• Earn 2.50% APR on High Yield Checking

    Our enhanced High Yield Checking includes
    more rewards and financial benefits.

    Learn more
  • Connect with us from Anywhere!

    Let us bring the branch experience to you through our online video service pilot! Test our new video services, and have lunch on us! 

    Learn more
  • 1 in 4 children in East Tennessee are at risk of hunger.

    Join us in our fight to end childhood hunger at our Y-12 FCU Gives Foundation

    Charity Golf Tournament.

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  • Schedule an appointment today!

    We know your time is very important. Schedule an appointment with your local branch on your schedule.

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About Us


Make money and make a difference.

We love helping our members with their finances and making a difference in the communities we live in. That’s why we hold our mission to transform the lives of our members and communities so close to our hearts. The best part is that as a Y-12 FCU member you become part of that mission. You can feel good knowing that every transaction, every loan, and every card swipe helps make a difference.

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Featured Rates

30-Year Mortgage

As Low As

2.750%

APR*

VISA Signature Rewards

11.49% - 18.00%

APR*

Signature Loan

As Low As

9.99%

APR*

Auto Loan 2015-2022

As Low As

2.74%

APR*

*Annual Percentage Rate

View all Rates