Y-12 Federal Credit Union

Headquarters

501 Lafayette Drive
Oak Ridge, TN 37831
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 0.85% →
1-Year CD 0.45% 0.67% →
2-Year CD 0.60% 0.80% →
5-Year CD 0.75% 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Y-12 is an NCUA insured institution located in Oak Ridge, TN. It was founded in 1950 and has approximately $1494.87 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.

NCUA Insured Yes / Federally Chartered
Charter Number # # 6775
Date Established 1950
Assets $1,494.87 million
Loans $1,197.44 million
Deposits $1,310.69 million
Capital $166.32 million
 

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 - December 3, 2021

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.05% $2,500 $4,999 Learn More
Money Market
0.15% $2,500 $2,999 Learn More
Money Market
0.15% $10,000 $14,999 Learn More
Money Market
0.20% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.20% $10,000 $14,999 Learn More
6 Mo CD
0.30% $100,000 $199,999 Learn More
12 Mo CD
0.35% $10,000 $14,999 Learn More
12 Mo CD
0.45% $100,000 $199,999 Learn More
18 Mo CD
0.40% $10,000 $14,999 Learn More
18 Mo CD
0.50% $100,000 $199,999 Learn More
24 Mo CD
0.50% $10,000 $14,999 Learn More
24 Mo CD
0.60% $100,000 $199,999 Learn More
36 Mo CD
0.60% $10,000 $14,999 Learn More
36 Mo CD
0.70% $100,000 $199,999 Learn More
60 Mo CD
0.65% $10,000 $14,999 Learn More
60 Mo CD
0.75% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
Var IRA
0.10% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.03% $1 $99 Learn MoreShow Less
Int Ckg
0.03% $2,500 $3,499 Learn MoreShow Less

Loan Rates - December 3, 2021

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 2021

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
First Internet Bank
NMLS ID: 424182
2.910% 2.875% 0.50 $1,130 $1,038 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Flagstar Bank-Heloc
Flagstar Bank-Heloc
See Table
4.990 %
$0 Learn More
More Info

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



Climate Initiatives

Y-12 is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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
1.80% 3.79

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, 2021, Y-12 had $2,951,667 in non-current loans and $215,297 in owned assets. To cover these potential losses it had $166,316,425 in net worth and $9,436,048 in loans loss reserves. That gives it a Texas Ratio of 1.80%.

Net Worth
Y-12 U.S. Average
11.12% 12.22%

Y-12 FCU has a net worth of 11.12% versus the BestCashCow average of 12.22. 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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