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 4.50%. 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 6.38%. 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
4.50%
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
Merrick Bank
Merrick Bank
3-Month CD
5.25%
$25,000
FirsTier Bank
FirsTier Bank
10-Month CD special
5.25%
$0
First Missouri State Bank of Cape County
First Missouri State Bank of Cape County
7-Month CD
5.10%
$1,000
Sikorsky Credit Union
Sikorsky Credit Union
12-Month CD (Certificate) Jumbo
5.00%
$100,000
Communitywide Federal Credit Union
Communitywide Federal Credit Union
18-Month CD
4.85%
$1,000
The Corner Stone Bank
The Corner Stone Bank
18-Month CD
4.50%
$1,000
Y 12 Federal Credit Union
Y 12 Federal Credit Union
High Yield Money Market
4.50%
$25,000
Clare Bank
Clare Bank
13-Month CD special
4.45%
$500
Customers Bank
Customers Bank
24-Month CD
4.35%
$500
Webster Five Cents Savings Bank
Webster Five Cents Savings Bank
24-Month CD
4.14%
$1,000
OlyFed Olympia Federal S&L
OlyFed Olympia Federal S&L
12-Month CD
4.07%
$100
FNB of Raymond
FNB of Raymond
12-Month CD
4.07%
$1,000
Y 12 Federal Credit Union
Y 12 Federal Credit Union
High Yield Checking <-$15K
4.00%
$0
Haverhill Bank
Haverhill Bank
13-Month CD special
3.82%
$500
Aac Credit Union
Aac Credit Union
60-Month CD
3.50%
$500
Y 12 Federal Credit Union
Y 12 Federal Credit Union
18-Month CD
3.25%
$500
First State Bank of Harvey
First State Bank of Harvey
18-Month CD
3.14%
$1,000
PCB Payne County Bank
PCB Payne County Bank
48-Month CD
2.75%
$1,000
Y 12 Federal Credit Union
Y 12 Federal Credit Union
24-Month CD
2.75%
$500
Bank of Hartington
Bank of Hartington
48-Month CD TDC
2.52%
$1,000
Leighton State Bank
Leighton State Bank
60-Month CD
2.52%
$500
The Dolores State Bank
The Dolores State Bank
60-Month CD
2.52%
$1,000
Everett Co-operative Bank
Everett Co-operative Bank
24-Month CD special
2.25%
$500
Navy Federal Credit Union
Navy Federal Credit Union
Jumbo Money Market Savings
2.25%
$1,000,000
Tinker Federal Credit Union
Tinker Federal Credit Union
Premium Plus Savings
2.10%
$500,000
Lyndon State Bank
Lyndon State Bank
18-Month CD
2.07%
$1,000
Heritage Bank Wood River, NE
36-Month CD
2.02%
$1,000
Bank Plus
Bank Plus
48-Month CD
2.01%
$1,000
New Millennium Bank
New Millennium Bank
Super Savings Account
2.00%
$10,000
United Savings Bank Philadelphia, PA
United Savings Bank Philadelphia, PA
48-Month CD
2.00%
$1,000
First National Bank of Clarksdale
First National Bank of Clarksdale
24-Month CD
1.50%
$500
Access Bank
Access Bank
Access Money Market
1.40%
$0
American Bank and Trust Company, N.A.
American Bank and Trust Company, N.A.
48-Month CD
1.33%
$500
First National Bank Ames, Iowa
First National Bank Ames, Iowa
12-Month CD
1.26%
$1,000
TD Bank
TD Bank
12-Month CD
1.00%
$250
Ascendia Bank
Ascendia Bank
48-Month CD
1.00%
$500
Rocky Mountain Bank
Rocky Mountain Bank
60-Month CD
0.60%
$1,000
Y 12 Federal Credit Union
Y 12 Federal Credit Union
12-Month CD
0.55%
$500
Mercantile Bank
Mercantile Bank
1-Month CD
0.50%
$500
Homewood Federal SB
Homewood Federal SB
Money Market Advantage
0.50%
$40,000
PS Bank
PS Bank
36-Month CD Step-Up
0.50%
$5,000
First National Bank of Bastrop
First National Bank of Bastrop
Money Market
0.50%
$1,500
Y 12 Federal Credit Union
Y 12 Federal Credit Union
6-Month CD
0.40%
$500
Citizens State Bank Hudson, WI
Citizens State Bank Hudson, WI
36-Month CD
0.37%
$500
First State Bank of Harvey
First State Bank of Harvey
Money Market
0.25%
$2,500
Liberty Bank Liberty, IL
Liberty Bank Liberty, IL
Passbook Savings
0.25%
$10
Fulton Savings Bank
Fulton Savings Bank
7-Day CD
0.25%
$100,000
Movement Bank
Movement Bank
Priority or Business Savings
0.25%
$10
Millville Savings Bank
Millville Savings Bank
Savings Account
0.10%
$1,000
National Bank of Coxsackie
National Bank of Coxsackie
9-Month CD
0.10%
$500
Greeneville Federal Bank
Greeneville Federal Bank
Golden Money Market Checking
0.07%
$1,000
Jewett City Savings Bank
Jewett City Savings Bank
Money Market
0.05%
$100
LNB Community Bank
LNB Community Bank
Super Money Market
0.05%
$25,000
OBC Bank
OBC Bank
6-Month CD
0.05%
$1,000
Ohio Valley Bank Co.
Ohio Valley Bank Co.
Statement Savings
0.05%
$100
Y 12 Federal Credit Union
Y 12 Federal Credit Union
Primary Share Savings
0.05%
$1
Citizens Bank & Trust Co. MS
Citizens Bank & Trust Co. MS
Citizens Quest Savings
0.04%
$0
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
Y 12 Federal Credit Union
Y 12 Federal Credit Union
5/5 ARM
6.750%
6.877%
1.000
Y 12 Federal Credit Union
Y 12 Federal Credit Union
30-Year Fixed
6.750%
6.870%
1.000
Y 12 Federal Credit Union
Y 12 Federal Credit Union
15-Year Fixed
6.375%
6.578%
1.000
Bethpage Federal Credit Union
Bethpage Federal Credit Union
10/1 ARM
6.750%
7.096%
0.000
Colonial Federal Savings Bank
Colonial Federal Savings Bank
15-Year Fixed
6.500%
6.760%
0.000
Midwest Liberty Federal Credit Union
Midwest Liberty Federal Credit Union
20 Year Fixed
7.125%
7.380%
0.000
NCB
NCB
30-Year Fixed
7.000%
7.010%
0.000
American Eagle Financial Credit Union
American Eagle Financial Credit Union
30-Year Fixed
6.875%
7.042%
0.000
State Bank of Southern Utah
State Bank of Southern Utah
30-Year Fixed VA
6.000%
6.332%
0.000
Consumers Credit Union
15-Year Fixed
6.125%
6.280%
0.000
Stanford Federal Credit Union
Stanford Federal Credit Union
30 Year Fixed
7.125%
7.063%
0.375
Wells Fargo
Wells Fargo
7/6-Month ARM Jumbo
6.375%
7.312%
1.000
Addition Financial Credit Union
Addition Financial Credit Union
15-Year Fixed Purchase
6.000%
6.434%
0.000
Northwest Community Bank
Northwest Community Bank
5/1 ARM
6.000%
7.376%
0.000
First Security B&T Co. IA
First Security B&T Co. IA
20-Year Fixed
6.375%
6.542%
0.000
1st United Credit Union
1st United Credit Union
7/1 ARM
6.723%
6.774%
0.000
Randolph Brooks FCU
Randolph Brooks FCU
ARM (5/5)
6.125%
6.219%
0.000
Greenstate Credit Union
Greenstate Credit Union
15 Yr Fixed
6.375%
6.417%
0.000
IC Federal Credit Union
IC Federal Credit Union
20 Year Fixed
6.875%
7.073%
0.000
Methuen Co-operative Bank
Methuen Co-operative Bank
15-Year Fixed
6.500%
6.599%
0.000
USB Union Savings Bank
USB Union Savings Bank
30-Year Fixed
6.375%
6.472%
0.000
North Carolina Press Association Federal Credit Union
North Carolina Press Association Federal Credit Union
5 ARM 30 Year
6.250%
5.963%
0.000
Vystar Credit Union
Vystar Credit Union
15-Year Fixed
6.625%
6.733%
0.000
Commercial Bank Ithaca, MI
Commercial Bank Ithaca, MI
15-Year Fixed
6.625%
6.837%
0.000
Mutual Security Credit Union
Mutual Security Credit Union
30-Year Fixed
6.500%
6.526%
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%
ACFCU
ACFCU
Secure Card Visa
29.240%
A card that\'s perfect for anyone who wants to improve or establish their credit.
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.
First Technology Federal Credit Union
First Technology Federal Credit Union
Platinum Mastercard
12.240%
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%
The Golden 1 Credit Union
The Golden 1 Credit Union
Member Cash Rewards+ VISA
17.040% - 23.040%
Maximize rewards with increased cash back on everyday purchases – with up to 4% cash back on gas purchases. Plus, 3% on groceries, restaurants, and food delivery with 1% on everything else.
First Technology Federal Credit Union
First Technology Federal Credit Union
Choice Rewards World Mastercard
13.500%
1st United Credit Union
1st United Credit Union
Visa Platinum Rewards
14.900%
Achieve Credit Union
Achieve Credit Union
Visa Platinum Credit Card
8.900%
No annual fee. No balance transfer fee. No cash advance fee.
Achieva Credit Union
Achieva Credit Union
Achieva Mastercard Credit Card
12.490% - 25.490%
12.49% to 25.49% when you open your account, based on your creditworthiness.
ACMG Federal Credit Union
ACMG Federal Credit Union
VISA Platinum with Rewards
8.900%
Vystar Credit Union
Vystar Credit Union
Platinum Visa
15.350%
SchoolsFirst Federal Credit Union
SchoolsFirst Federal Credit Union
Rewards Mastercard
15.000% - 17.900%
Maximum Loan Amount Up to $35,000.00
ACMG Federal Credit Union
ACMG Federal Credit Union
VISA Platinum without Rewards
7.900%
Mountain America Federal Credit Union
Mountain America Federal Credit Union
Low Rate Credit Card
13.240%
Teachers Federal Credit Union
Teachers Federal Credit Union
Visa Platinum
16.200%
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.
America First Federal Credit Union
America First Federal Credit Union
SIGNATURE 1% CASH BACK VISA
14.740%
Unlimited 1% Cash Back Signature Card
ACFCU
ACFCU
Max Cash Secure Card Visa
29.990%
Make improving your credit score4 even more rewarding with up to 5% cash back in 2 categories you choose
University First Federal Credit Union
University First Federal Credit Union
Visa Business Rewards Card
15.240%
1st Cooperative Federal Credit Union
1st Cooperative Federal Credit Union
Visa Platinum Credit Card
8.500%
As low as 8.50%
First Technology Federal Credit Union
First Technology Federal Credit Union
Platinum Secured Mastercard
14.250%
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
Randolph Brooks FCU
Randolph Brooks FCU
Personal Line of Credit
12.950% - 18.000%
$0
Academic Federal Credit Union
Academic Federal Credit Union
Debt Consolidation Loan
9.000%
$0
108
1st University Credit Union
1st University Credit Union
Unsecured Signature Loan
10.250%
$0
25 - 36
Vystar Credit Union
Vystar Credit Union
Personal Loans
11.000%
$0
37 - 60
First Technology Federal Credit Union
First Technology Federal Credit Union
Personal Fixed-Rate Loan
9.290% - 14.090%
$500 - $35,000
24 - 84
Abilene Teachers Federal Credit Union
Abilene Teachers Federal Credit Union
Personal Line of Credit
7.750% - 16.750%
$0
1 - 36
2 Rivers Area Credit Union
2 Rivers Area Credit Union
Signature Loan
10.000%
$0
60
Hughes Federal Credit Union
Hughes Federal Credit Union
Summer/Holiday Loans
9.500%
$0
SchoolsFirst Federal Credit Union
SchoolsFirst Federal Credit Union
Payroll Savings Loan
17.900%
$0 - $500
Abri Credit Union
Abri Credit Union
Personal Loans
8.990% - 19.990%
$500 - $30,000
60
Advantage Credit Union Newtown, IA
Advantage Credit Union Newtown, IA
Personal Loans
14.700%
$8,000
60 - 60
Access Of Louisiana Federal Credit Union
Access Of Louisiana Federal Credit Union
Line of Credit Variable Rate
10.200% - 17.950%
$0 - $15,000
1 - 60
600 Atlantic Federal Credit Union
600 Atlantic Federal Credit Union
Signature Personal Loan
12.650%
$0 - $15,000
1 - 36
Suncoast Credit Union
Suncoast Credit Union
Personal Line of Credit
11.500%
$0
705 Federal Credit Union
705 Federal Credit Union
Personal Line of Credit
11.500% - 18.000%
$0 - $5,000
Vystar Credit Union
Vystar Credit Union
Personal Line of Credit
16.240%
$0
60
1st Street Credit Union
1st Street Credit Union
Note Loan
8.990% - 17.990%
$0
Access Federal Credit Union
Access Federal Credit Union
Unsecured Loans
9.990%
$0
1 - 60
First Technology Federal Credit Union
First Technology Federal Credit Union
Personal Line of Credit Revolving
14.250%
$500 - $25,000
Academic Federal Credit Union
Academic Federal Credit Union
Signature Loan
7.000%
$500 - $15,000
60
Abbott Laboratories Credit Union
Abbott Laboratories Credit Union
Personal Loan
10.490%
$0
60 - 60
Suncoast Credit Union
Suncoast Credit Union
Technology Loan
9.750%
$0
36
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: 347
Part Time Employees: 1
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:
1,924,005,786
Total Amount of Shares and Deposits:
1,536,017,077
Total Shares and Deposits < 1 Year:
1,497,832,966
Total Shares and Deposits 1 3 Years:
9,529,755
Total Shares and Deposits > 3 Years:
28,654,356
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
159,142,858
Total Uninsured Shares and Deposits > $250K (F+J):
159,142,858
Total Insured Shares and Deposits > $250K (item 17 less item K):
1,376,874,219
Total Interest Expense (Sum of items 6 8):
17,044,909
Share Certificates:
7,246
Number of Accounts for Share Drafts:
75,009
IRA KEOGH Accounts:
2,358
Number of Accounts for Regular Shares:
137,970
All other shares:
429
Non Member Deposits:
5
Money Market Shares:
4,105
Net Income (unless the amount is already included in Undivided Earnings):
17,602,889
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
19,591,904
Total Liabilities:
1,731,675,333
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?:
Yes
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

Explore Other Rate Deals

Today's mortgage rates are down slightly from yesterday's average mortgage ratesrates. Current 30 year mortgage rates are averaging 4.79%, down from yesterday's average 30 year mortgage rate of 4.80%. 15 year mortgage rates today are down to 4.12%, a decline from yesterday's average 15 year mortgage rate of 4.13%.
Thinking about opening a new savings account or did you forget about a savings account you had? Besides searching for the best savings rates when opening an account, you should also read the fine print which can contain fees, especially for inactive accounts. These days you won't get rich earning interest on a savings account but you also don't want your savings account to cost you money either.

Bank or Credit Union Offers and Deals

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Alternative Bank and Credit Union Offers to Explore

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Y 12 Federal Credit Union Reviews

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