What are the current interest rates at Y-12 Federal Credit Union?

Current rates for Y-12 Federal Credit Union include: 12-Month CD: 0.10%, 18-Month CD: 0.25%, 24-Month CD: 2.75%, Savings: 2.00%, MMA: 3.50%

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Y-12 Federal Credit Union

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Y-12 Federal Credit Union Rates & Review October 2026

Q: Is a member application needed to join Y-12 Federal Credit Union?

Yes, to access services at Y-12 Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Y-12 Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Y-12 Federal Credit Union's top rates as of October 12, 2026 are 4.75% APY on its 12 Month Business CDs PROMO CD, 2.00% APY on savings, 3.50% APY on money market accounts, 3.50% APY on checking, 5.50% on its 5/5 30-Year Adjustable Rate Mortgage, personal loans from 12.49% APR, and credit cards from 12.49% APR, according to rates verified by MonitorBankRates. Other Y-12 Federal Credit Union CD rates include 12 Month CD PROMO at 4.75%, 18 Month Business CDs PROMO at 4.75%, and 18 Month CD PROMO at 4.75%. Other Y-12 Federal Credit Union mortgage rates include 15/15 30-Year Adjustable Rate Mortgage at 5.99%, 30-Year Fixed at 6.74%, and 15-Year Fixed Mortgage at 6.75%. MonitorBankRates evaluates the financial stability of Y-12 Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.67%. Rates last updated and verified on 10/12/2026.

Y-12 Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Y-12 Federal Credit Union? Share your experience about Y-12 Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Y-12 Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.67%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Y-12 Federal Credit Union
Y-12 FCU Oak Ridge Branch

501 Lafayette Dr
Oak Ridge, TN 37830-7909

https://www.y12fcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Y-12 Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month Share Certificate PROMO	4.65%	4.75%	12 Months
Min Balance $50,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
18 Month Share Certificate PROMO	4.65%	4.75%	18 Months
Min Balance $50,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
6 Month Share Certificate PROMO	4.65%	4.75%	6 Months
Min Balance $50,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
18 Month Jumbo Certificate	3.203%	3.25%	18 Months
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
18 Month ROTH IRA Jumbo Certificate	3.203%	3.25%	18 Months
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
18 Month ROTH IRA Share Certificate	3.203%	3.25%	18 Months
Min Balance $50,000 Details Balance: $50,000-99,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
18 Month ROTH IRA Share Certificate	3.203%	3.25%	18 Months
Min Balance $10,000 Details Balance: $10,000-49,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
18 Month ROTH IRA Share Certificate	3.203%	3.25%	18 Months
Min Balance $500 Details Balance: $500-9,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
18 Month Share Certificate	3.203%	3.25%	18 Months
Min Balance $50,000 Details Balance: $50,000-99,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
18 Month Share Certificate	3.203%	3.25%	18 Months
Min Balance $10,000 Details Balance: $10,000-49,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
18 Month Share Certificate	3.203%	3.25%	18 Months
Min Balance $500 Details Balance: $500-9,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
18 Month Traditional IRA Jumbo Certificate	3.203%	3.25%	18 Months
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
18 Month Traditional IRA Share Certificate	3.203%	3.25%	18 Months
Min Balance $50,000 Details Balance: $50,000-99,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
18 Month Traditional IRA Share Certificate	3.203%	3.25%	18 Months
Min Balance $10,000 Details Balance: $10,000-49,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
18 Month Traditional IRA Share Certificate	3.203%	3.25%	18 Months
Min Balance $500 Details Balance: $500-9,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
24 Month Education IRA Jumbo Certificate	2.716%	2.75%	24 Months
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
24 Month Education IRA Share Certificate	2.716%	2.75%	24 Months
Min Balance $50,000 Details Balance: $50,000-99,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
24 Month Education IRA Share Certificate	2.716%	2.75%	24 Months
Min Balance $10,000 Details Balance: $10,000-49,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
24 Month Education IRA Share Certificate	2.716%	2.75%	24 Months
Min Balance $500 Details Balance: $500-9,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
24 Month Jumbo Certificate	2.716%	2.75%	24 Months
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
24 Month ROTH IRA Jumbo Certificate	2.716%	2.75%	24 Months
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
24 Month ROTH IRA Share Certificate	2.716%	2.75%	24 Months
Min Balance $500 Details Balance: $500-9,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
24 Month ROTH IRA Share Certificate	2.716%	2.75%	24 Months
Min Balance $50,000 Details Balance: $50,000-99,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
24 Month ROTH IRA Share Certificate	2.716%	2.75%	24 Months
Min Balance $10,000 Details Balance: $10,000-49,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
24 Month Share Certificate	2.716%	2.75%	24 Months
Min Balance $50,000 Details Balance: $50,000-99,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
24 Month Share Certificate	2.716%	2.75%	24 Months
Min Balance $10,000 Details Balance: $10,000-49,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
24 Month Share Certificate	2.716%	2.75%	24 Months
Min Balance $500 Details Balance: $500-9,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
24 Month Traditional IRA Jumbo Certificate	2.716%	2.75%	24 Months
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
24 Month Traditional IRA Share Certificate	2.716%	2.75%	24 Months
Min Balance $50,000 Details Balance: $50,000-99,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
24 Month Traditional IRA Share Certificate	2.716%	2.75%	24 Months
Min Balance $10,000 Details Balance: $10,000-49,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
24 Month Traditional IRA Share Certificate	2.716%	2.75%	24 Months
Min Balance $500 Details Balance: $500-9,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
12 Month Education IRA Jumbo Certificate	0.549%	0.55%	12 Months
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.55% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
12 Month Education IRA Share Certificate	0.549%	0.55%	12 Months
Min Balance $50,000 Details Balance: $50,000-99,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
12 Month Education IRA Share Certificate	0.549%	0.55%	12 Months
Min Balance $10,000 Details Balance: $10,000-49,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
12 Month Education IRA Share Certificate	0.549%	0.55%	12 Months
Min Balance $500 Details Balance: $500-9,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
12 Month Jumbo Certificate	0.549%	0.55%	12 Months
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
12 Month ROTH IRA Jumbo Certificate	0.549%	0.55%	12 Months
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
12 Month ROTH IRA Share Certificate	0.549%	0.55%	12 Months
Min Balance $50,000 Details Balance: $50,000-99,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
12 Month ROTH IRA Share Certificate	0.549%	0.55%	12 Months
Min Balance $10,000 Details Balance: $10,000-49,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
12 Month ROTH IRA Share Certificate	0.549%	0.55%	12 Months
Min Balance $500 Details Balance: $500-9,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
12 Month Share Certificate	0.549%	0.55%	12 Months
Min Balance $50,000 Details Balance: $50,000-99,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
12 Month Share Certificate	0.549%	0.55%	12 Months
Min Balance $10,000 Details Balance: $10,000-49,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
12 Month Share Certificate	0.549%	0.55%	12 Months
Min Balance $500 Details Balance: $500-9,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
12 Month Traditional IRA Jumbo Certificate	0.549%	0.55%	12 Months
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
12 Month Traditional IRA Share Certificate	0.549%	0.55%	12 Months
Min Balance $50,000 Details Balance: $50,000-99,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
12 Month Traditional IRA Share Certificate	0.549%	0.55%	12 Months
Min Balance $10,000 Details Balance: $10,000-49,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
12 Month Traditional IRA Share Certificate	0.549%	0.55%	12 Months
Min Balance $500 Details Balance: $500-9,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
19 Month Jumbo Certificate	0.399%	0.40%	19 Months
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
19 Month ROTH IRA Jumbo Certificate	0.399%	0.40%	19 Months
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
19 Month Traditional IRA Jumbo Certificate	0.399%	0.40%	19 Months
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
6 Month Education IRA Jumbo Certificate	0.399%	0.40%	6 Months
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
6 Month Education IRA Share Certificate	0.399%	0.40%	6 Months
Min Balance $50,000 Details Balance: $50,000-99,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
6 Month Education IRA Share Certificate	0.399%	0.40%	6 Months
Min Balance $10,000 Details Balance: $10,000-49,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
6 Month Education IRA Share Certificate	0.399%	0.40%	6 Months
Min Balance $500 Details Balance: $500-9,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
6 Month Jumbo Certificate	0.399%	0.40%	6 Months
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
6 Month ROTH IRA Jumbo Certificate	0.399%	0.40%	6 Months
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
6 Month ROTH IRA Share Certificate	0.399%	0.40%	6 Months
Min Balance $50,000 Details Balance: $50,000-99,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
6 Month ROTH IRA Share Certificate	0.399%	0.40%	6 Months
Min Balance $10,000 Details Balance: $10,000-49,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
6 Month ROTH IRA Share Certificate	0.399%	0.40%	6 Months
Min Balance $500 Details Balance: $500-9,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
6 Month Share Certificate	0.399%	0.40%	6 Months
Min Balance $50,000 Details Balance: $50,000-99,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
6 Month Share Certificate	0.399%	0.40%	6 Months
Min Balance $10,000 Details Balance: $10,000-49,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
6 Month Share Certificate	0.399%	0.40%	6 Months
Min Balance $500 Details Balance: $500-9,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
6 Month Traditional IRA Jumbo Certificate	0.399%	0.40%	6 Months
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
6 Month Traditional IRA Share Certificate	0.399%	0.40%	6 Months
Min Balance $50,000 Details Balance: $50,000-99,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
6 Month Traditional IRA Share Certificate	0.399%	0.40%	6 Months
Min Balance $10,000 Details Balance: $10,000-49,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
6 Month Traditional IRA Share Certificate	0.399%	0.40%	6 Months
Min Balance $500 Details Balance: $500-9,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
19 Month ROTH IRA Share Certificate	0.349%	0.35%	19 Months
Min Balance $50,000 Details Balance: $50,000-99,999 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 0.40% → 0.35% ▼ 0.05 pts · high 0.40% / low 0.35% Oct 4, 20260.35%▼ from 0.40% Sep 25, 20260.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
19 Month Share Certificate	0.349%	0.35%	19 Months
Min Balance $50,000 Details Balance: $50,000-99,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
19 Month Traditional IRA Share Certificate	0.349%	0.35%	19 Months
Min Balance $50,000 Details Balance: $50,000-99,999 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 0.40% → 0.35% ▼ 0.05 pts · high 0.40% / low 0.35% Oct 4, 20260.35%▼ from 0.40% Sep 25, 20260.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
19 Month ROTH IRA Share Certificate	0.30%	0.30%	19 Months
Min Balance $10,000 Details Balance: $10,000-49,999 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 0.40% → 0.30% ▼ 0.10 pts · high 0.40% / low 0.30% Oct 4, 20260.30%▼ from 0.40% Sep 25, 20260.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
19 Month Share Certificate	0.30%	0.30%	19 Months
Min Balance $10,000 Details Balance: $10,000-49,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
19 Month Traditional IRA Share Certificate	0.30%	0.30%	19 Months
Min Balance $10,000 Details Balance: $10,000-49,999 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 0.40% → 0.30% ▼ 0.10 pts · high 0.40% / low 0.30% Oct 4, 20260.30%▼ from 0.40% Sep 25, 20260.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
13 Month Education IRA Jumbo Certificate	0.25%	0.25%	13 Months
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
13 Month Jumbo Certificate	0.25%	0.25%	13 Months
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
13 Month ROTH IRA Jumbo Certificate	0.25%	0.25%	13 Months
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
13 Month Traditional IRA Jumbo Certificate	0.25%	0.25%	13 Months
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
19 Month ROTH IRA Share Certificate	0.25%	0.25%	19 Months
Min Balance $500 Details Balance: $500-9,999 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 0.40% → 0.25% ▼ 0.15 pts · high 0.40% / low 0.25% Oct 4, 20260.25%▼ from 0.40% Sep 25, 20260.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
19 Month Share Certificate	0.25%	0.25%	19 Months
Min Balance $500 Details Balance: $500-9,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
19 Month Traditional IRA Share Certificate	0.25%	0.25%	19 Months
Min Balance $500 Details Balance: $500-9,999 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 0.40% → 0.25% ▼ 0.15 pts · high 0.40% / low 0.25% Oct 4, 20260.25%▼ from 0.40% Sep 25, 20260.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
13 Month Education IRA Share Certificate	0.20%	0.20%	13 Months
Min Balance $50,000 Details Balance: $50,000-99,999 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 0.25% → 0.20% ▼ 0.05 pts · high 0.25% / low 0.20% Oct 4, 20260.20%▼ from 0.25% Sep 25, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
13 Month ROTH IRA Share Certificate	0.20%	0.20%	13 Months
Min Balance $50,000 Details Balance: $50,000-99,999 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 0.25% → 0.20% ▼ 0.05 pts · high 0.25% / low 0.20% Oct 4, 20260.20%▼ from 0.25% Sep 25, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
13 Month Share Certificate	0.20%	0.20%	13 Months
Min Balance $50,000 Details Balance: $50,000-99,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
13 Month Traditional IRA Share Certificate	0.20%	0.20%	13 Months
Min Balance $50,000 Details Balance: $50,000-99,999 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 0.25% → 0.20% ▼ 0.05 pts · high 0.25% / low 0.20% Oct 4, 20260.20%▼ from 0.25% Sep 25, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
13 Month Education IRA Share Certificate	0.15%	0.15%	13 Months
Min Balance $10,000 Details Balance: $10,000-49,999 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 0.25% → 0.15% ▼ 0.10 pts · high 0.25% / low 0.15% Oct 4, 20260.15%▼ from 0.25% Sep 25, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
13 Month ROTH IRA Share Certificate	0.15%	0.15%	13 Months
Min Balance $10,000 Details Balance: $10,000-49,999 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 0.25% → 0.15% ▼ 0.10 pts · high 0.25% / low 0.15% Oct 4, 20260.15%▼ from 0.25% Sep 25, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
13 Month Share Certificate	0.15%	0.15%	13 Months
Min Balance $10,000 Details Balance: $10,000-49,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
13 Month Traditional IRA Share Certificate	0.15%	0.15%	13 Months
Min Balance $10,000 Details Balance: $10,000-49,999 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 0.25% → 0.15% ▼ 0.10 pts · high 0.25% / low 0.15% Oct 4, 20260.15%▼ from 0.25% Sep 25, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
13 Month Education IRA Share Certificate	0.10%	0.10%	13 Months
Min Balance $500 Details Balance: $500-9,999 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 0.25% → 0.10% ▼ 0.15 pts · high 0.25% / low 0.10% Oct 4, 20260.10%▼ from 0.25% Sep 25, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
13 Month ROTH IRA Share Certificate	0.10%	0.10%	13 Months
Min Balance $500 Details Balance: $500-9,999 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 0.25% → 0.10% ▼ 0.15 pts · high 0.25% / low 0.10% Oct 4, 20260.10%▼ from 0.25% Sep 25, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
13 Month Share Certificate	0.10%	0.10%	13 Months
Min Balance $500 Details Balance: $500-9,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
13 Month Traditional IRA Share Certificate	0.10%	0.10%	13 Months
Min Balance $500 Details Balance: $500-9,999 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 0.25% → 0.10% ▼ 0.15 pts · high 0.25% / low 0.10% Oct 4, 20260.10%▼ from 0.25% Sep 25, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%

Y-12 Federal Credit Union Business CD Rates

Product	Rate	APY	Term
12 Month Business Share Certificates PROMO	4.65%	4.75%	12 Months
Min Deposit $50,000 Details Promo; 25% of opening deposit must be new money; penalty for early withdrawal; at maturity converts to regular certificate Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
18 Month Business Share Certificates PROMO	4.65%	4.75%	18 Months
Min Deposit $50,000 Details Promo; 25% of opening deposit must be new money; penalty for early withdrawal; at maturity converts to regular certificate Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
6 Month Business Share Certificates PROMO	4.65%	4.75%	6 Months
Min Deposit $50,000 Details Promo; 25% of opening deposit must be new money; penalty for early withdrawal; at maturity converts to regular certificate Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
18 Month Business Share Certificates	3.203%	3.25%	18 Months
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
18 Month Business Share Certificates	3.203%	3.25%	18 Months
Min Balance $50,000 Details Balance: $50,000-99,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
18 Month Business Share Certificates	3.203%	3.25%	18 Months
Min Balance $10,000 Details Balance: $10,000-49,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
18 Month Business Share Certificates	3.203%	3.25%	18 Months
Min Balance $500 Details Balance: $500-9,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
24 Month Business Share Certificates	2.716%	2.75%	24 Months
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
24 Month Business Share Certificates	2.716%	2.75%	24 Months
Min Balance $50,000 Details Balance: $50,000-99,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
24 Month Business Share Certificates	2.716%	2.75%	24 Months
Min Balance $10,000 Details Balance: $10,000-49,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
24 Month Business Share Certificates	2.716%	2.75%	24 Months
Min Balance $500 Details Balance: $500-9,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
12 Month Business Share Certificates	0.549%	0.55%	12 Months
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
12 Month Business Share Certificates	0.549%	0.55%	12 Months
Min Balance $50,000 Details Balance: $50,000-99,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
12 Month Business Share Certificates	0.549%	0.55%	12 Months
Min Balance $10,000 Details Balance: $10,000-49,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
12 Month Business Share Certificates	0.549%	0.55%	12 Months
Min Balance $500 Details Balance: $500-9,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
6 Month Business Share Certificates	0.399%	0.40%	6 Months
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
6 Month Business Share Certificates	0.399%	0.40%	6 Months
Min Balance $50,000 Details Balance: $50,000-99,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
6 Month Business Share Certificates	0.399%	0.40%	6 Months
Min Balance $10,000 Details Balance: $10,000-49,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
6 Month Business Share Certificates	0.399%	0.40%	6 Months
Min Balance $500 Details Balance: $500-9,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
13 Month Business Share Certificates	0.25%	0.25%	13 Months
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
13 Month Business Share Certificates	0.20%	0.20%	13 Months
Min Balance $50,000 Details Balance: $50,000-99,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
13 Month Business Share Certificates	0.15%	0.15%	13 Months
Min Balance $10,000 Details Balance: $10,000-49,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
13 Month Business Share Certificates	0.10%	0.10%	13 Months
Min Balance $500 Details Balance: $500-9,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
3 Month Business Share Certificates	0.05%	0.05%	3 Months
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
3 Month Business Share Certificates	0.05%	0.05%	3 Months
Min Balance $50,000 Details Balance: $50,000-99,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
3 Month Business Share Certificates	0.05%	0.05%	3 Months
Min Balance $10,000 Details Balance: $10,000-49,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
3 Month Business Share Certificates	0.05%	0.05%	3 Months
Min Balance $500 Details Balance: $500-9,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%

Y-12 Federal Credit Union Savings Rates

Product	Rate	APY
Jump Start Savings	2.00%	2.00%
Min Balance $0 Details Ages: 0-17; Balance: $0.00 - $5,000.00; Requires parent or legal guardian as joint owner; balance of $5,000.01 and more earns regular share savings rate of 0.05% APY Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
Education Club	0.10%	0.10%
Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
Health Savings Club	0.10%	0.10%
Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
Roth Club	0.10%	0.10%
Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
Christmas Club	0.05%	0.05%
Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
Savings Primary Share	0.05%	0.05%
Min Balance $1 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
Vacation Club	0.05%	0.05%
Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%

Y-12 Federal Credit Union Money Market Rates

Product	Rate	APY
High Yield Money Market	3.445%	3.50%
Min Balance $25,000 Details Qualifications Required; Balance: $25,000 and over; Requires High Yield Checking; 1.00% APY for average daily balances $25,000 and over if High Yield Checking requirements are not met (not extracted) Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
Money Market Plus	3.445%	3.50%
Min Balance $500,000 Details Balance: $500,000 and over Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
Money Market Plus	0.996%	1.00%
Min Balance $250,000 Details Balance: $250,000-$499,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
Money Market Plus	0.748%	0.75%
Min Balance $50,000 Details Balance: $50,000-249,999; dividends calculated daily, compounded quarterly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
Money Market	0.30%	0.30%
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
Money Market	0.25%	0.25%
Min Balance $75,000 Details Balance: $75,000-99,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
Money Market	0.20%	0.20%
Min Balance $25,000 Details Balance: $25,000-74,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
Money Market	0.15%	0.15%
Min Balance $2,500 Details Balance: $2,500-24,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%

Y-12 Federal Credit Union Checking Rates

Product	Rate	APY	View More
High Yield Checking	3.445%	3.50%
Min Balance $0 Details Qualifications Required; Balance: $0.00 - $15,000.00; Dividends calculated daily, compounded monthly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%

Y-12 Federal Credit Union Business Checking Rates

Product	Rate	APY
Advantage Business Checking	0.10%	0.10%
Min Balance $5,000 Details Balance: $5,000 and up; Subject to change: Monthly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
Premier Business Checking	0.10%	0.10%
Min Balance $5,000 Details Balance: $5,000 and up; Subject to change: Monthly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
Premier Business Checking	0.05%	0.05%
Min Balance $0 Details Balance: $0-4,999; Subject to change: Monthly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
Advantage Business Checking	0.03%	0.03%
Min Balance $1,500 Details Balance: $1,500-$4,999; Subject to change: Monthly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%

Y-12 Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
5/5 30-Year Adjustable Rate Mortgage	5.50%	-	5.613%	30 years
Details Origination Fee: 1.00%; Adjustable rate tied to 10-Year CMT index Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.61% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
15/15 30-Year Adjustable Rate Mortgage	5.99%	-	6.108%	30 years
Details Origination Fee: 1.00%; Adjustable rate tied to 10-Year CMT index Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.11% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
30-Year Fixed	-	-	6.744%	30 years
Details As Low As; Featured Rates carousel; APR shown only Last Updated 10/12/2026 Rate History 6 changes since Sep 14, 2026 · 6.87% → 6.74% ▼ 0.13 pts · high 7.63% / low 6.74% Oct 12, 20266.74%▼ from 7.50% Oct 8, 20267.50%▲ from 7.25% Oct 4, 20267.25%▼ from 7.63% Oct 2, 20267.63%▲ from 7.25% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
15-Year Fixed Mortgage	6.75%	-	6.75%	15 years
Details Origination Fee: 1.00% Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50% Sep 25, 20266.75%▲ from 6.50% Sep 17, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
30-Year Fixed Mortgage	7.25%	-	7.25%	30 years
Details Origination Fee: 1.00% Last Updated 10/12/2026 Rate History 3 changes since Sep 14, 2026 · 6.75% → 7.25% ▲ 0.50 pts · high 7.25% / low 6.75% Oct 12, 20267.25%▲ from 7.13% Sep 25, 20267.13%▲ from 7.00% Sep 17, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%

Y-12 Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Line of Credit - Minimum Payment	-	-	6.75%
Details As Low As; Rate: Prime - 0.25%; Variable, Revolving; Monthly Payment: Minimum $25 or 1.25% of the principal balance as of the time of the draw, whichever is greater Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
Home Equity Line of Credit - Interest-Only Adjustable Rate	-	-	7.25%
Details As Low As; Rate: Prime + 0.25%; Variable, Revolving; Monthly payment is the interest accrued Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%

Y-12 Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
Auto Loan	-	-	5.99%
Details As Low As; Model Year: 2020-2027; Fixed Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 5.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
Auto Loan	-	-	6.99%
Details As Low As; Model Year: 2013-2019; Fixed Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 6.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%

Y-12 Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
Watercraft / Campers / Motorhomes / Motorcycles / ATVs Loan	-	6.99%
Details As Low As; Model Year: 2020-2027; Fixed Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 6.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
Watercraft / Campers / Motorhomes / Motorcycles / ATVs Loan	-	7.99%
Details As Low As; Model Year: 2013-2019; Fixed Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 7.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%

Y-12 Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Traditional	-	12.49%
Details Published APR range: 12.49% to 18.00%. Annual Percentage Rate for Purchases; No Annual Fee; No Balance Transfer Fee; 25 Day Grace Period on New Purchases Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 12.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
Visa Signature Rewards	-	14.99%
Details Published APR range: 14.99% to 18.00%. Annual Percentage Rate for Purchases; Earn Loyalty Rewards; No Annual Fee; No Balance Transfer Fee; 25 Day Grace Period on New Purchases Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 14.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%

Y-12 Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan (Unsecured)	12.49%
Details As Low As; Fixed Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 12.49% → 12.49% ▼ 0.00 pts · high 13.99% / low 12.49% Oct 4, 202612.49%▼ from 13.99% Sep 18, 202613.99%▲ from 12.49% Sep 14, 202612.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
Ultra Loan (Unsecured)	13.99%
Details As Low As; Fixed Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 13.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
Access Line Of Credit (Unsecured)	14.74%
Details As Low As; Variable Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 14.49% → 14.74% ▲ 0.25 pts · high 14.74% / low 14.49% Oct 8, 202614.74%▲ from 14.49% Sep 14, 202614.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
Visa Signature Rewards	14.99%
Details Published APR range: 14.99% to 18.00%. Annual Percentage Rate for Purchases; Earn Loyalty Rewards; No Annual Fee; No Balance Transfer Fee; 25 Day Grace Period on New Purchases Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 14.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%

Y-12 Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Choose Your Term Special Offer	3.928%	-	4.00%	6 or 9 Months
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
Choose Your Term Special Offer	4.169%	-	4.25%	12 Months
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
Primary Business Share	0.05%	-	0.05%
Min Balance $1 Details Subject to change: Quarterly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
Primary Share	0.05%	-	0.05%
Min Balance $1 Details Dividends calculated daily, compounded quarterly; Subject to change quarterly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%
Secondary Business Share	0.05%	-	0.05%
Min Balance $0 Details Subject to change: Quarterly Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.67%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Y-12 Federal Credit Union’s Texas Ratio rose from 1.08% in Q3 2023 to 3.67% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$2.8B	3.67%	5.0	A+
March 31, 2026	$2.8B	3.08%	5.0	A+
December 31, 2025	$2.7B	3.60%	5.0	A+
September 30, 2025	$2.7B	2.88%	5.0	A+
June 30, 2025	$2.3B	2.35%	5.0	A+
March 31, 2025	$2.2B	1.77%	5.0	A+
December 31, 2024	$2.2B	1.69%	5.0	A+
September 30, 2024	$2.1B	1.43%	5.0	A+
June 30, 2024	$2.0B	1.52%	5.0	A+
March 31, 2024	$2.0B	1.15%	5.0	A+
December 31, 2023	$2.0B	1.72%	5.0	A+
September 30, 2023	$1.9B	1.08%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Y-12 Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Y-12 Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Y-12 Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Y-12 Federal Credit Union

Website https://www.y12fcu.org

Address 501 Lafayette Dr, Oak Ridge, TN 37830-7909

Phone 865-482-1043

Fax 865-220-8424

President David Rupert

CEO Dustin Millaway

Full-Time Employees 442

Part-Time Employees 0

Branch Locations 24

ATM Locations 23

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.67%

Return on Assets (ROA)

0.7187%

Return on Equity (ROE)

6.8246%

Non-Performing Loans Ratio (NPL)

0.52%

Total Assets

2,762,633,315

Total Amount of Shares and Deposits

2,194,522,947

Total Shares and Deposits < 1 Year

2,151,693,387

Total Shares and Deposits 1 3 Years

16,832,798

Total Shares and Deposits > 3 Years

25,996,763

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

345,066,762

Total Uninsured Shares and Deposits > $250K (F+J)

345,066,762

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,849,456,185

Total Interest Expense (Sum of items 6 8)

24,154,198

Share Certificates

9,882

Number of Accounts for Share Drafts

91,376

IRA KEOGH Accounts

2,687

Number of Accounts for Regular Shares

170,601

All other shares

517

Non Member Deposits

Money Market Shares

6,384

Net Income (unless the amount is already included in Undivided Earnings)

19,854,298

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

25,346,263

Total Liabilities

2,476,671,630

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Y-12 Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Y-12 Federal Credit Union

How many branches does Y-12 Federal Credit Union operate?

Y-12 Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Y-12 Federal Credit Union?

Yes, to access services at Y-12 Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Y-12 Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Y-12 Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Y-12 Federal Credit Union offer online and mobile banking?

Most modern institutions like Y-12 Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.y12fcu.org.

Current Y-12 Federal Credit Union Rates

12-Month CD0.10%
18-Month CD0.25%
24-Month CD2.75%
Savings2.00%
MMA3.50%

Retrieved from our database of financial products. Rates subject to change.

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Y-12 Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Y-12 Federal Credit Union Texas Ratio

Y-12 Federal Credit Union Health Trend

Y-12 Federal Credit Union CD Rates

Y-12 Federal Credit Union Business CD Rates

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Y-12 Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Y-12 Federal Credit Union

How many branches does Y-12 Federal Credit Union operate?

Is a member application needed to join Y-12 Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Y-12 Federal Credit Union offer online and mobile banking?

Current Y-12 Federal Credit Union Rates

Compare to Other Credit Unions