Y-12

501 LAFAYETTE DRIVE
Oak Ridge, TN 37831

 

2019 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 - January 16, 2019

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 Rates APY MIN MAX
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
6 Mo CD
0.20% $10,000 $49,999 Learn MoreShow Less
6 Mo CD
0.30% $100,000 - Learn MoreShow Less
12 Mo CD
0.60% $10,000 $49,999 Learn MoreShow Less
Special: 18 Mo CD
1.85% $500 $9,999 Learn MoreShow Less
Special: 18 Mo CD
1.90% $10,000 $49,999 Learn MoreShow Less
Special: 18 Mo CD
1.95% $50,000 $99,999 Learn MoreShow Less
Special: 18 Mo CD
2.00% $100,000 - Learn MoreShow Less
24 Mo CD
0.90% $10,000 $49,999 Learn MoreShow Less
36 Mo CD
0.95% $10,000 $49,999 Learn MoreShow Less
1.80% $10,000 $49,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
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 - January 16, 2019

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 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.301% 4.250% 0.25 $1,632 $1,230 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.250% 5.250% 0.00 $0 $1,381 Learn More
J.G. Wentworth Home Lending, LLC
NMLS ID: 2925
License#: MC-1875
4.275% 4.250% 0.25 $730 $1,230 Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender Rate (%) Monthly Payment Learn More

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

Branches

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:
Ashburn,Virginia


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.

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*All images, logos and public notes on this page appear courtesy of Y-12 and are not subject to approval of BestCashCow. BestCashCow expressly disclaims all responsibility for this content.