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: 0.10%, MMA: 0.15%

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Y-12 Federal Credit Union

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Y-12 Federal Credit Union Rates & Review July 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: July 15, 2026

Y-12 Federal Credit Union's 30-Year Fixed rates are at 6.74%, 15-Year Fixed rates are at 6.20%, 10-Year Fixed rates are at 6.03%, 6 or 9 month rates are at 3.75%, 12 month rates are at 3.50%. Y-12 Federal Credit Union's savings rates are at 0.10%. Y-12 Federal Credit Union's money market rates are at 0.15%. Y-12 Federal Credit Union's Personal Loan Rates are at 5.99%. 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 2.88%. Rates were last updated on 07/15/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.88%

Excellent Lower than avg

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

501 Lafayette Dr
Oak Ridge, TN 37830 7909

https://www.y12fcu.org

Y-12 Federal Credit Union CD Rates

Product	Rate	APY	Term
30-Year Fixed	6.63%	6.74%	30-Year
No additional details. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
15-Year Fixed	6.00%	6.20%	15-Year
No additional details. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
10-Year Fixed	5.75%	6.03%	10-Year
No additional details. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
6 or 9 month	3.69%	3.75%	6 or 9 Months
Details Special Offer Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
12 month	3.45%	3.50%	12 Months
No additional details. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
18 month	3.20%	3.25%	18 Months
Min Balance $50,000 Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Business Share Certificates 18 month	3.20%	3.25%	18 Months
Min Balance $100,000 Details Other rates and terms are available. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Jumbo Certificate 18 month	3.20%	3.25%	18 Months
Min Balance $100,000 Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
ROTH IRA 18 month	3.20%	3.25%	18 Months
Min Balance $50,000 Details Rates subject to change without notice. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
ROTH IRA Jumbo Certificate 18 month	3.20%	3.25%	18 Months
Min Balance $100,000 Details Rates subject to change without notice. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Traditional IRA 18 month	3.20%	3.25%	18 Months
Min Balance $50,000 Details Other rates and terms are available. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Traditional IRA Jumbo Certificate 18 month	3.20%	3.25%	18 Months
Min Balance $100,000 Details Other rates and terms are available. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
24 month	2.72%	2.75%	24 Months
Min Balance $50,000 Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Business Share Certificates 24 month	2.72%	2.75%	24 Months
Min Balance $100,000 Details Other rates and terms are available. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Education IRA 24 month	2.72%	2.75%	24 Months
Min Balance $100,000 Details Rates subject to change without notice. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Education IRA Share Certificates Jumbo Certificate 24 month	2.72%	2.75%	24 Months
Min Balance $100,000 Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Jumbo Certificate 24 month	2.72%	2.75%	24 Months
Min Balance $100,000 Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
ROTH IRA 24 month	2.72%	2.75%	24 Months
Min Balance $50,000 Details Rates subject to change without notice. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
ROTH IRA Jumbo Certificate 24 month	2.72%	2.75%	24 Months
Min Balance $100,000 Details Rates subject to change without notice. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Traditional IRA 24 month	2.72%	2.75%	24 Months
Min Balance $50,000 Details Other rates and terms are available. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Traditional IRA Jumbo Certificate 24 month	2.72%	2.75%	24 Months
Min Balance $100,000 Details Other rates and terms are available. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
12 month	0.55%	0.55%	12 Months
Min Balance $50,000 Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Business Share Certificates 12 month	0.55%	0.55%	12 Months
Min Balance $100,000 Details Other rates and terms are available. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Education IRA 12 month	0.55%	0.55%	12 Months
Min Balance $100,000 Details Rates subject to change without notice. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Education IRA Share Certificates Jumbo Certificate 12 month	0.55%	0.55%	12 Months
Min Balance $100,000 Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Jumbo Certificate 12 month	0.55%	0.55%	12 Months
Min Balance $100,000 Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
ROTH IRA 12 month	0.55%	0.55%	12 Months
Min Balance $50,000 Details Rates subject to change without notice. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
ROTH IRA Jumbo Certificate 12 month	0.55%	0.55%	12 Months
Min Balance $100,000 Details Rates subject to change without notice. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Traditional IRA 12 month	0.55%	0.55%	12 Months
Min Balance $50,000 Details Other rates and terms are available. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Traditional IRA Jumbo Certificate 12 month	0.55%	0.55%	12 Months
Min Balance $100,000 Details Other rates and terms are available. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
6 month	0.40%	0.40%	6 Months
Min Balance $50,000 Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Business Share Certificates 6 month	0.40%	0.40%	6 Months
Min Balance $100,000 Details Other rates and terms are available. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Education IRA 6 month	0.40%	0.40%	6 Months
Min Balance $100,000 Details Rates subject to change without notice. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Education IRA Share Certificates Jumbo Certificate 6 month	0.40%	0.40%	6 Months
Min Balance $100,000 Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Jumbo Certificate 19 month	0.40%	0.40%	19 Months
Min Balance $100,000 Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Jumbo Certificate 6 month	0.40%	0.40%	6 Months
Min Balance $100,000 Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
ROTH IRA 6 month	0.40%	0.40%	6 Months
Min Balance $50,000 Details Rates subject to change without notice. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
ROTH IRA Jumbo Certificate 19 month	0.40%	0.40%	19 Months
Min Balance $100,000 Details Rates subject to change without notice. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
ROTH IRA Jumbo Certificate 6 month	0.40%	0.40%	6 Months
Min Balance $100,000 Details Rates subject to change without notice. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Traditional IRA 6 month	0.40%	0.40%	6 Months
Min Balance $50,000 Details Other rates and terms are available. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Traditional IRA Jumbo Certificate 19 month	0.40%	0.40%	19 Months
Min Balance $100,000 Details Other rates and terms are available. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Traditional IRA Jumbo Certificate 6 month	0.40%	0.40%	6 Months
Min Balance $100,000 Details Other rates and terms are available. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
19 month	0.35%	0.35%	19 Months
Min Balance $50,000 Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
ROTH IRA 19 month	0.35%	0.35%	19 Months
Min Balance $50,000 Details Rates subject to change without notice. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Traditional IRA 19 month	0.35%	0.35%	19 Months
Min Balance $50,000 Details Other rates and terms are available. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
19 month	0.30%	0.30%	19 Months
Min Balance $10,000 Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
ROTH IRA 19 month	0.30%	0.30%	19 Months
Min Balance $10,000 Details Rates subject to change without notice. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Traditional IRA 19 month	0.30%	0.30%	19 Months
Min Balance $10,000 Details Other rates and terms are available. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
13 month	0.25%	0.25%	13 Months
Details Other rates and terms are available. There is a penalty for early withdrawal. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
19 month	0.25%	0.25%	19 Months
Min Balance $500 Details Minimum balance to receive advertised rate is $500. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Business Share Certificates 13 month	0.25%	0.25%	13 Months
Min Balance $100,000 Details Other rates and terms are available. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Education IRA 13 month	0.25%	0.25%	13 Months
Min Balance $100,000 Details Rates subject to change without notice. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Education IRA Share Certificates Jumbo Certificate 13 month	0.25%	0.25%	13 Months
Min Balance $100,000 Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Jumbo Certificate 13 month	0.25%	0.25%	13 Months
Min Balance $100,000 Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
ROTH IRA 19 month	0.25%	0.25%	19 Months
Min Balance $500 Details Minimum balance to receive advertised rate is $500. Rates subject to change without notice. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
ROTH IRA Jumbo Certificate 13 month	0.25%	0.25%	13 Months
Min Balance $100,000 Details Rates subject to change without notice. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Traditional IRA 19 month	0.25%	0.25%	19 Months
Min Balance $500 Details Minimum balance to receive advertised rate is $500. Other rates and terms are available. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Traditional IRA Jumbo Certificate 13 month	0.25%	0.25%	13 Months
Min Balance $100,000 Details Other rates and terms are available. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
13 month	0.20%	0.20%	13 Months
Min Balance $50,000 Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Business Share Certificates 13 month	0.20%	0.20%	13 Months
Min Balance $50,000 Details Other rates and terms are available. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Education IRA 13 month	0.20%	0.20%	13 Months
Min Balance $50,000 Details Rates subject to change without notice. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
ROTH IRA 13 month	0.20%	0.20%	13 Months
Min Balance $50,000 Details Rates subject to change without notice. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Traditional IRA 13 month	0.20%	0.20%	13 Months
Min Balance $50,000 Details Other rates and terms are available. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
13 month	0.15%	0.15%	13 Months
Min Balance $10,000 Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Business Share Certificates 13 month	0.15%	0.15%	13 Months
Min Balance $10,000 Details Other rates and terms are available. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Education IRA 13 month	0.15%	0.15%	13 Months
Min Balance $10,000 Details Rates subject to change without notice. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
ROTH IRA 13 month	0.15%	0.15%	13 Months
Min Balance $10,000 Details Rates subject to change without notice. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Traditional IRA 13 month	0.15%	0.15%	13 Months
Min Balance $10,000 Details Other rates and terms are available. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
13 month	0.10%	0.10%	13 Months
Min Balance $500 Details Minimum balance to receive advertised rate is $500. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Business Share Certificates 13 month	0.10%	0.10%	13 Months
Min Balance $500 Details Minimum balance to receive advertised rate is $500. Other rates and terms are available. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Education IRA 13 month	0.10%	0.10%	13 Months
Min Balance $500 Details Minimum balance to receive advertised rate is $500. Rates subject to change without notice. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
ROTH IRA 13 month	0.10%	0.10%	13 Months
Min Balance $500 Details Minimum balance to receive advertised rate is $500. Rates subject to change without notice. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Traditional IRA 13 month	0.10%	0.10%	13 Months
Min Balance $500 Details Minimum balance to receive advertised rate is $500. Other rates and terms are available. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
3 month	0.05%	0.05%	3 Months
Details Other rates and terms are available. There is a penalty for early withdrawal. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Business Share Certificates 3 month	0.05%	0.05%	3 Months
Min Balance $100,000 Details Other rates and terms are available. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%

Y-12 Federal Credit Union Savings Rates

Product	Rate	APY
Jump Start Savings	2.00%	2.00%
Min Balance $0 Details Subject to Change Quarterly; A Jump Start Savings account is for ages 0 to 17 only. The child must be accompanied by a parent or legal guardian to open an account who will sign as a joint-account owner. The account balance will be automatically transferred to a Young Adult Savings account when the member reaches age 18. A Jump Start Savings account 2.00% APY is for the first $5,000. A balance of $5,000.01 and more earns the regular share savings rate of 0.05% APY. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Education Club	0.10%	0.10%
Min Balance $0 Details Subject to Change Quarterly Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Health Savings Club	0.10%	0.10%
Min Balance $0 Details Subject to Change Quarterly Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Roth Club	0.10%	0.10%
Min Balance $0 Details Subject to Change Quarterly Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Christmas Club	0.05%	0.05%
Min Balance $0 Details Subject to Change Quarterly Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Vacation Club	0.05%	0.05%
Min Balance $0 Details Subject to Change Quarterly Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%

Y-12 Federal Credit Union Money Market Rates

Product	Rate	APY
High Yield Money Market	3.45%	3.50%
Min Balance $25,000 Details Qualifications Required: 15 debit and/or credit card monthly combined transactions; minimum $2,000 average daily balance or cumulative $1,000 monthly direct deposit; Subject to Change Daily; * High Yield Checking account required for High Yield Money Market. Must maintain a minimum average daily balance of $25,000 and meet High Yield Checking account qualifiers to earn dividends for High Yield Money Market. High Yield Checking qualifiers to earn High Yield dividends: 15 debit and/or credit card monthly combined transactions; minimum $2,000 average daily balance or cumulative $1,000 monthly direct deposit. Direct deposit consists of an electronic deposit of wages, pension and/or social security benefits. Transfers of funds, mobile deposits, and deposits from payment vendors (PayPal, Venmo) do not qualify. The Annual Percentage Yield (APY) for High Yield Money Market is 3.50% if High Yield Checking and minimum balance requirements are met. 1.00% APY for average daily balances $25,000 and over if requirements are not met for High Yield Checking. No dividends are paid for the dividend period if minimum average daily balance qualifier is not met. If High Yield Checking is closed, High Yield Money Market must be closed. Rates subject to change without notice after account opening. Fees may reduce earnings on account. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Money Market Plus	1.00%	1.00%
Min Balance $250,000 Details Subject to Change Daily Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Money Market Plus	0.75%	0.75%
Min Balance $50,000 Details Subject to Change Daily Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Money Market	0.30%	0.30%
Min Balance $100,000 Details Subject to Change Daily Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Money Market	0.25%	0.25%
Min Balance $75,000 Details Subject to Change Daily Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Money Market	0.20%	0.20%
Min Balance $25,000 Details Subject to Change Daily Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Money Market	0.15%	0.15%
Min Balance $2,500 Details Subject to Change Daily Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%

Y-12 Federal Credit Union Checking Rates

Product	Rate	APY
High Yield Checking	3.45%	3.50%
Min Balance $0 Details Subject to Change Monthly Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Advantage Business Checking	0.10%	0.10%
Min Balance $5,000 Details Subject to Change Monthly Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Premier Business Checking	0.10%	0.10%
Min Balance $5,000 Details Subject to Change Monthly Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
High Yield Checking	0.05%	0.05%
Min Balance $0 Details Subject to Change Monthly Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Premier Business Checking	0.05%	0.05%
Min Balance $0 Details Subject to Change Monthly Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Advantage Business Checking	0.03%	0.03%
Min Balance $1,500 Details Subject to Change Monthly Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%

Y-12 Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
10-Year Fixed	-	1.00%	5.75%	10-Year Fixed
Details Rates posted are indications only and are subject to change without notice. Your actual rate may be different, as many factors go into providing you with a mortgage loan. Rates shown are based on loan amounts of $200,000 and are not intended to be a commitment to the loan type or amount for which you may qualify. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
15-Year Fixed	-	1.00%	6.00%	15-Year Fixed
Details Rates posted are indications only and are subject to change without notice. Your actual rate may be different, as many factors go into providing you with a mortgage loan. Rates shown are based on loan amounts of $200,000 and are not intended to be a commitment to the loan type or amount for which you may qualify. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
15/15 30-Year Adjustable Rate Mortgage	-	1.00%	6.50%	30-Year Adjustable Rate Mortgage
Details Rates posted are indications only and are subject to change without notice. Your actual rate may be different, as many factors go into providing you with a mortgage loan. Rates shown are based on loan amounts of $200,000 and are not intended to be a commitment to the loan type or amount for which you may qualify. The adjustable rate mortgage is tied to the 10-Year CMT index. Adjustable rates cannot change more than 4% at the adjustment period and cannot adjust more than 6% over the life of the loan. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
30-Year Fixed	-	1.00%	6.63%	30-Year Fixed
Details Rates posted are indications only and are subject to change without notice. Your actual rate may be different, as many factors go into providing you with a mortgage loan. Rates shown are based on loan amounts of $200,000 and are not intended to be a commitment to the loan type or amount for which you may qualify. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
5/5 30-Year Adjustable Rate Mortgage	-	1.00%	6.63%	30-Year Adjustable Rate Mortgage
Details Rates posted are indications only and are subject to change without notice. Your actual rate may be different, as many factors go into providing you with a mortgage loan. Rates shown are based on loan amounts of $200,000 and are not intended to be a commitment to the loan type or amount for which you may qualify. The adjustable rate mortgage is tied to the 10-Year CMT index. Adjustable rates cannot change more than 2% at the adjustment period and cannot adjust more than 5% over the life of the loan. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
30-Year Fixed	-	-	6.74%	30 years
Details As Low As; *Annual Percentage Rate Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%

Y-12 Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	-	-	6.50%
Details Variable, Revolving; Prime - 0.25%; As of 01/01/2026, the prime rate was 6.75% and the lowest variable rate available was 6.50% APR. The APR will not vary above 18% APR nor below 3.99% APR. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%

Y-12 Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	5.99%	2020-2027
Details Fixed; as low as Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Auto Loan 2020-2027	-	-	5.99%	2020-2027
Details As Low As Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Auto Loan	-	-	6.99%	2013-2019
Details Fixed; as low as Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%

Y-12 Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Traditional Credit Card	-	12.49%
Details Regular APR: 12.49% to 18.00% Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Visa Signature Rewards	-	14.99%
No additional details. Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Visa Signature Rewards Credit Card	-	14.99%
Details Regular APR: 14.99% to 18.00% Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%
Visa Secured Credit Card	-	16.49%
Details Regular APR: 16.49% Last Updated 07/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.88%

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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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 436

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+ (99/100)

Texas Ratio

2.88%

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

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

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☆☆☆☆☆

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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.