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 7.00%, 30-Year Fixed rates are at 7.00%, 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
7.12%
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
Rising Bank
Rising Bank
12-Month CD
5.31%
$1,000
Prime Alliance Bank
Prime Alliance Bank
12-Month CD
5.30%
$500
Central State Bank State Center, IA
Central State Bank State Center, IA
24-Month CD
4.81%
$1,500
Y-12 Federal Credit Union
Y-12 Federal Credit Union
High Yield Money Market
4.50%
$25,000
Riverland Bank
Riverland Bank
48-Month CD
4.35%
$1,000
Lake Elmo Bank
Lake Elmo Bank
15-Month CD (special)
4.32%
$25,000
Vermont State Bank
Vermont State Bank
60-Month CD
4.30%
$500
Liberty Bank Poulsbo, WA
Liberty Bank Poulsbo, WA
12-Month CD (Jumbo)
4.07%
$100,000
FNB of Hereford
FNB of Hereford
24-Month CD
4.04%
$50,000
Y-12 Federal Credit Union
Y-12 Federal Credit Union
High Yield Checking (0-$15K)
4.00%
$0
Farm Bureau Bank FSB
Farm Bureau Bank FSB
48-Month CD
3.70%
$1,000
Minnesota First
Minnesota First
36-Month CD
3.54%
$500
Craft Bank
Craft Bank
48-Month CD
3.31%
$1
Monroe Federal S&L
Monroe Federal S&L
84-Month CD
3.25%
$1,000
Y-12 Federal Credit Union
Y-12 Federal Credit Union
18-Month CD
3.25%
$500
Woodruff Federal S&L
Woodruff Federal S&L
24-Month CD
3.24%
$1,000
Gate City Bank
Gate City Bank
12-Month CD
3.10%
$1,000
AAA Federal Savings Bank
AAA Federal Savings Bank
High-Yield Savings
3.05%
$100
Citizens National Bank Cameron, TX
Citizens National Bank Cameron, TX
Advantage Plus Savings
3.00%
$0
Citizens National Bank of Albion
Citizens National Bank of Albion
36-Month CD
2.82%
$1,000
Campbell & Fetter Bank
Campbell & Fetter Bank
48-Month CD
2.78%
$1,000
Y-12 Federal Credit Union
Y-12 Federal Credit Union
24-Month CD
2.75%
$500
Frontier Community Bank
Frontier Community Bank
24-Month CD
2.50%
$1,000
BankGloucester
BankGloucester
Premier Plus Money Market
2.50%
$1,000,000
Superior National Bank
Superior National Bank
24-Month CD
2.27%
$500
State Central Bank
State Central Bank
18-Month CD
2.26%
$10,000
New Millennium Bank
New Millennium Bank
60-Month CD
2.00%
$500
Southwest National Bank
Southwest National Bank
60-Month CD
2.00%
$500
QNB Bank
QNB Bank
48-Month CD
1.09%
$500
RBT Rollstone B&T
RBT Rollstone B&T
24-Month CD
1.00%
$500
Peoples First Savings Bank
Peoples First Savings Bank
48-Month CD
0.75%
$500
Presence Bank
Presence Bank
48-Month CD
0.65%
$250
Lee Bank
Lee Bank
48-Month CD
0.55%
$500
Y-12 Federal Credit Union
Y-12 Federal Credit Union
12-Month CD
0.55%
$500
Mifflinburg B&T CO.
Mifflinburg B&T CO.
18-Month CD
0.50%
$500
CNB Clinton National Bank
CNB Clinton National Bank
18-Month CD
0.50%
$500
Peoples Bank Chestertown, MD
Peoples Bank Chestertown, MD
60-Month CD
0.50%
$500
Madison Valley Bank
Madison Valley Bank
Personal Savings Account
0.45%
$50
5 Star Bank
5 Star Bank
36-Month CD
0.45%
$500
Y-12 Federal Credit Union
Y-12 Federal Credit Union
6-Month CD
0.40%
$500
Citizens State Bank Cadott, WI
Citizens State Bank Cadott, WI
24-Month CD
0.35%
$1,000
Bank of Pensacola
Bank of Pensacola
6-Month CD
0.30%
$0
Reliance State Bank
Reliance State Bank
Savings
0.30%
$200
First Secure Bank and Trust Co.
First Secure Bank and Trust Co.
12-Month CD
0.25%
$1,000
South Ottumwa SB
South Ottumwa SB
18-Month CD
0.25%
$500
FNB of Raymond
FNB of Raymond
Statement Savings
0.20%
$50
Eastern Bank
Eastern Bank
18-Month CD (Business Select)
0.20%
$500
First National Bank of Kentucky
First National Bank of Kentucky
Savings Account Statement
0.15%
$100
Windsor Federal S&L
Windsor Federal S&L
12-Month CD
0.15%
$1,000
Community Bank of Elmhurst
Community Bank of Elmhurst
24-Month CD
0.10%
$500
Toyota Financial Savings Bank
Toyota Financial Savings Bank
Savings
0.10%
$0
BankPlus
BankPlus
3-Month CD
0.10%
$1,000
UniBank
UniBank
Money Market
0.05%
$2,500
U.S. Bank
U.S. Bank
18-Month CD
0.05%
$500
Superior National Bank
Superior National Bank
Business Savings
0.05%
$100
Y-12 Federal Credit Union
Y-12 Federal Credit Union
Primary Share Savings
0.05%
$1
PS Bank
PS Bank
Money Market Tier 1
0.03%
$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
Mutual Security Credit Union
Mutual Security Credit Union
15-Year Fixed
6.000%
6.043%
0.000
Navy Federal Credit Union
Navy Federal Credit Union
15-Year Fixed
5.875%
6.071%
0.250
Citizens State Bank Cadott, WI
Citizens State Bank Cadott, WI
10-Year Fixed
5.875%
6.205%
0.000
Alliant Credit Union
Alliant Credit Union
15-Yr. Fixed
6.125%
6.340%
0.000
1st Northern California Credit Union
1st Northern California Credit Union
30-Year Fixed
6.250%
6.343%
0.500
Missouri Credit Union
Missouri Credit Union
10 Year Fixed
6.375%
6.494%
0.000
FirstBank of Nebraska
FirstBank of Nebraska
20-Year Fixed
6.500%
6.501%
0.000
Marathon Bank
Marathon Bank
15-Year Fixed
6.375%
6.551%
0.000
Y-12 Federal Credit Union
Y-12 Federal Credit Union
15-Year Fixed
6.375%
6.578%
1.000
Hatboro Federal Savings
Hatboro Federal Savings
30-Year Fixed
6.375%
6.621%
2.000
First National Bank of Hutchinson
First National Bank of Hutchinson
20-Year Fixed
6.500%
6.661%
0.000
First Citizens Federal Credit Union
First Citizens Federal Credit Union
20 Year Fixed
6.500%
6.690%
0.000
Hiway Credit Union
Hiway Credit Union
20 Year Fixed
6.500%
6.696%
0.000
Mid Oregon Federal Credit Union
Mid Oregon Federal Credit Union
15 Year Fixed
6.500%
6.766%
0.000
First Federal Bank of Kansas City
First Federal Bank of Kansas City
30-Year Fixed
6.625%
6.772%
1.497
Missouri Credit Union
Missouri Credit Union
30 Year Fixed
6.750%
6.802%
0.000
Fox Valley Savings Bank
Fox Valley Savings Bank
15-Year Fixed
6.625%
6.843%
0.000
Geddes Federal S&L
Geddes Federal S&L
10-1 ARM
6.375%
6.861%
0.000
FNB of River Falls
FNB of River Falls
15-Year Fixed
6.750%
6.871%
0.500
Spire Credit Union
Spire Credit Union
15 Year Fixed
6.625%
6.872%
0.000
FNB of Scotia
FNB of Scotia
30-Year Fixed
6.800%
6.878%
0.000
LAF Credit Union
LAF Credit Union
20 Year Fixed
6.625%
6.878%
0.000
McCoy Federal Credit Union
McCoy Federal Credit Union
30 Year Fixed
6.750%
6.893%
0.000
Freedom Credit Union
Freedom Credit Union
30 Year Fixed
6.875%
6.918%
0.000
LMCU Lake Michigan Credit Union
LMCU Lake Michigan Credit Union
30-Year Fixed
6.875%
6.949%
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%
600 Atlantic Federal Credit Union
600 Atlantic Federal Credit Union
Visa Credit Card
11.900%
1st Northern California Credit Union
1st Northern California Credit Union
Visa Classic
11.900%
1st Northern California Credit Union
1st Northern California Credit Union
Visa Premier
9.900%
University First Federal Credit Union
University First Federal Credit Union
Visa Business Rewards Card
15.240%
Abbey Credit Union
Abbey Credit Union
VISA® Gold
11.960%
Suncoast Credit Union
Suncoast Credit Union
Rewards Student Classic
16.500%
Credit Limit - $500
Vystar Credit Union
Vystar Credit Union
Savings Secured Visa®
18.000%
ACFCU
ACFCU
Everyday Rewards+ Card Visa
19.490% - 29.740%
Earn up to 4x unlimited points AND receive a $150 bonus.
Suncoast Credit Union
Suncoast Credit Union
Rewards Classic Starter VISA
16.500%
Credit Limit - $300 - $500
America First Federal Credit Union
America First Federal Credit Union
CLASSIC REWARDS VISA
18.000%
1st Valley Credit Union
1st Valley Credit Union
Platinum Secured Visa
8.750%
America First Federal Credit Union
America First Federal Credit Union
CLASSIC FLAT 1% CASH BACK VISA
18.000%
1% Cash Back Classic Card
1st Northern California Credit Union
1st Northern California Credit Union
Visa Premier Plus
8.900%
Acadian Federal Credit Union
Acadian Federal Credit Union
Acadian CU Visa Classic
9.200%
9.20% APR for purchases, balance transfers and cash advances.
Security Service Federal Credit Union
Security Service Federal Credit Union
Security Service Power Travel Rewards World MasterCard
16.250% - 17.250%
America First Federal Credit Union
America First Federal Credit Union
Platinum Low Rate VISA
12.240%
Low Rate Platinum Card
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
Classroom Supply Visa
8.500%
LMCU Lake Michigan Credit Union
LMCU Lake Michigan Credit Union
Prime Platinum Visa Credit Card
11.500%
BECU Boeing Employees Credit Union
BECU Boeing Employees Credit Union
BECU Cash Back Visa
16.240% - 27.240%
Vystar Credit Union
Vystar Credit Union
Visa Signature® Cash Back
17.750%
Teachers Federal Credit Union
Teachers Federal Credit Union
Visa Low Rate
14.000%
Abbey Credit Union
Abbey Credit Union
VISA® Classic
12.960%
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
Ultra Loan
13.990%
$0
Y-12 Federal Credit Union
Y-12 Federal Credit Union
Access Line Of Credit
16.240%
$0
Y-12 Federal Credit Union
Y-12 Federal Credit Union
Signature Loan
12.490%
$0
University First Federal Credit Union
University First Federal Credit Union
Personal Loans
13.740%
$5,000
60 - 60
2 Rivers Area Credit Union
2 Rivers Area Credit Union
Signature Loan
10.000%
$0
60
802 Credit Union
802 Credit Union
Personal/Signature
10.990%
$0
24 - 36
AAEC Credit Union
AAEC Credit Union
Education (tuition bill required)
8.250%
$0
60
Mountain America Federal Credit Union
Mountain America Federal Credit Union
Personal Loan
12.740%
$0
36
The Golden 1 Credit Union
The Golden 1 Credit Union
Personal Line of Credit
13.040%
$0
Achieve Credit Union
Achieve Credit Union
Personal Loan
8.950%
$0
University First Federal Credit Union
University First Federal Credit Union
Personal Loans
12.990%
$0 - $2,000
24 - 24
Avenir Financial Federal Credit Union
Avenir Financial Federal Credit Union
Personal Loan
11.990%
$0
Achieve Financial Credit Union
Achieve Financial Credit Union
Credit Builder Loan
9.000%
$0
InFirst Bank
InFirst Bank
Personal Loan
13.000% - 13.140%
$1,500 - $15,000
36 - 36
Hughes Federal Credit Union
Hughes Federal Credit Union
Line of Credit
13.450%
$0
360 Federal Credit Union
360 Federal Credit Union
Signature LOC Revolving Credit Line
12.500%
$0 - $10,000
Achieve Financial Credit Union
Achieve Financial Credit Union
Unsecured/Personal Loans
8.990%
$0
SchoolsFirst Federal Credit Union
SchoolsFirst Federal Credit Union
Payroll Savings Loan
17.900%
$0 - $500
1st University Credit Union
1st University Credit Union
Unsecured Signature Loan
10.250%
$0
25 - 36
Suncoast Credit Union
Suncoast Credit Union
Technology Loan
9.750%
$0
36
Advantage Credit Union Newtown, IA
Advantage Credit Union Newtown, IA
Personal Loans
14.700%
$8,000
60 - 60
1st MidAmerica Credit Union
1st MidAmerica Credit Union
Signature Loan
10.700%
$0 - $10,000
60 - 60
1st Street Credit Union
1st Street Credit Union
50% Share Secured Loan
6.460% - 14.990%
$0
Act 1st Federal Credit Union
Act 1st Federal Credit Union
Signature Loan
11.500%
$0
48 - 48
Abri Credit Union
Abri Credit Union
Readi Cash Line-of-Credit Revolving
13.900%
$500 - $15,000
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

Already low current mortgage rates are making new all-time lows week after week. Today Freddie Mac reported both 30 year and 15 year fixed mortgage interest rates made another all-time low. We expected rates to fall again this week since a series of weak economic data was released sending bond yields lower which in turn sent mortgage rates lower.
Debt issues in Europe and slowing economies around the world will probably bring another round of quantitative easing from the U.S. Federal Reserve according to a recent survey. In CNBC's "snap" survey 58 market professionals believe the Fed will start another around of quantitative easing sometime over the next year. That's up from 33 professionals just 6 weeks ago.

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