Your Financial Wellness Partner


Our Y-Fi @ Work program will help your employees feel supported and equipped to make the most of their careers and financial futures.

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BENEFITS


Financial confidence starts here.


  FOR EMPLOYEES 

Financial Wellness

Financial literacy customized to your needs
Instructor-led training offered onsite or virtually
Self-directed online modules
Online financial counseling provided 24/7




  FOR EMPLOYEES 

Banking Features

  • $300 bonus for a new checking account with a minimum $500 recurring direct deposit1
    .25% rate discount on qualified consumer lending products4
    .25% rate increase on qualified certificate products5
  • Enjoy 16 branches spanning eight counties in East Tennessee and more than 35,000 fee-free co-op ATMs nationwide.
    Access Personal Teller Machines that provide extended drive-thru hours.
    Our Digital Banking app is equipped to handle all banking needs, including Mobile Deposit.
    Video Banking makes managing accounts easy from your place or ours.



  FOR EMPLOYERS 

Partnership Perks 

Turn-Key Guidance
Step-by-step instructions so you know what to expect.
Experienced Speakers
Engagement designed to inspire and ignite a passion in your employees to be financially confident.
Tracking and Follow-Up Reporting
See the value with routine employee feedback and program monitoring.

NEXT STEPS

A trusted partner for your financial journey.


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*Offers are exclusively for employees of Y-12 FCU Workplace Financial Wellness partners. Subject to change without notice. Insured by NCUA.

1. At the end of the 6th month after account opening, qualifications must be met to waive the $5 monthly fee and earn high yield dividends. See #3 for qualifications. 

2. At the end of the 6th month after account opening, qualifications must be met to continue receiving Loyalty Relationship Reward benefits. See y12fcu.org/loyalty-rewards for details. 

3. A minimum recurring Direct Deposit of $500 monthly must be posted to your new checking account two times within 90 days of account opening in order to be eligible for bonus. Once the 90-day account opening period has elapsed, eligible accounts will receive the $300 bonus on the last day of the month. Limit one per member. Current members with an existing checking account do not qualify. Checking account must be opened between 4/01/2023 and 12/31/2023 in order to be eligible for bonus. APY is Annual Percentage Yield. The APY for Everyday Checking, effective 11/01/2023, is 0.05%. The APY for High Yield Checking, effective 11/01/2023, is 4.00% for balances of $0 to $15,000; 0.05% for balances of $15,000.01 and above. Offer can expire anytime without prior notice. Additional exclusions apply. Rates subject to change without notice. Commercial and opportunity checking accounts are excluded from this offer. To learn more about High Yield Checking, visit y12fcu.org/high-yield-checking. 

4. Rate cannot go below floor rate of 3.99% APR. Mortgage, home equity, lines of credit, credit cards, and existing Y-12 FCU loans are excluded. Cannot be combined with other offers. Maximum interest rate is 18%. Rate pricing based on credit score, term, and age of collateral. Loans subject to credit approval. 

5. Rate bump is available for standard certificate offerings. Promotional rate certificates are excluded. Cannot be combined with other offers.

6. 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.