How To Make Your Loan Payment

Make a Payment from a Y-12 FCU Account

 To pay your loan, credit card, or mortgage from a Y-12 FCU account, just log in to online banking or mobile banking and choose Transfer from the menu. 

Online Banking

Mobile Banking

Make a Payment from Another Financial Institution

You can pay your loan payment online using your debit or credit card from another credit union or bank. 

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

Loan or Credit Card Payment

Mortgage Payment       

Student Loan Payment


Mail your check with loan number to:

Y-12 Federal Credit Union

P.O. Box 2512

Oak Ridge, TN 37831

Use our automated  Member Audio Response System (Mars) telephone attendant by calling 865-482-1043, choosing option 4.

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

All branch locations accept loan payments in person inside the branch and in our drive-thrus. 

*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.