Christmas Club  
Fee Schedule  
Health Savings Account  
Kids Accounts  
Money Market  
Regular Share  
Share Certificate  
Teen Accounts  
Vacation Club  

We know how hard you work for your money and want to offer you the best savings and investment plans to make your money grow. Whether you need a short-term or long-term investment strategy, whether you have limited investment funds or larger amounts, we’ve got a plan for you. From our regular share account with a minimum $5 investment to share certificates for substantially larger investments, we’ll find the best plan to help you reap the dividends as your money grows.

Your credit union is strong and you can be sure your money is safe with us. Your deposits are insured by the National Credit Union Share Insurance Fund, an agency of the U.S. Government, which is the strongest and best capitalized of all the Federal Deposit Insurance Agencies.

Open an Account

Autos 2011-2017 as low as 2.74% APR
60-Month Certificate as high as 1.25% APY
Home Equity-Variable Interest Only as low as 4.00% APR
*Rates subject to change; certain restrictions apply.(1)APR (2)APY
NMLS #441816
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
© 2016Y-12 Federal Credit Union, serving Oak Ridge, Knoxville, and surrounding East TN Counties.
All Rights Reserved.