Y-12 Federal Credit Union CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Y-12 Federal Credit Union's 18-Month CD rates are at 3.25%, 24-Month CD rates are at 2.75%, 12-Month CD rates are at 0.55%, 6-Month CD rates are at 0.40%. Y-12 Federal Credit Union's savings rates are at 0.05%. Y-12 Federal Credit Union's money market rates are at 4.00%. Y-12 Federal Credit Union's 5/5 ARM rates are at 6.75%, 30-Year Fixed rates are at 6.75%, 15-Year Fixed rates are at 6.00%. Y-12 Federal Credit Union's Personal Loan Rates are at 12.49. Y-12 Federal Credit Union's Credit Card Rates are at 14.24.

Y-12 Federal Credit Union

Compare Y-12 Federal Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Y-12 Federal Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates.

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 CD rates or 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, Y-12 Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
0.55%
18-Month CD
3.25%
24-Month CD
2.75%
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
0.05%
MMA
4.00%
30-Year Fixed
6.87%
Credit Card
14.24%
Personal Loan
12.49%
Y-12 Federal Credit Union
Y 12 FCU Oak Ridge Branch
501 Lafayette Dr
Oak Ridge, TN 37830 7909
Member NCUA
MonitorBankRates' Rating
5/5
★★★★★

Compare Y-12 Federal Credit Union Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
SSB of Wanamingo
SSB of Wanamingo
Kasasa Checking
5.05%
$0
Finworth
Finworth
6-Month CD
4.50%
$50,000
First Bank of the Lake
First Bank of the Lake
24-Month CD
4.20%
$1,000
OWB One World Bank
OWB One World Bank
12-Month CD
4.10%
$1,000
FNB of Litchfield
FNB of Litchfield
12-Month CD
4.06%
$1,000
FinWise Bank
FinWise Bank
48-Month CD
4.00%
$500
Alden State Bank
Alden State Bank
Kasasa Cash Checking
4.00%
$0
Y-12 Federal Credit Union
Y-12 Federal Credit Union
High Yield Money Market
4.00%
$25,000
FNB of Wyoming
FNB of Wyoming
6-Month CD
3.56%
$100
Ridgewood Savings Bank
Ridgewood Savings Bank
18-Month CD
3.55%
$100
Atkins Savings B&T
Atkins Savings B&T
60-Month CD (Adjust-A-Rate)
3.53%
$1,000
BankVista
BankVista
12-Month CD
3.50%
$1,000
Bank of Prairie du Sac
Bank of Prairie du Sac
12-Month CD
3.40%
$1,000
Everence Trust Company
Everence Trust Company
48-Month CD
3.30%
$500
Black River Country Bank
Black River Country Bank
48-Month CD
3.25%
$1,000
Y-12 Federal Credit Union
Y-12 Federal Credit Union
18-Month CD
3.25%
$500
Elizabethton FSB
Elizabethton FSB
24-Month CD
3.17%
$1,000
Sandy Spring Bank
Sandy Spring Bank
24-Month CD
3.15%
$1,000
American State Bank of Grygla
American State Bank of Grygla
12-Month CD
3.14%
$500
Security Savings Bank
Security Savings Bank
48-Month CD
3.10%
$5,000
Denison State Bank
Denison State Bank
36-Month CD
3.00%
$500
ACMG Federal Credit Union
ACMG Federal Credit Union
48-Month CD
3.00%
$1,000
Y-12 Federal Credit Union
Y-12 Federal Credit Union
24-Month CD
2.75%
$500
FNB of Lacon
FNB of Lacon
60-Month CD
2.48%
$500
Peoples State Bank Ellettsville, IN
Peoples State Bank Ellettsville, IN
60-Month CD
2.28%
$500
802 Credit Union
802 Credit Union
48-Month CD
2.20%
$500
Root River State Bank
Root River State Bank
48-Month CD
2.10%
$300
FSB Holton, KS
FSB Holton, KS
12-Month CD
2.00%
$500
WaFd Bank
WaFd Bank
High Yield Money Market
2.00%
$500,000
Pioneer Community Bank, Inc.
Pioneer Community Bank, Inc.
24-Month CD
1.76%
$1,000
Madison County Bank
Madison County Bank
18-Month CD
1.60%
$500
Stryv Bank
Stryv Bank
48-Month CD
1.40%
$1,000
International Bank of Chicago
International Bank of Chicago
Savings
1.00%
$200
Bay State Savings Bank
Bay State Savings Bank
12-Month CD
1.00%
$1,000
New Mexico Bank and Trust
New Mexico Bank and Trust
36-Month CD
0.75%
$1,000
Bank of Springfield
Bank of Springfield
24-Month CD
0.75%
$1,000
Century Bank and Trust GA
Century Bank and Trust GA
48-Month CD
0.65%
$500
Oakdale State Bank
Oakdale State Bank
12-Month CD
0.60%
$1,000
Midland Federal S&L
Midland Federal S&L
18-Month CD
0.55%
$1,000
Queenstown Bank
Queenstown Bank
60-Month CD
0.55%
$500
Y-12 Federal Credit Union
Y-12 Federal Credit Union
12-Month CD
0.55%
$500
Woodsville Guaranty Savings Bank
Woodsville Guaranty Savings Bank
6-Month CD
0.40%
$1,000
Y-12 Federal Credit Union
Y-12 Federal Credit Union
6-Month CD
0.40%
$500
The Andover Bank
The Andover Bank
48-Month CD
0.35%
$1,000
Greene County Commercial Bank
Greene County Commercial Bank
18-Month CD
0.30%
$1,000
Main Street Bank Corp
Main Street Bank Corp
18-Month CD
0.30%
$1,000
First Community Bank of Hillsboro
First Community Bank of Hillsboro
12-Month CD
0.20%
$1,000
Mayville State Bank
Mayville State Bank
12-Month CD
0.20%
$1,000
National Bank of Coxsackie
National Bank of Coxsackie
18-Month CD
0.20%
$500
Parkway Bank and Trust Company
Parkway Bank and Trust Company
Money Market
0.18%
$2,500
Franklin SB Farmington, ME
Franklin SB Farmington, ME
Money Market
0.15%
$100
FNB of Scotia
FNB of Scotia
Savings
0.10%
$25
The Bank of Tescott
The Bank of Tescott
Statement Savings
0.10%
$0
Lewis & Clark Bank
Lewis & Clark Bank
Money Market
0.05%
$100
Y-12 Federal Credit Union
Y-12 Federal Credit Union
Primary Share Savings
0.05%
$1
Y-12 Federal Credit Union
Y-12 Federal Credit Union
High Yield Checking
0.05%
$0
QCBT Quad City B&T Co.
QCBT Quad City B&T Co.
Money Market
0.01%
$1,000
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare Y-12 Federal Credit Union Mortgage Rates with Lenders Rates for Fixed and Adjustable Mortgages

Lender
Product
Rate
APR
Points
Nuvision Federal Credit Union
Nuvision Federal Credit Union
15-Year Fixed
5.375%
5.677%
1.125
Mutual Security Credit Union
Mutual Security Credit Union
15-Year Fixed
5.750%
5.793%
0.000
Abound Federal Credit Union
Abound Federal Credit Union
5-Year ARM
5.750%
5.832%
0.000
Abound Federal Credit Union
Abound Federal Credit Union
7-Year ARM
5.750%
5.832%
0.000
Marathon Bank
Marathon Bank
15-Year Fixed
5.750%
5.923%
0.000
One Nevada Credit Union
One Nevada Credit Union
15 Year Fixed
5.875%
5.932%
0.000
Savings Bank of Danbury
Savings Bank of Danbury
15-Year Fixed
5.875%
5.959%
0.000
1st Northern California Credit Union
1st Northern California Credit Union
30-Year Fixed (Jumbo)
5.875%
5.989%
0.750
Kohler Credit Union
Kohler Credit Union
20 Year Fixed
5.875%
6.017%
0.000
Crest Savings Bank
Crest Savings Bank
10-Year Fixed
6.000%
6.132%
0.000
A+ Federal Credit Union
A+ Federal Credit Union
10-Year Fixed
5.990%
6.161%
0.000
Y-12 Federal Credit Union
Y-12 Federal Credit Union
15-Year Fixed
6.000%
6.198%
1.000
Y-12 Federal Credit Union
Y-12 Federal Credit Union
15-Year Fixed
6.000%
6.198%
1.000
Consumers Credit Union
Consumers Credit Union
15-Year Fixed
6.125%
6.222%
0.000
OlyFed Olympia Federal S&L
OlyFed Olympia Federal S&L
15-Year Fixed
6.000%
6.260%
1.000
Service Federal Credit Union
Service Federal Credit Union
5/1 ARM
5.375%
6.286%
0.000
Catholic Vantage Financial Credit Union
Catholic Vantage Financial Credit Union
15 Year Fixed
6.125%
6.324%
0.000
Citizens State Bank Cadott, WI
Citizens State Bank Cadott, WI
20-Year Fixed
6.125%
6.358%
0.000
Farmers State Bank (Marion, IA)
Farmers State Bank (Marion, IA)
30-Year Fixed
6.375%
6.420%
0.000
Logix Federal Credit Union
Logix Federal Credit Union
20 Year Fixed
6.375%
6.480%
0.000
Nuvision Federal Credit Union
Nuvision Federal Credit Union
30-Year Fixed
6.375%
6.491%
1.000
Catholic Vantage Financial Credit Union
Catholic Vantage Financial Credit Union
30 Year Fixed
6.375%
6.497%
0.000
Stanford Federal Credit Union
Stanford Federal Credit Union
15-Year Fixed (Jumbo)
6.500%
6.500%
0.000
Somerset Savings Bank
Somerset Savings Bank
5/1 ARM
6.000%
6.509%
0.000
NASA Federal Credit Union
NASA Federal Credit Union
30-Year Fixed
6.375%
6.515%
0.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Compare Y-12 Federal Credit Union Credit Cards with Other Competitive Bank and Credit Union Credit Cards

Institution
Product
APR
Notes
Y-12 Federal Credit Union
Y-12 Federal Credit Union
VISA Secured
18.000%
Y-12 Federal Credit Union
Y-12 Federal Credit Union
VISA Signature Rewards
16.740% - 18.000%
Y-12 Federal Credit Union
Y-12 Federal Credit Union
VISA Traditional
14.240% - 18.000%
705 Federal Credit Union
705 Federal Credit Union
VISA Credit Card
7.900% - 15.900%
Maximum credit card amount offered is $10,000 with a 36-month term.
Teachers Federal Credit Union
Teachers Federal Credit Union
Visa Platinum
16.200%
Vystar Credit Union
Vystar Credit Union
Platinum Visa
15.350%
Randolph Brooks FCU
Randolph Brooks FCU
World Cash Back Credit Card Mastercard
18.000%
1st Valley Credit Union
1st Valley Credit Union
Platinum Visa
8.750%
Suncoast Credit Union
Suncoast Credit Union
Rewards Platinum VISA
12.500%
Credit Limit - $500 - $50,000
Academic Federal Credit Union
Academic Federal Credit Union
Academic FCU VISA® Secured Card
10.900% - 15.400%
No annual fee, no cash advance fee, rewards program.
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
Visa Platinum Clarity
15.990%
Abbott Laboratories Credit Union
Abbott Laboratories Credit Union
Student Select Rewards Visa
17.200%
Introductory rate of 0% APR for the first twelve months on balance transfers and cash purchases.
SchoolsFirst Federal Credit Union
SchoolsFirst Federal Credit Union
School Employee Mastercard
11.750% - 17.900%
Maximum Loan Amount Up to $35,000.00
Randolph Brooks FCU
Randolph Brooks FCU
Premier Rate Credit Card Mastercard
12.950% - 18.000%
ACFCU
ACFCU
Platinum Card Visa
18.240% - 29.240%
Platinum: 0% introductory APR for the first 18 billing cycles. After that, 18.24% to 29.24% based on your creditworthiness when you open your account.
BECU Boeing Employees Credit Union
BECU Boeing Employees Credit Union
BECU Visa
13.240% - 25.240%
0.00% Introductory APR for twelve (12) months from date of transfer when transfers are completed within 90 days of account opening.
ACFCU
ACFCU
College Real Rewards Card Visa
19.740% - 29.740%
Earn 1.5 points for every $1 you spend on eligible purchases (equal to 1.5% cash back)6 and work towards building a strong financial future.
ACMG Federal Credit Union
ACMG Federal Credit Union
VISA Platinum without Rewards
7.900%
The Golden 1 Credit Union
The Golden 1 Credit Union
Member Rate Advantage VISA
13.040% - 19.040%
No balance transfer fees or annual fees.
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
Visa Cash Back
16.490% - 17.990%
1st Northern California Credit Union
1st Northern California Credit Union
Visa Premier Plus
8.900%
America First Federal Credit Union
America First Federal Credit Union
SIGNATURE 1% CASH BACK VISA
14.740%
Unlimited 1% Cash Back Signature Card
Academic Federal Credit Union
Academic Federal Credit Union
Academic VISA® Gold
15.400%
1st MidAmerica Credit Union
1st MidAmerica Credit Union
Platinum Rewards
8.900% - 13.900%
Based upon credit worthiness.
Access Federal Credit Union
Access Federal Credit Union
Access FCU Visa Gold
9.900%
Show More

The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed.

Compare Y-12 Federal Credit Union Personal Loans with Other Competitive Bank and Credit Union Personal Loans

Institution
Product
APR
Loan Amt
Loan Term Months
Y-12 Federal Credit Union
Y-12 Federal Credit Union
Signature Loan
12.490%
$0
Y-12 Federal Credit Union
Y-12 Federal Credit Union
Ultra Loan
13.990%
$0
Y-12 Federal Credit Union
Y-12 Federal Credit Union
Access Line Of Credit
16.240%
$0
AAEC Credit Union
AAEC Credit Union
Education (tuition bill required)
8.250%
$0
60
ABCO Federal Credit Union
ABCO Federal Credit Union
Personal Loans
10.490%
$0
Act 1st Federal Credit Union
Act 1st Federal Credit Union
Signature Loan
12.500%
$0
60 - 60
1st University Credit Union
1st University Credit Union
Unsecured Signature Loan
10.250%
$0
37 - 60
Security Service Federal Credit Union
Security Service Federal Credit Union
Personal Loan
11.240% - 17.950%
$0
25 - 36
Abilene Teachers Federal Credit Union
Abilene Teachers Federal Credit Union
Consumer Loan
10.250% - 17.950%
$0
1 - 36
1st Ed Credit Union
1st Ed Credit Union
Personal/Signature Loans
11.150%
$0
60 - 60
BECU Boeing Employees Credit Union
BECU Boeing Employees Credit Union
Personal Loan
8.990% - 18.000%
$0 - $30,000
72
Security Service Federal Credit Union
Security Service Federal Credit Union
Personal Loan
9.990% - 16.240%
$0
61 - 66
Academic Employees Credit Union
Academic Employees Credit Union
Personal Loan
10.500%
$0 - $5,000
24 - 36
Security Service Federal Credit Union
Security Service Federal Credit Union
Debt Consolidation Loan
9.990% - 16.240%
$0
61 - 66
Achieve Credit Union
Achieve Credit Union
Personal Loan
8.950%
$0
Access Of Louisiana Federal Credit Union
Access Of Louisiana Federal Credit Union
Personal Loan
9.200% - 17.950%
$0 - $15,000
60 - 60
Access Community Credit Union
Access Community Credit Union
Personal Loans
11.990%
$0
1 - 12
InFirst Bank
InFirst Bank
Personal Loan
13.000% - 13.200%
$1,500 - $15,000
24 - 24
Randolph Brooks FCU
Randolph Brooks FCU
Signature Personal Loan
12.150% - 18.000%
$0
49 - 60P
Mountain America Federal Credit Union
Mountain America Federal Credit Union
Personal Loan
12.740%
$0
36
Suncoast Credit Union
Suncoast Credit Union
Personal Signature Loan
11.000%
$0
96
Act 1st Federal Credit Union
Act 1st Federal Credit Union
Signature Loan
11.500%
$0
48 - 48
Advantage Credit Union Newtown, IA
Advantage Credit Union Newtown, IA
Personal Loans
13.700%
$2,500 - $5,000
36 - 36
A+ Federal Credit Union
A+ Federal Credit Union
A+ Personal Loan
8.990%
$0
84
Canyon View Credit Union
Canyon View Credit Union
Personal Loans
13.490%
$0 - $5,000
48 - 48
Show More

The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed.

Y-12 Federal Credit Union Information

Credit Union Name: Y-12 Federal Credit Union
Full Time Employees: 349
Part Time Employees: 0
President: Ron Honeycutt
CEO: Mark Ziegler
Branch Locations: 16
ATM Locations: 16
Corporate Office Address:
501 Lafayette Dr
Oak Ridge, TN 37830 7909
Phone Number: 865-482-1043
Fax Number: 865-220-8424

Y-12 Federal Credit Union Financials

Total Assets:
1,951,152,594
Total Amount of Shares and Deposits:
1,657,451,218
Total Shares and Deposits < 1 Year:
1,591,568,579
Total Shares and Deposits 1 3 Years:
30,151,456
Total Shares and Deposits > 3 Years:
35,731,182
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
211,434,107
Total Uninsured Shares and Deposits > $250K (F+J):
211,434,107
Total Insured Shares and Deposits > $250K (item 17 less item K):
1,446,017,111
Total Interest Expense (Sum of items 6 8):
7,877,608
Share Certificates:
8,450
Number of Accounts for Share Drafts:
75,829
IRA KEOGH Accounts:
2,383
Number of Accounts for Regular Shares:
139,455
All other shares:
433
Non Member Deposits:
5
Money Market Shares:
4,297
Net Income (unless the amount is already included in Undivided Earnings):
6,097,056
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
25,487,787
Total Liabilities:
1,740,587,675
Show More

Y-12 Federal Credit Union Questions and Answers

No Cost Share Drafts:
Yes
Share Certificates with Low Minimum Balance Requirements:
Yes
Is Financial Counseling Offered?:
Yes
Financial Education offered for Members?:
Yes
Are financial literacy Workshops offered?:
Yes
Is there a first time homebuyer program?:
Yes
Credit management and repair offered?:
Yes
Online Financial Literacy?:
Yes
No Cost Bill Payer:
Yes
Student Scholarships:
1
PALs II (FCU Only):
1
Payday Alternative Loans (PAL loans) (FCU Only):
1
Mortgage Processing:
Yes
Approved Mortgage Seller?:
Yes
Brokered Certificates of Deposits:
1
payment:
No
Are low cost wire transfers available?:
Yes
Member Application:
Yes
Are New Loans Available:
Yes
New Share Account:
Yes
Are online loan payments available:
Yes
Online Bill Payment Allowed?:
Yes
Can I download my account history?:
No
Account Aggregation:
1
Electronic Signature Authentication Certification:
Yes
Can I get my bank statements online?:
Yes
External Account Transfers Allowed:
Yes
Remote Deposit Allowed:
Yes
Are Mobile Payments Avilable?:
Yes
Show More
Source: NCUA Last Updated 03/31/2024

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Y-12 Federal Credit Union Reviews

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