Credit union · NCUA insured
Y-12 Federal Credit Union CD Rates
Y-12 Federal Credit Union’s best CD rate is 4.75% APY on a 6-month share certificate (CD). Terms run from 6 months to 2 years. Rates checked October 15, 2026.
How Y-12 Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Knoxville, TN, where Y-12 Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Y-12 Federal Credit Union
4.25%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $425
Choose Your Term Special Offer Share Certificate
Top rate
First Century Bank
5.01%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $501
2nd-highest rate
Knoxville TVA Employees Credit Union
5.00%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000
- $500
Y-12 Federal Credit Union CD score
87
CD score
Higher than 78% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo3.25%
- QualifiedQualified4.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Y-12 Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
PROMO: 6, 12, or 18 Months Share Certificate
4.75%APY · 3 terms
Minimum opening deposit to receive advertised rate is $50,000. 25% of opening deposit must be new money. At maturity, accounts automatically convert to a regular certificate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months25% new money required | 4.75% | — |
| 12 months25% new money required | 4.75% | — |
| 18 months25% new money required | 4.75% | — |
Sources (2)
All captured Oct 15, 2026
Choose Your Term Special Offer Share Certificate
Up to 4.25%APY · 2 terms
Limited time offer. Minimum balance to receive advertised rate is $500. Automatically renews at maturity unless changes are made during 7-day grace period. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–9 months6 or 9 Months term | 4.00% | $198 |
| 12 months12 Months term | 4.25% | $425 |
Sources (2)
All captured Oct 15, 2026
Share Certificate
Up to 3.25%APY · 6 terms
Dividends calculated daily, compounded/posted monthly. Penalty for early withdrawal. Balance tiers range from $500 to $100,000+.
| Term | APY · $500 – $9,999 | APY · $10,000 – $49,999 | APY · $50,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 months | 0.40% | 0.40% | 0.40% | — | 0.40%0.40% $500–$10k0.40% $50k–$100k | $20 |
| 6 monthsJumbo Certificate tier | — | — | — | 0.40% | —0.40% from $100k | — |
| 12 months | 0.55% | 0.55% | 0.55% | — | 0.55%0.55% $500–$10k0.55% $50k–$100k | $55 |
| 12 monthsJumbo Certificate tier | — | — | — | 0.55% | —0.55% from $100k | — |
| 13 months13 Month Select Rate Share Certificate rate may change once after 6 months at member's request | 0.10% | 0.15% | 0.20% | — | 0.15%0.10% $500–$10k0.20% $50k–$100k | $16 |
| 13 months13 Month Select Rate Share Certificate rate may change once after 6 months at member's request. Jumbo Certificate tier | — | — | — | 0.25% | —0.25% from $100k | — |
| 18 months | 3.25% | 3.25% | 3.25% | — | 3.25%3.25% $500–$10k3.25% $50k–$100k | $491 |
| 18 monthsJumbo Certificate tier | — | — | — | 3.25% | —3.25% from $100k | — |
| 19 months19 Month Select Rate Share Certificate rate may change once after 9 months at member's request | 0.25% | 0.30% | 0.35% | — | 0.30%0.25% $500–$10k0.35% $50k–$100k | $48 |
| 19 months19 Month Select Rate Share Certificate rate may change once after 9 months at member's request. Jumbo Certificate tier | — | — | — | 0.40% | —0.40% from $100k | — |
| 24 months | 2.75% | 2.75% | 2.75% | — | 2.75%2.75% $500–$10k2.75% $50k–$100k | $558 |
| 24 monthsJumbo Certificate tier | — | — | — | 2.75% | —2.75% from $100k | — |
Sources (1)
- y12fcu.org/banking-resources/rates · captured Oct 15, 2026
Special-purpose accounts
ROTH IRA Share Certificates
Up to 3.25%APY · 6 terms
Roth IRA certificates. Dividends calculated daily, compounded/posted monthly. Penalty for early withdrawal.
| Term | APY · $500 – $9,999 | APY · $10,000 – $49,999 | APY · $50,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 months | 0.40% | 0.40% | 0.40% | — | 0.40%0.40% $500–$10k0.40% $50k–$100k | $20 |
| 6 monthsJumbo Certificate tier ($100,000+) | — | — | — | 0.40% | —0.40% from $100k | — |
| 12 months | 0.55% | 0.55% | 0.55% | — | 0.55%0.55% $500–$10k0.55% $50k–$100k | $55 |
| 12 monthsJumbo Certificate tier ($100,000+) | — | — | — | 0.55% | —0.55% from $100k | — |
| 13 months13 Month Select Rate Certificate rate may be changed once after 6 months at member's request | 0.10% | 0.15% | 0.20% | — | 0.15%0.10% $500–$10k0.20% $50k–$100k | $16 |
| 13 months13 Month Select Rate Certificate rate may be changed once after 6 months at member's request. Jumbo Certificate tier ($100,000+) | — | — | — | 0.25% | —0.25% from $100k | — |
| 18 months | 3.25% | 3.25% | 3.25% | — | 3.25%3.25% $500–$10k3.25% $50k–$100k | $491 |
| 18 monthsJumbo Certificate tier ($100,000+) | — | — | — | 3.25% | —3.25% from $100k | — |
| 19 months19 Month Select Rate Certificate rate may change once after 9 months at member's request | 0.25% | 0.30% | 0.35% | — | 0.30%0.25% $500–$10k0.35% $50k–$100k | $48 |
| 19 months19 Month Select Rate Certificate rate may change once after 9 months at member's request. Jumbo Certificate tier ($100,000+) | — | — | — | 0.40% | —0.40% from $100k | — |
| 24 months | 2.75% | 2.75% | 2.75% | — | 2.75%2.75% $500–$10k2.75% $50k–$100k | $558 |
| 24 monthsJumbo Certificate tier ($100,000+) | — | — | — | 2.75% | —2.75% from $100k | — |
Sources (1)
- y12fcu.org/banking-resources/rates · captured Oct 15, 2026
Traditional IRA Share Certificates
Up to 3.25%APY · 6 terms
Traditional IRA certificates. Dividends calculated daily, compounded/posted monthly. Penalty for early withdrawal.
| Term | APY · $500 – $9,999 | APY · $10,000 – $49,999 | APY · $50,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 months | 0.40% | 0.40% | 0.40% | — | 0.40%0.40% $500–$10k0.40% $50k–$100k | $20 |
| 6 monthsJumbo Certificate tier ($100,000+) | — | — | — | 0.40% | —0.40% from $100k | — |
| 12 months | 0.55% | 0.55% | 0.55% | — | 0.55%0.55% $500–$10k0.55% $50k–$100k | $55 |
| 12 monthsJumbo Certificate tier ($100,000+) | — | — | — | 0.55% | —0.55% from $100k | — |
| 13 months | 0.10% | 0.15% | 0.20% | — | 0.15%0.10% $500–$10k0.20% $50k–$100k | $16 |
| 13 monthsJumbo Certificate tier ($100,000+) | — | — | — | 0.25% | —0.25% from $100k | — |
| 18 months | 3.25% | 3.25% | 3.25% | — | 3.25%3.25% $500–$10k3.25% $50k–$100k | $491 |
| 18 monthsJumbo Certificate tier ($100,000+) | — | — | — | 3.25% | —3.25% from $100k | — |
| 19 months | 0.25% | 0.30% | 0.35% | — | 0.30%0.25% $500–$10k0.35% $50k–$100k | $48 |
| 19 monthsJumbo Certificate tier ($100,000+) | — | — | — | 0.40% | —0.40% from $100k | — |
| 24 months | 2.75% | 2.75% | 2.75% | — | 2.75%2.75% $500–$10k2.75% $50k–$100k | $558 |
| 24 monthsJumbo Certificate tier ($100,000+) | — | — | — | 2.75% | —2.75% from $100k | — |
Sources (1)
- y12fcu.org/banking-resources/rates · captured Oct 15, 2026
Education IRA Share Certificates
Up to 2.75%APY · 4 terms
Education IRA certificates. Also known as Coverdell Education Savings Account (ESA). Dividends calculated daily, compounded/posted monthly. Penalty for early withdrawal.
| Term | APY · $500 – $9,999 | APY · $10,000 – $49,999 | APY · $50,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 months | 0.40% | 0.40% | 0.40% | — | 0.40%0.40% $500–$10k0.40% $50k–$100k | $20 |
| 6 monthsJumbo Certificate tier ($100,000+) | — | — | — | 0.40% | —0.40% from $100k | — |
| 12 months | 0.55% | 0.55% | 0.55% | — | 0.55%0.55% $500–$10k0.55% $50k–$100k | $55 |
| 12 monthsJumbo Certificate tier ($100,000+) | — | — | — | 0.55% | —0.55% from $100k | — |
| 13 months13 Month Select Rate Certificate rate may be changed once after 6 months at member's request | 0.10% | 0.15% | 0.20% | — | 0.15%0.10% $500–$10k0.20% $50k–$100k | $16 |
| 13 months13 Month Select Rate Certificate rate may be changed once after 6 months at member's request. Jumbo Certificate tier ($100,000+) | — | — | — | 0.25% | —0.25% from $100k | — |
| 24 months | 2.75% | 2.75% | 2.75% | — | 2.75%2.75% $500–$10k2.75% $50k–$100k | $558 |
| 24 monthsJumbo Certificate tier ($100,000+) | — | — | — | 2.75% | —2.75% from $100k | — |
Sources (1)
- y12fcu.org/banking-resources/rates · captured Oct 15, 2026
Who can join Y-12 Federal Credit Union
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.
Membership information collected October 5, 2026.