CNS Employee Benefits
OUR SHARED LEGACY
Shared legacy. Bright futures.
More than 75 years ago, Y‑12 employees came together to create a credit union dedicated to helping their coworkers succeed financially. Today, we're still proud to serve the people behind Y‑12 and help them build brighter financial futures.
WHY CHOOSE Y-12 CREDIT UNION
EXCLUSIVE EMPLOYEE OFFERS
Enjoy exclusive offers for CNS employees.
Whether you're already a Y-12 Credit Union member or just getting started, a checking account with at least $1,000 in monthly direct deposits unlocks these exclusive offers — just use your employer-provided promo code at account opening.
BENEFITS
We're right here when you need us.
At Y-12 Credit Union, you'll find more than accounts and loans. You'll find a team that's committed to helping you succeed financially, whether you're just getting started or planning for what's next.
Banking where you work.
Access a convenient ATM on the first floor of the Jack Case Center, surcharge-free for Y-12 Credit Union members. Also, our team is on-site regularly to help.
People you can count on.
Our team is known for delivering friendly, personalized service.
Support close by.
Our main branch is located just one mile from the CNS complex.
Guidance for every stage of life.
From buying a first car to planning for retirement, we're here to help you make informed financial decisions.
FINANCIAL CONFIDENCE STARTS HERE
Start with your goals. We'll help with the how.
RESOURCES
Have more questions?
Offers are exclusively for direct-hire employees of CNS at the Y-12 National Security Complex. Offers will be evaluated annually and are subject to change without notice. APY is Annual Percentage Yield. APR is Annual Percentage Rate.
- The APYs for High Yield Checking, effective 04/13/2026, are: 3.50% for balances of $0 to $15,000.00; 0.05% for balances of $15,000.01 and over. Rates subject to change without notice after account opening. Fees may reduce earnings.
- High Yield Checking account required for High Yield Money Market. Must maintain a minimum average daily balance of $25,000 to earn dividends. The APY, effective 04/13/2026, is 3.50%. If High Yield Checking is closed, High Yield Money Market must be closed. Rates subject to change without notice after account opening. Fees may reduce earnings.
- If a qualifying direct deposit from CNS is not received for 90 consecutive days, normal qualifications must be met to waive fees and earn high-yield dividends.
- Visa Signature Rewards Credit Card APR is discounted 5.00 percentage points below the standard qualified rate, which is determined by credit score and underwriting qualification. Rates are variable and may change without notice. Subject to credit approval. If CNS direct deposit is not received for 90 consecutive days, rate will revert to the current qualified rate.
- APY and dividend rates are accurate as of 04/13/2026. The bonus is applied directly to the standard base rate of any eligible share certificate at account opening. 6-Month Promo Certificate Example: Standard rate of 3.687% Dividend Rate (3.75% APY) plus the 0.25% bonus results in a 3.937% Dividend Rate and a 4.01% APY. Minimum balance to open the 6-Month Promo and earn the advertised APY is $500. Dividends are compounded monthly and credited monthly. A penalty may be imposed for early withdrawal, which could reduce earnings on the account. Fees could reduce earnings.
- First payment due no later than 90 days after loan funding for qualified loans; interest accrual begins on date of funding. Existing Y-12 Credit Union loans excluded. Rate pricing based on credit score, term, and age of collateral. Loans subject to credit approval.
- A minimum recurring direct deposit of $1,000 monthly must be posted to your new checking account two times within 90 days of account opening. Once the 90-day account opening period has elapsed, eligible accounts will receive the $500 bonus on the last day of the month. Limit one per member. Existing checking accounts do not qualify. Additional exclusions apply. Commercial and Opportunity Checking accounts are excluded from this offer.
- New cardholders only. Maximum one cash bonus and introductory rate offer per member. Introductory rate of 0.00% APR applies on purchases for 12 months from date of account opening. After that, the discounted CNS variable APR for purchases will be applied. As of 01/15/2026, the standard variable APR is 14.99% to 18.00% , based on your creditworthiness. Membership required.
- Cardholders qualify for 20,000 Visa Signature Rewards card bonus points if they make at least $1,000 in purchases in the first 90 days.
