Y-12 Federal Credit Union

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A short history of Y-12 FCU

Since its inception in 1950 the Y-12 Federal Credit Union has been serving its members in the OAK RIDGE, Tennessee area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Mark Ziegler, the Y-12 FCU has grown its membership to over 116,414 with assets of more than $1,116,435,830. They have a main office and 14 branch offices. Please see the credit unions website or contact them by phone at (865) 482-1043 or email them at netlink@y12fcu.org to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in OAK RIDGE, TN.

General Information For Y-12 FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 6775
State Tennessee 
Zip-Code 37831
Phone Number (865) 482-1043
Fax Number (865) 220-8424
Email Address: netlink@y12fcu.org
CEO/President Mark Ziegler
Members 116,414 
Full-Time Employees 252 
Part-Time Employees 15 
Number of Branch Offices 14 
Total Assets 1,116,435,830 
Website http://www.y12fcu.org 

Compare Y-12 Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Enrichment CU HALLS BRANCH HALLS BRANCH 37918 (865) 482-0045 No 0.57
Ornl CU LaFollette 2229 Jacksboro Pike 37766 (865) 688-9555 No 1.19
Tennessee Members 1st CU TN Members 1ST FCU 112 Administration Rd 37831 (865) 482-4343 No 2.04
Tnconnect CU TNConnect Credit Union 6211 Middlebrook Pike 37950 (865) 688-2424 No 14.73
Holston Methodist CU Main Office 6207 Highland Place Way Ste 101 37950 (865) 558-3117 No 15.74

Y-12 Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Y-12 Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 9.00 3.74 4.49 4.13 4.50
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 160 242 263 159 168
Rank Among All Tennessee Credit Unions 13 49 35 27 16

Y-12 Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.10 0.05 0.20 0.70 0.40
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 116 143 114 224 243
Rank Among All Tennessee Credit Unions 11 20 18 23 34
Y-12 Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.00014,31328,175,428
All Other Unsecured Loans/Lines of Credit 9.60010,45828,245,090
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 3.7406,151124,003,360
Used Vehicle Loans 4.49023,587312,569,772
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.1303,219347,628,067
Total Other Real Estate Loans/Lines of Credit 4.50078120,306,500
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 9.2506,23281,973,771
TOTAL LOANS & LEASES 64,741942,901,988

Y-12 Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 0000
    b. 15 Years or less 2,840315,782,85818129,350,934
    a. > 15 years 0000
    b. 15 Years or less 35830,725,26900
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 211,119,94071,889,200
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 12104,06400
Closed-End Adjustable Rate 7140,03200
Open-End Adjustable Rate 32210,771,2901063,658,045
Open-End Fixed Rate 4409,291,11433922,693
TOTALS 4,000367,934,56732735,820,872


Interest Only & Payment Option 1st Mortgage Loans 202,206,8840
Interest Only & Payment Option Other RE/LOC Loans 2288,973,8292,257,477
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Y-12 Federal Credit Union Member Offerings
First Time Homebuyer Program Yes
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans Yes
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes