Welcome to Y-12 Credit Union

We are here to transform lives.
You have goals. You have plans. And you have your whys. We're here to bring the how to every one of them.

Become A Member

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OUR MEMBERSHIP

Becoming a member is as easy as 1, 2, 3.

Here's how:

1. Tell us how you're eligible.

During your application, we'll ask which of the many ways you're eligible for membership.

2. Fill out your info.

Go ahead and gather a few things like your driver's license and Social Security number.

3. Set up your account.

With your current institution's info in hand, you can fund your account right away.

Become A Member

There are multiple ways you could be eligible for membership:

Mother and daughters taking a selfie.COMMUNITY 

We serve many communities across the southeast U.S. 

See if you are eligible based on your home, work, church, or school address.

Street
CityStateZip Code
Mother and daughters taking a selfie.IMMEDIATE FAMILY 

If you have an immediate family member who is already a member, you're automatically eligible.

This includes a parent, sibling, child, spouse, grandparent, grandchild, step-parent, step-sibling, or step-child.

Business woman shaking someone's hand.PARTNERSHIP 

We partner with many businesses and organizations to extend opportunities to current or retired employees.

You can select your business or organization partner within the membership application.

Mother and daughters taking a selfie.FOUNDATION 

If you don't qualify through another option, you can join the Y-12 FCU Gives Foundation and become eligible for Credit Union membership. 

We will make a one-time donation on your behalf to the Foundation's mission of fighting childhood hunger. Visit y12fcugives.org to learn more about our Foundation.

OUR COMMITTMENT

We are proud to be a CDFI!

As a Community Development Financial Institution (CDFI), we are part of the certified effort to expanding economic opportunity in low-income communities by providing access to financial products and services for local residents and businesses.

Learn MoreEqual Opportunity for All

OUR ROLE

You are our why. We are:

  • Unlike banks, which are owned and managed by corporate shareholders, we are owned by the people who use our services (AKA our members). Membership is based on a communal bond called the "field of membership." Our decisions are made with members in mind.

  • Our profits are returned to members in various forms, such as reduced fees, higher deposit rates, and lower loan rates, whereas banks' profits return to shareholders.
  • With us, your deposits are federally insured up to $250,000 by the NCUA.

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  • We equip our members and communities with the tools and resources to make money management easy.

    In addition, we are proud to support our communities with our Bill T. Hicks Scholarship Program for students and our Y-12 FCU Gives Foundation with a mission of ending childhood hunger. 


Hear it from our members.


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"I have always been treated with the utmost courtesy and kindness at this branch. Service was excellent. I never imagined that a simple request to make a deposit in my checking and savings, and to obtain a debit card could be handled so easily and quickly. They even made my card for me right there! Keep up the good work and thank you so much!"

Darla B.


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"Always friendly service from the staff. A+++ "

Gaye L.


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"Always had a positive experience any time I had to call into Y12, the staff were always professional and helpful in assisting in problem resolving issues with the loan and its status. They were all able to resolve any concerns and answer all questions, to my satisfaction."

Laura G.

FREQUENTLY ASKED QUESTIONS

You may be asking...

  • You're eligible to join if you:
    • Are a current or retired employee from one of the many businesses and organizations Y-12 Credit Union partners with in the U.S.
    • Are an immediate family member of a current Y-12 Credit Union member
    • Live, work, worship, or attend school in one of our eligible communities. Our address look-up tool can help!
    • If you are not eligible through another option, you can join our Y-12 FCU Gives Foundation and become eligble for Y-12 Credit Union membership. The Foundation's mission is to end childhood hunger, and it serves communities through volunteer work, grants, and resource efforts.


  • With your application, we'll ask for information for each applicant like:
    • Social Security Number (SSN) or ITIN
    • Driver's license or government-issued photo ID
    • Personal information like birthday, phone number, address, and email


  • Nope, there are no membership fees at Y-12 Credit Union.

  • Oh yeah! Explore our locations here. In addition, we offer Personal Teller Machines (PTMs) with two-way video chat and extended hours.

    • Flexibility means having options. Manage your accounts in a branch, online, over the phone, through chat, in-app, with Video Banking, and more.
    • With our nationwide co-op ATM network, say goodbye to ATM fees and surcharges.
    • As a credit union, we make decisions with a member-first approach. Your success is our success.
    • Switching your account from another institution won't be a headache. Our free online tool, ClickSWITCH, will securely transfer direct deposits and recurring payments to your Y-12 Credit Union account.
    • From financial wellness tools to tips and tricks, take advantage of a supportive team that has your back and wants to see you succeed.


Feel Safe & Secure

We are rated five stars and recommended by BauerFinancial.

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RESOURCES

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Become A Member Online

Open your account within five minutes.

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Video Banking

Open your account with a video consultant.

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Branch Locations

We'd love to see you.

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