Oak Ridge, TN 37831


2018 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 6775
Date Established 1950
Assets $1,199.85 million
Loans $998.26 million
Deposits $957.58 million
Capital $109.69 million

Y-12 is an NCUA insured institution located in Oak Ridge, TN. It was founded in 1950 and has approximately $1199.85 millions in assets.

Who can join?

Membership in Y-12 Federal Credit Union is open to anyone who lives, works, worships, or attends school in the following counties:

Anderson, Loudon, Blount, Roane, Campbell, Sevier, Knox, Union

If you qualify for membership, members of your immediate family are also eligible.

Field of Membership Restrictions

Membership in Y-12 Federal Credit Union is open to those who lives, works, worships, or attends school in Anderson, Loudon, Blount, Roane, Campbell, Sevier, Knox or Union counties in Tennessee.

Deposit Rates - November 12, 2018

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.15% $2,500 $24,999 Learn MoreShow Less
Money Market
0.20% $25,000 $74,999 Learn MoreShow Less
Fixed IRA
0.55% $500 $9,999 Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.15% $10,000 $49,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.40% $500 $9,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.03% $1 $4,999 Learn MoreShow Less

Loan Rates - November 12, 2018

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Y-12

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Learn More
First Internet Bank
NMLS ID: 424182
4.779% 4.750% 0.38 $832 $1,305 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings and Loans 4.24% $246 Learn More
Flagstar Bank 5.49% $284 Learn More

Note to Y-12
To upload and update your bank's rates please register. It is free to register and add rates.


Below are Y-12 branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Y-12 Locations

Financial Details

Y-12 Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Y-12. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Y-12 U.S. Average
8.99% 5.78

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2018, Y-12 had $9,803,004 in non-current loans and $735,846 in owned assets. To cover these potential losses it had $109,692,191 in net worth and $7,520,221 in loans loss reserves. That gives it a Texas Ratio of 8.99%.

Net Worth
Y-12 U.S. Average
9.14% 13.21%

Y-12 FCU has a net worth of 9.14% versus the BestCashCow average of 13.21. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions On Y-12

What is Y-12?

A federal credit union, registered with the NCUA under certificate #6775.
Learn more about credit unions here.

Is Y-12 FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Y-12?

Please see Field of Membership information above for information on who is eligible to join.

What are Y-12's share account and share certificate rates?

Y-12's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Y-12?

Y-12 has total capital of $109.69 million. Full information on Y-12's financial position is located above.

Who owns Y-12?

Credit Unions are owned by their members.

Where are Y-12 branches located?

See branch locations nearby.

Are Y-12 ATMs Open 24/7?

Do Y-12 ATMs accept cash deposits?

Can Y-12 customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Y-12 have a mobile app?

Does Y-12 have mobile deposit?

Does Y-12 have quick pay?

How can Y-12 transfer money to other banks or credit unions?

Does Y-12 report to credit bureaus?

Does Y-12 use Chexsystems?

Does Y-12 use Equifax?

What is Y-12's toll free phone number?

What is Y-12's ACH Routing Number?

What is Y-12's SWIFT code?

Where can I find Y-12's wire transfer form?

What is the Y-12 address for deposits?

What Products Does Y-12 Offer

Does Y-12 offer mortgages?

Compare mortgage rates here.

Does Y-12 offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Y-12 offer auto and RV loans?

Compare auto loan rates here.

Does Y-12 offer student loans or personal loans?

Compare personal loan rates here.

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