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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.

Latest News

Our branch lobbies have resumed normal operating hours. 

  • Branch lobby hours are Monday-Friday 9:00 am - 5:30 pm.
  • Lobbies are open on Saturday at 8 branch locations:  Oak Ridge, Cedar Bluff, Clinton I-75, Lafollette, Maryville, North Knoxville, Powell, and Roane County.   
  • Drive-thru service will continue to be available at all branch locations Monday-Friday 7:00 am - 7:00 pm and Saturdays 9:00 am - 2:00 pm.
  • Pre-opening appointments are available at all locations on Tuesdays & Thursdays 8:00 am - 9:00 am for at risk members.  Please call 865-482-1043 to schedule an appointment. 

A number of safety measures are in place to protect the health and safety of members and employees, including social distancing, germ guards, and increased sanitation. We also encourage you to wear a mask for your protection.  

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

Beware of Scams around Stimulus Checks
The FTC is already warning about scammers who claim that in order to receive the payment, the person must confirm their account information. Here are some ways fraudsters are using the government-issued stimulus checks as a way to get your personal account information:

  • Fraudulent Checks: If you receive a check, pay close attention to the amount listed and check to see if there is any requirement for you to verify any information online – if the amount seems strange or the check asks you to complete any additional steps, it’s a scam.
  • Social Media: If you receive any messages through your social media accounts asking you to verify information in order to get your check, it’s a scam. The government, or the Credit Union, will never go through social media to get in contact with you.
  • Processing Fees: Beware of anyone who offers you a fee for faster check processing. The government will not issue any checks earlier in exchange for money.
  • Correspondence from the IRS: The IRS will use information on your tax return filings for your check. They won’t be asking you for personal information.

Bottom Line: No one will contact you—from the Credit Union or the IRS—to confirm bank information or your personal information

Other scams to be aware of:
Be aware that scammers take advantage of crisis situations. If you believe that you are being targeted by a scammer, please contact our Member Service Center at 865-482-1043. The FTC has published the following article to protect consumers from scammers:

Please remember to never give out your card number, account number, PIN, or security code by phone, text, or email. Y-12FCU will not call to ask you to verify these numbers. If you receive a call from anyone asking for your full debit or credit card number, expiration date, your 3-digit CVV code, or your PIN, please hang up and call us immediately at 865-482-1043 or 800-482-1043 to report the incident, review your transactions, and report the card information stolen if necessary.
After hours number for debit and credit cards is 1-866-839-7482.

Protect your account by signing up for Fraud Alerts within your online banking account.  


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.


Pandemic Assistance Loan (PAL) Program*

We have created a loan program to assist members during this difficult time.​ Members may apply for an unsecured loan at 0%APR fixed rate for the first six months and 3%APR fixed rate for the remainder of the loan term. 

The special rate is available to existing Y-12 FCU members who are directly impacted by the pandemic and meet specific qualifications. It offers a maximum amount limit of $5,000, a maximum term of 48 months, and members can take up to 90 days to make their first payment. Any amounts over $5,000 will be converted to a signature loan and will not be eligible for this assistance loan. 

Members can apply online using the link below or by contacting us at 865-482-1043.  When applying online, please select Signature Loan and our lending team will reach out to you.

Apply Now!

*The PAL is for new money only and not intended for debt consolidations.

Consumer Loan Payment Deferment

To help our members possibly impacted by the pandemic, we are deferring May payments for 30 days for qualified consumer loans in good standing. This offer only applies to consumer installment loans and does not include mortgage loans, home equity lines of credit, business loans, or credit cards.  Members with qualifying loans will receive an email by 4/30/2020.   No action is required to accept this offered payment deferral and there is no fee related to the deferral. You will simply resume your normally scheduled payment in June. Of course, if you prefer to make your regularly scheduled payment you are welcome to do so. Making the payment as scheduled will avoid any changes to total interest paid or the final loan maturity date.
The dates will be advanced after close of business on 4/31.  Your due date will advance even if your loan is paid ahead, up to a maximum of 90 days.  This automatic payment deferral does not count toward your annual or lifetime skip-a-pay limit.    
If you think you have a qualifying loan, you may confirm if your due date has advanced by checking your account in online or mobile banking.  If you have questions regarding this offer or your loan status, please contact us at 865-482-1043. 

By accepting this automatic deferment, you agree to the following: 
  • Interest will continue to accrue, and you will pay more total interest to pay off your loan.
  • This deferred payment will extend the term of your loan.
  • If you have GAP coverage, credit insurance, or other debt protection products on this loan, any additional payments (beyond the original maturity date) resulting from the deferred payment may not be covered by the GAP coverage, credit insurance, or debt protection product.
  • If your payment is made through our ACH program, you must notify us to cancel the automatic payment. If your ACH payment cannot be stopped in time, your skipped payment will be delayed until the next scheduled payment. 
  • If you have scheduled recurring payments using our online payment center or another bill pay service (including automatic payments from another financial institution), you must log in to that site to suspend the payment.  Y-12 FCU is unable to cancel these payments.
  • Recurring payments set up through a Y-12 FCU Auto-transfer or ACH will be automatically canceled.* 

*We are making every effort to cancel all recurring payments that are within our control.  If your payment is processed in error, please contact us so that we can correct it. 


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. 

Grace Period Extended on Share Certificates at Maturity

Effective on Monday, March 23rd, the grace period after maturity for members to make changes to their share certificates is temporarily extended from seven to twenty days.

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.

For updated information on Y-12 FCU’s response to the virus:

For update information regarding the spread of COVID-19:


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