Big Rate. Small Term.

 Earn 5.20% APY

With A 9-Month Share Certificate




New Money

Not a member? No problem!

You are eligible to open an account if you:

Are a member of our Y-12 FCU Gives Foundation. It's easy to join! 
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Live, work, worship, or go to school in Anderson, Blount, Campbell, Knox, Loudon, Roane, Sevier, or Union counties.
Have an immediate relative (parent, sibling, spouse, child, grandparent, grandchild, step-parent, step-sibling, or step-child) who is already a member .

Not one penny of insured savings has ever been lost by a member of a federally insured credit union.

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What's the Difference Between a Share Certificate and a CD?

Credit unions (not-for-profit) offer share certificates, while banks (for profit) have CDs.
Both are low-risk accounts.
Both securely grow your money over a fixed time period.

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We are rated five stars and recommended by BauerFinancial.

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*Minimum balance to receive advertised rate is $25,000. Rate accurate as of 5/10/2023 and require new money not transferred from an existing Y-12 FCU account. APY is Annual Percentage Yield. Rates subject to change without notice. Penalties may apply for early withdrawal. At maturity, accounts automatically renew at current rate unless changes are made during 7-day grace period. Federally insured by NCUA.