Spend

EASY & FREE WITH ESTATEMENTS 

Everyday Checking 

This simple solution for financial ease comes with hassle-free banking and a side of effortless money management.

Open An Everyday Checking Account

EARN MORE & GET REWARDED 

High Yield Checking 

Enjoy top-tier dividends, convenient account access, and extra rewards to grow your balance effortlessly.

Open A High Yield Checking Account

Credit Cards

For rewards. For competitive rates. For establishing credit. We've got a credit card to fit your needs.

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Debit Cards

Our debit cards are designed to fit seamlessly into your lifestyle with convenience, security, and rewards.

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Savings Accounts

Whether you're just starting out, saving for the future, or giving your kids a head start, enjoy options tailored for you.

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•   Get Paid Early with Direct Deposit  

  Set up direct deposit and get your paycheck up to two days early.*
  
  
  
  *With Early Pay, we may make incoming electronic direct deposits made through the Automated Clearing House (ACH) available for use up to two days before the scheduled payment date. Not all direct deposits are eligible for Early Pay. Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Whether we make funds available early depends on when we receive the payor’s payment instructions, any limitations we set on the amount of early availability, and standard fraud prevention screening. Available for personal accounts only. Eligible direct deposits are limited to electronic direct deposits of items such as your payroll, pension, and government benefit payments made through the Automated Clearing House (ACH) to your personal account. Other deposits or credits to your account, such as deposits of funds from person-to-person payment services (e.g., Zelle®, Venmo, or PayPal transfers), FedNow, Real-Time Payments (RTP), check or mobile deposits, and other online transfers or electronic credits are not eligible for Early Pay.

•   Gain a Financial Wellness Toolbox  

  From one-on-one coaching to webinars, you'll be equipped with money tips, tricks, and tools.
   
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•   Switch Your Account Easily  

  ClickSWITCH will quickly and securely move direct deposits and recurring payments to your Y-12 Credit Union account.
  

  • Securely transfer recurring payments such as utilities, car payments, mortgage payments, and credit card payments.
  • Transfer direct deposits from your employer.
  • Notify auto-debit payees of your new account information.
  • Allow closing of your prior account
  • Receive real-time switch confirmation.

  
  
  Get Started

•   Access Fee-Free ATMs  

  Enjoy easy access to our 20,000+ fee-free ATM network.
  
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•   Bank On The Go  

  Access your accounts anytime, anywhere with our Digital Banking app.
  
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