Loan Payment Center

Need to make a loan payment? No worries! 

Here are six easy ways to make your next payment.

1. Digital Banking

From Your Y-12 FCU Account
Pay from your browser or app.

1. Log into Digital Banking.
2. Select Transfer from the Pay/Transfer menu.
3. Choose the account you would like to pay from and the loan or credit card account you would like to pay.
4. Enter the date, amount, and optional recurring settings.
5. Select Make Transfer.

2. Payment Center

From Another Financial Institution1
Make your loan payment online using the links below. 

Loan or Credit Card Payment2
Mortgage Payment
Student Loan Payment


Pay by calling our Member Engagement Center at 800-482-1043 and choosing option 4. 

If it is after credit union hours, please call us at 888-339-0398 to make a payment using your account and routing number.


All branch locations accept loan payments in person and at our drive-thru PTMs.


Mail your check and loan number to:

Y-12 Federal Credit Union
P.O. Box 2512
Oak Ridge, TN 37831


All branch locations offer an overnight deposit. Loan payments will be applied the next day.

1. A change in NACHA (National Automated Clearing House Association) authentication rules will require members to enter their online banking credentials when making an online payment from another financial institution. Learn how to validate your account using the video links below. 
ACH Web Validation User Experience Video | ACH Web Validation Alternative Path Video

2. A $4.95 convenience fee will be applied to one-time payments from another institution.