Regulations  

  Regulations
What is NCUA?
The National Credit Union Administration (NCUA) is the independent federal agency that regulates, charters and supervises federal credit unions. With the backing of the full faith and credit of the U.S. Government, NCUA operates and manages the National Credit Union Share Insurance Fund (NCUSIF), insuring the deposits of nearly 94 million account holders in all federal credit unions and the overwhelming majority of state-chartered credit unions.



Equal Housing Lender
The Office of Fair Housing and Equal Opportunity (FHEO) administers and enforces federal laws and establishes policies that make sure all Americans have equal access to the housing of their choice.



NCUA E-Calculator
E-Calculator: Choose this Share Insurance Estimator tool to calculate the insurance coverage of individual accounts, joint accounts with no more than 10 owners, revocable trust account (i.e., ITF/POD and living trust accounts) with up to 3 owners and 20 beneficiaries, IRAs and business accounts. It can process account groups from a single credit union of up to 50 accounts.
 

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.