Lending Headquarters
Welcome to Y-12 Credit Union!
Our mission, built on the principle of "people helping people," ensures that every member receives personalized service, tailored lending solutions, and the care they deserve. That’s why we created this Lending Headquarters, providing all the information you need to make the acquisition a smooth process—because your financial needs matter to us.
Consumer Lending
Personal lending made simple.
CONSUMER LENDING FREQUENTLY ASKED QUESTIONS
- Banking without a branch is easy with our digital tools.
- Connect with a financial consultant face-to-face with Video Banking.
- Deposit checks, make payments, and manage your accounts online and in-app with Digital Banking.
- Chat with us through Ask Atom. He's always ready at the bottom right corner of your screen!
- There are many different ways you can make a payment:
- Digital Banking (online or in-app): Make a payment on your consumer loan or credit card from your Y-12 Credit Union account or from another financial insitution under the Pay/Transfer menu in Digital Banking.
- Online Payment Center: Make a payment on your consumer loan, credit card, mortgage, or student loan from another financial institution using an Online Payment Center. Learn more here.
- Phone: Make a payment by calling us at 800-482-1043 and choosing option 4. For after Credit Union hours, please call 888-339-0398 to make a payment using your account and routing number.
- Branch: All Y-12 Credit Union branch locations accept loan payments in person and at our drive-thru Personal Teller Machines (PTMs).
- Mail: Mail your check and loan number to:
Y-12 Credit Union
P.O. Box 2512
Oak Ridge, TN 37831 - Overnight Deposit: All Y-12 Credit Union branch locations offer an overnight deposit. Loan payments will be applied the next day.
- Get started with Digital Banking here.
- Submit your proof of insurance through:
- Email to insurance@wehaveinsurance.com (Please note that if providing by email, the documents must be sent as an attachment, not a link.)
- Fax to 866-266-7898
- Mail to
Y-12 Federal Credit Union
Attention: Insurance Department
P.O. Box 2512
Oak Ridge, TN 37831
Proof of insurance documents submitted to Y-12 Credit Union must have the following information:- The insured's name and adress
- The vehicle's description and Vehicle Identification Number (VIN)
- Collision and comprehensive deductible amounts - collision coverage ($1,000 maximum deductible) and comprehensive coverage ($1,000 maximum deductible)
- The policy number and current policy period
- Y-12 Federal Credit Union listed as loss payee
- Y-12 Credit Union members can receive a free non-obligatory insurance quote from our partner, Mountain Valley Insurance. Whether you are looking for auto, home, renters, or business insurance, rest assured that Mountain Valley Insurance will match the right coverage at the right price for your needs. Learn more here.
- Credit cards will arrive in the mail between 7-10 business days.
- Yes! We offer several options to make secure, convenient purchases on the go. Look for their icons at checkout.
Learn more here.
- We are happy to help!
- Call our Consumer Lending Team at 865-340-4594.
- Chat with us using Ask Atom. He's always ready in the bottom-right corner of your screen!
- For other questions, please call our Member Engagement Center at 800-482-1043.
- You can apply for a new loan:
- Online
- Through Video Banking
- By calling us at 865-340-4594.
- Yes! After you have made your first payment, you can change your payment date. Please note that this option is only allowed once per loan. To change your due date, please contact us at 800-482-1043.
- Yes! If your credit score goes up and you qualify for a lower rate, we can help adjust the rate on your loan. Please note that this option is only allowed once per loan and requires a hard credit pull. To check if you qualify to lower your interest rate, please contact us at 800-482-1043.
- Flexibility means having options. Manage your accounts in a branch, online, over the phone, through chat, in-app, with Video Banking, and more.
- With our nationwide co-op ATM network, say goodbye to ATM fees and surcharges.
- As a credit union, we make decisions with a member-first approach. Your success is our success.
- Switching your direct deposit from another institution won't be a headache. Our free online tool, Pinwheel, will securely transfer direct deposits to your Y-12 Credit Union account.
- From financial wellness tools to tips and tricks, take advantage of a supportive team that has your back and wants to see you succeed.
CONSUMER LENDING TOOLS
Go-to tools for smarter borrowing:
Home Lending
Your home, your way.
HOME LENDING FREQUENTLY ASKED QUESTIONS
- Banking without a branch is easy with our digital tools.
- Connect with a financial consultant face-to-face with Video Banking.
- Deposit checks, make payments, and manage your accounts online and in-app with Digital Banking.
- Chat with us through Ask Atom. He's always ready at the bottom right corner of your screen!
- Payments can be made online or with Digital Banking under the Pay/Transfer menu.
- There are many different ways you can make a payment:
- Digital Banking (online or in-app): Make a payment on a HELOC from your Y-12 Credit Union account or from another financial insitution under the Pay/Transfer menu in Digital Banking.
- Online Payment Center: Make a payment on your HELOC from another financial institution using an Online Payment Center. Learn more here.
- Phone: Make a payment by calling us at 800-482-1043 and choosing option 4. For after Credit Union hours, please call 888-339-0398 to make a payment using your account and routing number.
- Branch: All Y-12 Credit Union branch locations accept loan payments in person and at our drive-thru Personal Teller Machines (PTMs).
- Mail: Mail your check and loan number to:
Y-12 Credit Union
P.O. Box 2512
Oak Ridge, TN 37831 - Overnight Deposit: All Y-12 Credit Union branch locations offer an overnight deposit. Loan payments will be applied the next day.
- Y-12 Credit Union members can receive a free non-obligatory insurance quote from our partner, Mountain Valley Insurance. Whether you are looking for auto, home, renters, or business insurance, rest assured that Mountain Valley Insurance will match the right coverage at the right price for your needs. Learn more here.
- Withdrawals are as simple as making a transfer in Digital Banking (online or in-app). You can also request a transfer by calling us at 800-482-1043.
- For questions regarding new or current applications, please contact your Home Lending Advisor at 800-482-1043.
- For questions regarding servicing of your loan, such as your homeowners insurance, property taxes, or escrow, the best point of contact is our mortgage servicer Dovenmuehle International (DMI) at 877-471-7890.
- For questions regarding new or current applications, please call your Home Equity Lending Consultant at 800-482-1043.
- For questions regarding servicing of your loan, such as your homeowners insurance, property taxes, or escrow, please call our Home Equity Servicing Team at 800-482-1043.
- Apply online here.
- Flexibility means having options. Manage your accounts in a branch, online, over the phone, through chat, in-app, with Video Banking, and more.
- With our nationwide co-op ATM network, say goodbye to ATM fees and surcharges.
- As a credit union, we make decisions with a member-first approach. Your success is our success.
- Switching your direct deposit from another institution won't be a headache. Our free online tool, Pinwheel, will securely transfer direct deposits to your Y-12 Credit Union account.
- From financial wellness tools to tips and tricks, take advantage of a supportive team that has your back and wants to see you succeed.
Commercial Lending
Empower your business with tailored solutions.
COMMERCIAL LENDING PROCESS
Commercial loan steps:
RESOURCES
Need additional help?
