BALANCE Financial Fitness Program  
Free Financial Counseling  

  BALANCE Financial Fitness Program
Y-12 Federal Credit Union is dedicated to helping you realize your financial goals reducing your debt, saving for higher education, buying your first home, or planning for retirement. Which is why we are excited to announce your newest benefit of membership: BALANCE Financial Fitness Program.

You now have access to free money management information and assistance through BALANCE. To use the program, call 888-456-2227. Counselors are available Monday through Thursday, 8am to 11pm; Friday, 8am to 8pm, and Saturday, 11am to 8pm (ET), or visit Or, if you prefer, you can reach our in-house counselor, Donna Bass, at 800-482-1043 ext 283.

We recognize that money concerns have a serious effect on our quality of life. Now, with our newest partner, you have the resources you need to achieve your financial goals.

BalanceTrack is a feature of our financial education program that lets you learn through specific modules at your own pace when it's convenient for you. Topics include basics of investing, money management, credit, buying a home and more. Visit to jumpstart your personal financial education today.

Autos 2009-2015 as low as 2.10% 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
© 2014Y-12 Federal Credit Union, serving Oak Ridge, Knoxville, and surrounding East TN Counties. All Rights Reserved.