Official App
Free – Google Play
Get it

Regular Savings Account

Our Regular Share Savings Account opens the door for all other credit union services and requires only a modest $1 minimum balance. This convenient savings plan accrues dividends daily, and funds can be accessed at any time at any of our credit union branches or ATMs.


With a minimum investment of $500, you can choose from 3-month to 60-month certificates to generate the highest yield on your investment. Some certificates give you the ability to lock in the interest rate for the term of investment with dividends posted monthly. With a Bump Rate Certificate, you may bump the rate once during the certificate term.

Individual Retirement Account (IRA)

If you are working to secure a comfortable retirement, Y-12 Federal Credit Union offers a variety of IRA Accounts for deferred investments- Roth, Traditional and Educational. Our IRA accounts combine the high yield of certificates or the competitive yield of our club accounts with the convenience of a regular shares account.

Money Market Account

Our Money Market account is designed for the member who wants to maintain access to their funds while earning rates comparable to an investment account. This flexible investment option can be used as a checking account for your major purchases and occasional need for funds, or as an investment account to earn a higher rate.

Health Savings Account (HSA)

Y-12 Federal Credit Union offers health savings accounts for members with high deductible health plans (HDHP.) Health savings accounts (HSAs) are tax-advantaged custodial accounts established with a written agreement, which are used to accumulate savings to pay for health care expenses. An HSA operates very much like an IRA.

Kids & Teens Accounts

Penny Penguin
Introduce your child to The Penny Penguin Club, Y-12 Federal Credit Union’s exciting savings program especially for kids ages 12 and under.

Impact (13-18)
Y-12 Federal Credit Union offers financial services and education geared towards students ages 13 up to 18. We call it Impact, and it provides everything needed to take the first step towards financial freedom and independence.

Christmas Club

We make saving for Christmas easy. This account can be started by October 1 and maintained for a minimum of one year. As a member, you can designate a club payment plan on a weekly, semi-weekly or monthly basis and even have the funds automatically deducted from your payroll.

Vacation Club

Take the family to the beach. Go on a cruise. Or even take your dream tour of Europe. Whatever your vacation plans might be, we've got a savings plan to help you make your dream vacation a reality. Just begin your Vacation Club account by June 1 and maintain the account for a minimum of one year.