your convenience. 

A regulation from Knox and Sevier counties now require masks to be worn in all public buildings.  
As a result, face masks are now required in our Knox and Sevier county branches.  A disposable mask will be provided if you do not have one.  If you prefer not to wear a mask, we encourage you to use our drive-thru personal tellers or our remote services
Although masks are not required by regulations in other counties, our employees will wear them at all branch locations and we strongly encourage members to do so.  Cases continue to rise in our area, and we must all do our part to help prevent the spread of illness.  We will also continue to follow our approved social distancing guidelines:

  • Branch occupancy is limited based on the size of the branch
  • Floor decals are in place to mark the appropriate place to stand for six-foot social distancing
  • Coffee areas and public restrooms are closed
  • Hand sanitizer is available for members and staff

We appreciate your patience and support as we work to serve our members in these unique circumstances. 

If you or your family are impacted by circumstances surrounding the COVID-19 pandemic, Y-12 FCU can help. We want you to know we’re here for you.


Mortgage Loan Payment Relief

Mortgage loan payment relief, including home equity lines of credit, may be available for those impacted by the COVID-19 pandemic.  Please contact us at 865-340-4587 to discuss your options. 

Commercial Loan Relief

Commercial loan payment relief may be available for those impacted by the COVID-19 pandemic.  Please contact your loan officer or business services at 865-535-0512 to discuss your options.

Y12 FCU is not an SBA lender and is not participating in any of the stimulus lending packages, including the Payroll Protection Program.  Please visit the SBA website for more information or to apply for disaster assistance. 


Increased ATM Withdrawal Limits

To assist members with easy access to cash while our branch lobbies are closed, we have increased the daily cash withdrawal limit for consumer and business debit cards to $1,500*.  Check out our ATM Locator map to find the free ATM closest to you.  Simply type your address in the search bar and check surcharge free ATMs in the search options.  This will show you any Y-12 FCU ATMs, Easy Street ATMs, or Coop Network ATMs – all FREE to Y-12 FCU members.  You can hover over each location or click it on the map to see the street address. 
*Individual ATM machines have dispense limits, so large withdrawals may require multiple transactions.  Excludes Opportunity Checking, Student Checking, HSA, and Business Limited accounts.

A number of safety measures are in place to protect the health and safety of members and employees, including germ guards, increased sanitation and social distancing guidelines, which consist of:

  • Occupancy is limited based on social distancing placeholders available.
  • Floor decals are in place to mark the appropriate place to stand for six-foot social distancing. Please wait until a spot is available to enter the branch.
  • If you have to wait outside, please practice social distancing by standing in the designated spots.
  • While we love seeing our members, we encourage you to continue utilizing our remote services for transactions when possible. 

If you answer “Yes” to any of these, please use our drive-thru for service or call us at 865-482-1043:

  • Have you been in close contact with a confirmed case of COVID-19?
  • Are you experiencing a cough, shortness of breath or a sore throat?
  • Have you had a fever in the last 48 hours?

We encourage following the CDC’s recommendation to limit personal contact.  Here are some ways that Y-12 FCU makes it easy for you to continue to do business with us.  With these tools, you can conduct most of your banking business without ever visiting a branch.

  • Online Banking and Mobile Banking can be used to manage your accounts 24/7 without having to visit a branch. You can do many things including but not limited to:
    • Check account balances
    • Pay your bills without leaving home
    • Make your loan payments at Y-12 FCU
    • Transfer funds within your own accounts or to another Y-12 FCU member
    • Deposit checks using the Mobile Deposit feature
    • Control your debit or credit card
    • Apply for a loan
    • Send money directly to someone through online banking (PoPMoney)
    • Transfer money from or to another financial institution using FI to FI transfer
    • View our Electronic Banking How-To-Videos
  • Personal Teller Machines can do the same transactions as a teller without having to enter a branch location from 7:00 am - 7:00 pm Monday-Friday and 9:00 am-2:00 pm on Saturday.
  • ATM Machines can be used to obtain cash without having to enter a branch or interact with a live person.
  • Call us at 800-482-1043 with questions or to handle transactions on your account. Our Member Service Center currently has extended hours and is available by phone 8:00 am-6:00 pm Monday-Friday and 8:30 am – 2:00 pm on Saturday. 
How Do I Service Chart

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