Earn More with Our High Yield Checking

New and Improved High Yield Checking!

Y-12 FCU is committed to maximizing the value we offer members. As a result, we've enhanced our checking account product line to include a new High Yield Checking with more rewards and financial benefits.

• 2.50%* Dividends paid $0 - $15,000

• 0.05%* Dividends paid $15,001 and up

Want to earn more? Membership in Y-12 Federal Credit Union is open to anyone who lives, works, worships, or attends school in the following counties in Tennessee: Anderson, Blount, Campbell, Knox, Loudon, Roane, Sevier, and Union. 


  • Free VISA Rewards Debit Card (1 point for every $4 spent for Signature based transactions only)
  • Free teller checks/money orders/cashier's checks
  • Free online and mobile banking, mobile deposit, and bill pay
  • Free teller checks/money orders/cashier's checks
  • One box of free standard checks annually
  • 2.50%* Dividends paid $0 - $15,000
  • 0.05%* Dividends paid $15,001 and up


$10 monthly fee waived, and dividends paid by meeting EACH of the following:

  • Receive eStatements


  • 20 debit and/or credit card monthly combined transactions


  • One of the following
    • Minimum $2,000 average daily share balance
    • Cumulative $1,000 monthly direct deposit

Requirements waived for teens and young adults age 14-23.

Ready to earn more money with your money?

We're here to help. With a High Yield Checking Account, you'll earn dividends that you can use for things you want out of life - like a dream vacation, a new car, or simply a bigger bank account balance.

Apply online now, give us a call, or visit your local branch to get started! For additional assistance with our High Yield Checking Account, you may contact us at (800) 482-1043.

Open a High Yield Checking Account

Move Your Account with ClickSWITCH

*Rates effective as of 6/15/21. Rate subject to change after account is opened. Fees may reduce earnings. Third party data or messaging rates may apply.