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  Home Mortgage
We know how important buying a home can be and how many decisions must be weighed in the process. Getting the best rate, term and service for your Mortgage Loan should not be a taxing issue. We make financing your home simple and painless. We offer competitive rates and options on terms based on your financial needs and lifestyle.

In addition to competitive mortgage rates and low closing costs, you will receive exceptional service from our mortgage counselors. From 5-year to 30-year terms, we have a mortgage loan program to fit your needs. There are also no prepayment penalties.

First-Time Home Buyers, Construction Loans, Secondary Residence, Land Only, Investment Property, Bridge Loans and other Real Estate Products are available. Please call our Mortgage Department at 865-481-4974 or 800-482-1043.

Apply now

For assistance with your existing first mortgage on CyberLink, email or call 1-877-471-7890.


Autos 2010-2016 as low as 2.35% APR
60-Month Certificate as high as 1.15% 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.