• Eat at your favorite restaurants and receive double rewards points!

    Receive double points at your favorite restaurants beginning July 30th until August 5th when you use your Y-12 FCU Rewards debit or Visa Signature credit card.  

    Learn more
  • Welcome! We are glad you stopped by.

    We have redesigned our website to create a more user-friendly experience with easier navigation and robust resources. Take a look around and see what the WOW experience is all about!

  • 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.

    Learn More
  • We know your time is very important.

    You can now schedule an appointment at your local branch.

    Learn More

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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

2.75%

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