Insurance Services

Y-12 Federal Credit Union and ORNL Federal Credit Union have teamed up to provide members a full-service insurance agency to serve the insurance needs of Tennesseans.

CU Insurance Services of Tennessee, LLC, provides a wide variety of personal insurance needs to include homeowner, automobile, personal umbrella, boat, fire, RV, and motorcycle coverage. This agency will represent several top-rated carriers to allow clients to customize protection while focusing on a premium payment plan that fits their budget.

Investment & Retirement Services

Y12 Investment & Retirement Services is a personal financial management service designed especially for credit union members, providing professional retirement, insurance and investment services.

ATM Locations

As a member of Y-12 Federal Credit Union, you have access to your money 24/7 at over 28,000 ATMs nationwide.

Branch Locations

For your convenience, we have 14 branches in 7 East Tennessee counties to serve your financial needs.

Digital Wallet

Let’s face it – many of us are dependent on our smartphones. Whether it is the news, weather or social media, our phones are close by. Using our phones to pay for our purchases is the new norm. Luckily, we offer Apple Pay, Samsung Pay and Android Pay!

Banking On-the-Go

You have access to your Y-12 Federal Credit Union account no matter when you need it, where you are or how you need it. We offer Online, Mobile and Phone Banking for your convenience.

Gift Cards

We offer a great gift idea anyone would love to receive! Y-12 Federal Credit Union is pleased to offer VISA Gift Cards.


eAlerts are messages sent to you to notify you via text and/or email of certain transactions or events happening on your account.


If you monitor your account with our Online or Mobile banking service, chances are you don’t even open the paper statements you receive. Sign up for Y-12 Federal Credit Union’s E-Statement and you never have to receive a paper statement again.

Bill Payment

Pay your bills faster and more efficiently and in one place with our bill payment services. We offer two convenient ways to pay your bills or an individual that eliminates the hassle of using checks or cash.