Y-12 Federal Credit Union Rates and Review February 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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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 by leaving a review below, or read customer reviews before you decide to use . Y-12 Federal Credit Union Texas RatioY-12 Federal Credit Union's Texas Ratio is at 3.14%, which is considered excellent. The Texas Ratio for Y-12 Federal Credit Union is lower than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that Y-12 Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
Y-12 Federal Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, Y-12 Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable.
Y-12 Federal Credit Union
Y 12 FCU Oak Ridge Branch 501 Lafayette Dr
Oak Ridge, TN 37830 7909 
Y-12 Federal Credit Union Checking 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 & OverviewCredit Union Name: Y-12 Federal Credit Union
Website: https://www.y12fcu.org
Full Time Employees: 436Part Time Employees: 0 President: David Rupert CEO: Dustin Millaway Branch Locations: 24 ATM Locations: 23 Corporate Office Address:
501 Lafayette Dr
Oak Ridge, TN 37830 7909 Phone Number: 865-482-1043 Fax Number: 865-220-8424 FinancialsTotal 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
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About Y-12 Federal Credit UnionIs 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. Is there a first-time homebuyer program?Currently, Y-12 Federal Credit Union provides a range of mortgage and home equity products. Is Y-12 Federal Credit Union a safe place to deposit money?Yes, Y-12 Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Y-12 Federal Credit Union offer online and mobile banking?Most modern institutions like Y-12 Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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You can compare Y-12 Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 0.12%, 6-month share certificate rates at 1.01% and 3-month share certificate rates at 3.25%. Savings rates are at 0.01% and money market rates are at 0.40%. Mortgage rates on 30-year fixed loans are around 5.75%. All these rates, and more, can be found in our database of rates which you can compare to 
