Credit union · NCUA insured
Y-12 Federal Credit Union
A $2.8B credit union, the 181st largest of 4,329, headquartered in Oak Ridge, TN, with 137,505 members and 22 branches in 2 states. Best rates: CDs 4.75% and savings 0.15% APY.
Y-12 Federal Credit Union Carrot Score
72
Carrot Score
Higher than 31% of U.S. banks and credit unions
#17 of 32 in Knoxville, TN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Y-12 Federal Credit Union
Founded in June 1950 by employees at the Y-12 plant, Y-12 Federal Credit Union is a member-owned financial cooperative.
The credit union is a certified Community Development Financial Institution serving communities across the southeast United States.
- Headquarters
- 501 Lafayette Dr, Oak Ridge, TN 37830-7909
- NCUA charter
- 6775
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Individuals who do not qualify through another option can become eligible by joining the Y-12 FCU Gives Foundation, with the credit union making a one-time donation on their behalf.
Where you live or work
- Eligibility is open to individuals who live, work, worship, or attend school in one of the credit union's eligible communities.
Employers and groups
- Eligibility is open to current or retired employees of partner businesses and organizations in the U.S.
Family and household
- Eligibility is open to immediate family members of an existing member, including a parent, sibling, child, spouse, grandparent, grandchild, step-parent, step-sibling, or step-child.
Cost to join
- There are no membership fees at Y-12 Credit Union.
Branches
22 branches in 2 states
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Tennessee
16 branches
Knoxville area · 15
- Y-12 FCU Oak Ridge BranchMain office501 Lafayette Dr, Oak Ridge, TN 37830Directions
- Y-12 FCU Clinton Branch450 N Charles G Seivers Blvd, Clinton, TN 37716Directions
- Y-12 FCU Clinton I/75 Branch101 Crosspark Dr, Clinton, TN 37716Directions
- Y-12 FCU Farragut Branch13128 Kingston Pike, Farragut, TN 37934Directions
- Y-12 FCU Roane County Branch1715 Roane State Hwy, Harriman, TN 37748Directions
- Y-12 FCU LaFollette Branch2550 Jacksboro Pike, Jacksboro, TN 37757Directions
- Y-12 FCU Cedar Bluff Branch9245 Kingston Pike, Knoxville, TN 37922Directions
- Y-12 FCU Hardin Valley Branch2377 Cherahala Blvd, Knoxville, TN 37932Directions
- Y-12 FCU Middlebrook Branch9133 Middlebrook Pike, Knoxville, TN 37923Directions
- Y-12 FCU North Knoxville Branch6640 Clinton Hwy, Knoxville, TN 37912Directions
- Y-12 FCU Jacksboro1011 E Central Ave, La Follette, TN 37766Directions
- Y-12 FCU Lenoir City391 Highway 321 N, Lenoir City, TN 37771Directions
- Y-12 FCU Eagleton Branch2901 Old Knoxville Hwy, Maryville, TN 37804Directions
- Y-12 FCU Maryville Branch624 W Lamar Alexander Pkwy, Maryville, TN 37801Directions
- Y-12 FCU Powell Branch530 E Emory Rd, Powell, TN 37849Directions
Sevierville area · 1
- Y-12 FCU Sevierville Branch1203 Dolly Parton Pkwy, Sevierville, TN 37862Directions
Kentucky
6 branches
Middlesborough area · 3
- FSB Middlesboro1820 Cumberland Ave, Middlesboro, KY 40965Directions
- FSB Middlesboro East815 E Lothbury Ave, Middlesboro, KY 40965Directions
- FSB Pineville Harlan Rd287 US Highway 119, Pineville, KY 40977Directions
Corbin area · 2
- FSB London400 S Main St, London, KY 40741Directions
- FSB Waterpark1048 W Highway 92, Williamsburg, KY 40769Directions
Lexington area · 1
- FSB Lexington3620 Walden Dr Ste 100, Lexington, KY 40517Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.53% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.52% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.44% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $103 | $88 | — |
- CapitalNet worth ratio10.53%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.52%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.44%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$103Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Y-12 Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.