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  Share Certificate
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. Earn higher interest rates with a Jumbo Certificate of $100,000 or more. In addition, you can choose between withdrawals by check or automatic transfer of dividends on a monthly basis to give you immediate access to the interest your investment is generating. Quarterly statements will be provided and we will notify you 20 days prior to the certificate's maturity. This allows you to consider options to renew the certificate at the current market rate.

If you would like more information about any one of our savings or investment plans, please contact a service representative at 865-482-1043, 800-482-1043 or e-mail us.

Remember, at Y-12 Federal Credit Union your funds are insured. Your credit union is strong and your money is safe with us. Your deposits are insured up to $250,000 by the National Credit Union Share Insurance Funds, the strongest and best capitalized Federal Deposit Insurance Agency of the U.S. Government.

Member IRA accounts are insured up to $250,000 per account by National Credit Union Administration, a U.S. government agency.

Click here to view our current rates.

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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
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All Rights Reserved.