It's Like Getting Paid Twice

High Yield Checking

Has a checking account ever paid you this well? This one will.

Benefits of High Yield Checking Account:

  • Earn more with 2.50%* Dividends paid $0 - $15,000
  • FREE VISA Rewards Debit Card
  • Earn 1 point for every $4 spent on signature based transactions
  • FREE* online and mobile banking, mobile deposit, and bill pay
  • FREE box of standard checks each year
  • Switching is easy and fast

Open an Account

High Yield Checking Requirements 

$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.

Open Account

Not a member? Not a problem! 

You are eligible to join Y-12 Federal Credit Union if you live, work, worship or go to school in Anderson, Blount, Campbell, Knox, Loudon, Roane, Sevier or Union counties in East Tennessee, or if you have an immediate relative (parent, sibling, spouse, child, grandparent, grandchild, step-parent, step-sibling or step-child) who is already a member.

*APY is Annual Percentage Yield. 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. Direct Deposit consists of an electronic deposit of wages, pension and/or social security benefits.  Transfers of funds, Mobile Deposits, and deposits from payment vendors (PayPal, Venmo) do not qualify.