Loan Payment Center

Make a loan payment with ease.

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Digital Banking 

Pay from your Y-12 Credit Union account or from another financial institution.

Log into Digital Banking.
Select Transfer from the Pay/Transfer menu.
Choose the account you would like to pay from and the loan or credit card account you would like to pay.
Enter the date, amount, and optional recurring settings.
Select Make Transfer.
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Online Payment Centers 

Pay from another financial institution1 online using the links below.


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Phone 

Pay by calling us at 800-482-1043 and choosing option 4.


For after Credit Union hours, please call 888-339-0398 to make a payment using your account and routing number.

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Branch 

All branch locations accept loan payments in person and at our drive-thru Personal Teller Machines (PTMs).

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Mail 

Mail your check and loan number to:

Y-12 Federal Credit Union

P.O. Box 2512

Oak Ridge, TN 37831

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Overnight Deposit 

All branch locations offer an overnight deposit. Loan payments will be applied the next day.

Get our Digital Banking app for secure and convenient access to manage your finances anytime, anywhere!

Simply search Y-12 Credit Union in your app store to download.

RESOURCES

Need additional help?





Open An Account Online

Open your account within five minutes.

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Video Banking

Open your account with a video consultant.

Start Video Banking






Branch Locations

We'd love to see you.

See Locations



1. A change in NACHA (National Automated Clearing House Association) authentication rules will require members to enter their online banking credentials when making an online payment from another financial institution. Learn how to validate your account using the video links below. 
ACH Web Validation User Experience Video | ACH Web Validation Alternative Path Video

2. A $4.95 convenience fee will be applied to one-time payments from another institution.