Y-12 Federal Credit Union Rates and Review January 2026
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 3.50%. Y-12 Federal Credit Union's 5/5 ARM rates are at 5.88%, 30-Year Fixed rates are at 5.88%, 15-Year Fixed rates are at 5.38%. 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%.
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. Rate Updates and AvailabilityY-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. Current Interest RatesRate
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 Deposit Rates
Y-12 Federal Credit Union
High Yield Checking
3.50%
$0
Y-12 Federal Credit Union
High Yield Money Market
3.50%
$25,000
Y-12 Federal Credit Union
18-Month CD
3.25%
$500
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. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
Y-12 Federal Credit Union Credit Card Rates
Y-12 Federal Credit Union
VISA Secured
18.000%
Y-12 Federal Credit Union
VISA Signature Rewards
16.740% - 18.000%
Y-12 Federal Credit Union
VISA Traditional
14.240% - 18.000%
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. Y-12 Federal Credit Union Personal Loan Rates
Y-12 Federal Credit Union
Signature Loan
12.490%
$0
Y-12 Federal Credit Union
Ultra Loan
13.990%
$0
Y-12 Federal Credit Union
Access Line Of Credit
16.240%
$0
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. CD & Savings Rate ComparisonShow 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. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
View 50 More
Credit Card Rate ComparisonAcademic VISA® Gold
15.400%
Visa Signature® Cash Back
17.750%
Academic FCU VISA® Secured Card
10.900% - 15.400%
No annual fee, no cash advance fee, rewards program.
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. Personal Loan Rate ComparisonPersonal Loans
12.990%
$0
13 - 60
Personal Loan
12.000% - 12.090%
$1,500 - $15,000
60 - 60
Education (tuition bill required)
8.250%
$0
60
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. 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
Show More
Source: NCUA Last Updated 09/30/2025
Customer ReviewsThere are no reviews for Y-12 Federal Credit Union yet. Feel free to create one below.
Add Your Rating and Review for Y-12 Federal Credit Union
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 |
