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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Y-12 Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 18, 2026
Y-12 Federal Credit Union's 18 month Business CDs rates are at 3.25%, 24 month Business CDs rates are at 2.75%, 12 month Business CDs rates are at 0.55%, 6 month Business CDs rates are at 0.40%, 13 month1 Business CDs rates are at 0.25%. Y-12 Federal Credit Union's money market rates are at 0.25%. Y-12 Federal Credit Union's 10-Year Fixed rates are at 5.38%, 15-Year Fixed rates are at 5.62%, 15/15 30-Year Adjustable Rate Mortgage rates are at 6.00%, 5/5 30-Year Adjustable Rate Mortgage rates are at 6.12%. Y-12 Federal Credit Union's Personal Loan Rates are at 6.24%. 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 3.14%. Rates were last updated on 04/18/2026. 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. Y-12 Federal Credit Union
Y 12 FCU Oak Ridge Branch 501 Lafayette Dr
https://www.y12fcu.org Oak Ridge, TN 37830 7909 
Y-12 Federal Credit Union CD Rates
Y-12 Federal Credit Union Money Market Rates
Y-12 Federal Credit Union Checking Rates
Y-12 Federal Credit Union Mortgage Rates
Y-12 Federal Credit Union Home Equity & HELOC
Y-12 Federal Credit Union Auto Loan Rates
Y-12 Federal Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates 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
436
Part-Time Employees
0
Branch Locations
24
ATM Locations
23
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.14%
Return on Assets (ROA)
0.7470%
Return on Equity (ROE)
7.5785%
Non-Performing Loans Ratio (NPL)
0.38%
Total Assets
2,721,104,619
Total Amount of Shares and Deposits
2,116,017,230
Total Shares and Deposits < 1 Year
2,077,950,736
Total Shares and Deposits 1 3 Years
11,502,418
Total Shares and Deposits > 3 Years
26,564,076
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
287,944,624
Total Uninsured Shares and Deposits > $250K (F+J)
287,944,624
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,828,072,606
Total Interest Expense (Sum of items 6 8)
33,577,015
Share Certificates
9,667
Number of Accounts for Share Drafts
90,315
IRA KEOGH Accounts
2,705
Number of Accounts for Regular Shares
153,891
All other shares
434
Non Member Deposits
23
Money Market Shares
5,961
Net Income (unless the amount is already included in Undivided Earnings)
20,327,625
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
28,222,450
Total Liabilities
2,464,560,995
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Y-12 Federal Credit UnionIs Y-12 Federal Credit Union a safe place to deposit money?Yes, Y-12 Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 3.1441910488104%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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
Retrieved from our database of financial products. Rates subject to change.
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