Y-12 Federal Credit Union

Headquarters

501 Lafayette Drive
Oak Ridge, TN 37831
See all branch locations →

Notable Rates	APY	Vs.Others
Savings	0.05%	4.60% →
1-Year CD	0.45%	4.59% →
2-Year CD	0.60%	4.00% →
5-Year CD	0.75%	4.00% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Membership
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2025 Overview

General Credit Union Information

Y-12 is an NCUA insured institution located in Oak Ridge, TN. It was founded in 1950 and has approximately $2311.61 millions in assets.

Who can join?

Membership in Y-12 Federal Credit Union is open to anyone who lives, works, worships, or attends school in the following counties:

Anderson, Loudon, Blount, Roane, Campbell, Sevier, Knox, Union

If you qualify for membership, members of your immediate family are also eligible.


NCUA Insured	Yes / Federally Chartered
Charter Number #	# 6775
Date Established	1950
Assets	$2,311.61 million
Loans	$1,816.13 million
Deposits	$1,801.61 million
Capital	$262.08 million

Field of Membership Restrictions

Membership in Y-12 Federal Credit Union is open to those who lives, works, worships, or attends school in Anderson, Loudon, Blount, Roane, Campbell, Sevier, Knox or Union counties in Tennessee.

Deposit Rates - December 14, 2025

Your Current Location: New York, NY 10116

Savings and Money Market Rates (Share Account Rates)	APY	MIN	MAX
Savings	0.05%	$2,500	$4,999	Learn More Reviews
Money Market	0.15%	$2,500	$2,999	Learn More Reviews
Money Market	0.15%	$10,000	$14,999	Learn More Reviews
Money Market	0.20%	$25,000	$29,999	Learn More Reviews

CD Rates (Share Certificate Rates)	APY	MIN	MAX
6 Mo CD	0.20%	$10,000	$14,999	Learn More Reviews
6 Mo CD	0.30%	$100,000	$199,999	Learn More Reviews
12 Mo CD	0.35%	$10,000	$14,999	Learn More Reviews
12 Mo CD	0.45%	$100,000	$199,999	Learn More Reviews
18 Mo CD	0.40%	$10,000	$14,999	Learn More Reviews
18 Mo CD	0.50%	$100,000	$199,999	Learn More Reviews
24 Mo CD	0.50%	$10,000	$14,999	Learn More Reviews
24 Mo CD	0.60%	$100,000	$199,999	Learn More Reviews
36 Mo CD	0.60%	$10,000	$14,999	Learn More Reviews
36 Mo CD	0.70%	$100,000	$199,999	Learn More Reviews
60 Mo CD	0.65%	$10,000	$14,999	Learn More Reviews
60 Mo CD	0.75%	$100,000	$199,999	Learn More Reviews

Variable IRA Rates	APY	MIN	MAX
Var IRA	0.10%	$1	$499	Learn MoreShow Less

Int Checking Rates	APY	MIN	MAX
Int Ckg	0.03%	$1	$99	Learn MoreShow Less
Int Ckg	0.03%	$2,500	$3,499	Learn MoreShow Less

Loan Rates - December 14, 2025

Your Current Location: New York, NY 10116

There are currently no loan rates available for Y-12

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - New York 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1907	0.000%	0.000%	0.00	$0	$0	Learn More
NMLS ID: 292473	5.872%	5.750%	0.75	$4,277	$1,868	Learn More
NMLS ID: 3030						Learn More

See More Mortgage Rates →

Featured - New York Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Figure Home Equity Line See Table	0.000 %	$0	Learn More More Info
The Figure Home Equity Line is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Approval may be granted in fi ve minutes but is ultimately subject to verifi cation of income and employment, as well as verifi cation that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary, and where loan amounts are under $400,000 which would not require an appraisal. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing, or that require a waiting period prior to closing, or where loan amounts exceed $400,000. #1 Non-bank HELOC in the US, A+ BBB Rating Access $15,000 to $750,000 in home equity with flexible terms Approval in as few as 5 minutes, funding in as few as 5 days Use to consolidate debt, finance your next home project, or major expenses
Reliant Home Funding, Inc See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.60% - 14.15*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(The advertised APR includes enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Consumers wishing to file a complaint against a mortgage company or a licensed residential mortgage loan originator should complete and send a complaint form to the Texas department of savings and mortgage lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage company. Relationships Rule: Transactions end, Relationships remain Accountability is Personal: Reflection before Projection Service through Knowledge: Great service means great understanding Evolve to Excel: We need to adapt and improve to succeed
Figure Home Equity See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period

See More Home Equity Rates →

Note to Y-12
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Branches

Below are Y-12 branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
New York City,New York

Y-12 Locations around zip code 10116

Branch	Distance	Map	View Lobby Hours
Y-12 FCU Sevierville Branch	606.52	A	View Lobby Hours
Y-12 FCU East Lafollette	613.23	B	View Lobby Hours
Y-12 FCU LaFollette Branch	617.75	C	View Lobby Hours
Y-12 FCU Clinton I/75 Branch	620.17	D	View Lobby Hours
Y-12 FCU North Knoxville Branch	622.45	E	View Lobby Hours
Y-12 FCU Clinton Branch	623.87	F	View Lobby Hours
Y-12 FCU Alcoa Branch	626.62	G	View Lobby Hours
Y-12 FCU Maryville Branch	630.16	H	View Lobby Hours
Y-12 FCU Hardin Valley Branch	630.53	I	View Lobby Hours
Y-12 FCU Oak Ridge Branch	632.65	J	View Lobby Hours
Y-12 FCU Farragut Branch	636.89	K	View Lobby Hours
Y-12 FCU Roane County Branch	652.01	L	View Lobby Hours

View Branches Nationwide →

Climate Policy and Initiatives

Y-12 is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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Financial Details

Y-12 Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Y-12. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio

Y-12	U.S. Average
5.47%	5.63

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2025, Y-12 had $14,107,243 in non-current loans and $776,340 in owned assets. To cover these potential losses it had $262,081,940 in net worth and $10,034,285 in loans loss reserves. That gives it a Texas Ratio of 5.47%.

Net Worth

Y-12	U.S. Average
11.33%	14.29%

Y-12 FCU has a net worth of 11.33% versus the BestCashCow average of 14.29. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for Y-12

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