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Getting a loan from Y-12 Federal Credit Union is easier than ever. You’ll never pay an origination fee, and in most instances consumer loans are approved within one hour giving you quick access to those needed funds. Apply 24 hours a day, 7 days a week using one of these convenient methods:

Online Banking

If you’re a registered Online Banking member, you can sign into your account and complete the online application. Several application fields will already be imported from your account for you, making the process quick and easy.

Members and non-members may apply online at any time.


If you are already a member and would like to apply by phone, just call our Member Audio Response Center at 483-MARS and choose the Loan Menu.

Autos 2010-2016 as low as 2.49% 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
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

NMLS #441816
Equal Housing Lender
© 2015Y-12 Federal Credit Union, serving Oak Ridge, Knoxville, and surrounding East TN Counties.
All Rights Reserved.