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iAdvertiser Disclosure
Advertiser Disclosure
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 Y-12 Federal Credit Union Rates & Review September 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.
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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 and Verified: September 23, 2026
Y-12 Federal Credit Union's 5/5 30-Year Adjustable Rate Mortgage rates are at 5.50%, 15/15 30-Year Adjustable Rate Mortgage rates are at 5.99%, 30-Year Fixed Mortgage rates are at 7.00%, 30-Year Fixed rates are at 7.12%, Tractors / Farm Equipment rates are at 7.99%. Y-12 Federal Credit Union's Personal Loan Rates are as low as 12.49%. Y-12 Federal Credit Union's Credit Card Rates are at 12.49%. 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 3.08%. Rates last updated and verified on 09/23/2026. 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 Mortgage Rates
Y-12 Federal Credit Union Home Equity & HELOC
Y-12 Federal Credit Union Auto Loan Rates
Y-12 Federal Credit Union RV, Boat and Powersport Loan Rates
Y-12 Federal Credit Union Credit Card Rates
Y-12 Federal Credit Union Personal Loan Rates
Financial Health HistoryY-12 Federal Credit Union’s Texas Ratio stayed near 3.12% in Q2 2023 to 3.08% in Q1 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
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MonitorBankRates
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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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
444
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
3.08%
Return on Assets (ROA)
0.3457%
Return on Equity (ROE)
3.4013%
Non-Performing Loans Ratio (NPL)
0.43%
Total Assets
2,774,498,024
Total Amount of Shares and Deposits
2,221,908,101
Total Shares and Deposits < 1 Year
2,181,122,930
Total Shares and Deposits 1 3 Years
15,655,411
Total Shares and Deposits > 3 Years
25,129,758
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
352,504,069
Total Uninsured Shares and Deposits > $250K (F+J)
352,504,069
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,869,404,032
Total Interest Expense (Sum of items 6 8)
12,085,368
Share Certificates
9,852
Number of Accounts for Share Drafts
90,637
IRA KEOGH Accounts
2,705
Number of Accounts for Regular Shares
156,451
All other shares
450
Non Member Deposits
4
Money Market Shares
6,217
Net Income (unless the amount is already included in Undivided Earnings)
9,590,454
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)
76,444,963
Total Liabilities
2,498,893,158
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Add Your Rating and Review for Y-12 Federal Credit Union
Frequently Asked Questions About Y-12 Federal Credit UnionHow 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. Compare to Other Credit Unions
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