Credit union · NCUA insured
Y-12 Federal Credit Union Savings Rates
Y-12 Federal Credit Union’s best savings rate is 0.15% APY on $10,000, with its Money Market. Rates checked October 15, 2026.
How Y-12 Federal Credit Union’s savings 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
0.15%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $15
Money Market
Top rate
Knoxville TVA Employees Credit Union
4.28%APY
- Minimum
- $0
- Earns on $10,000 a year
- $428
2nd-highest rate
SmartBank
4.00%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
Y-12 Federal Credit Union savings score
67
Savings score
Higher than 18% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.75%
- QualifiedQualified0.15%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
High Yield Money Market
Up to 3.50%APY
High Yield Checking account required. Must maintain a minimum average daily balance of $25,000 and meet High Yield Checking account qualifiers to earn High Yield dividends. If High Yield Checking is closed, High Yield Money Market must be closed. No dividends are paid for the dividend period if the minimum average daily balance qualifier is not met.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25,000 and upQualifying rate when High Yield Checking and minimum average daily balance requirements are met. High Yield Checking qualifiers: 15 debit and/or credit card monthly combined transactions, plus minimum $2,000 average daily balance or cumulative $1,000 monthly direct deposit.$25,000 and up | 3.50% | — | Qualifying rate when High Yield Checking and minimum average daily balance requirements are met. High Yield Checking qualifiers: 15 debit and/or credit card monthly combined transactions, plus minimum $2,000 average daily balance or cumulative $1,000 monthly direct deposit. |
| $25,000 and upEarns 1.00% APY for average daily balances of $25,000 and over if High Yield Checking requirements are not met.$25,000 and up | 1.00% | — | Earns 1.00% APY for average daily balances of $25,000 and over if High Yield Checking requirements are not met. |
Money Market Plus
Up to 3.50%APY
Minimum balance of $50,000 required to earn dividends.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $50,000 – $249,999 | 0.75% | — |
| $250,000 – $499,999 | 1.00% | — |
| $500,000 and up | 3.50% | — |
Money Market
0.15%APY
Minimum balance of $2,500 required to earn dividends.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $24,999 | 0.15% | $15 |
| $25,000 – $74,999 | 0.20% | — |
| $75,000 – $99,999 | 0.25% | — |
| $100,000 and up | 0.30% | — |
Primary Share
0.05%APY
Dividends calculated daily, compounded/posted quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upMinimum balance $1.00. Dividends calculated daily, compounded/posted quarterly.$1 and up | 0.05% | $5 | Minimum balance $1.00. Dividends calculated daily, compounded/posted quarterly. |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Jump Start Savings
0.05%APY
For members ages 0 to 17 only. Must be accompanied by a parent or legal guardian to open who will sign as joint-account owner. No monthly service fees. Minimum opening deposit $1.00.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000For ages 0-17. Tier for balances $0 - $5,000. Dividends calculated daily, compounded/posted quarterly. | 2.00% | — | For ages 0-17. Tier for balances $0 - $5,000. Dividends calculated daily, compounded/posted quarterly. |
| Over $5,000For ages 0-17. Earns regular share savings rate on balance of $5,000.01 and more. Dividends calculated daily, compounded/posted quarterly. | 0.05% | $5 | For ages 0-17. Earns regular share savings rate on balance of $5,000.01 and more. Dividends calculated daily, compounded/posted quarterly. |
Sources (3)
All captured Oct 5, 2026
Education Club
0.10%APY
Coverdell Education Savings Account (ESA) / Educational IRA for a child under age 18. Penalty for early withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends calculated daily, compounded/posted quarterly. Penalty for early withdrawal.Any balance | 0.10% | $10 | Dividends calculated daily, compounded/posted quarterly. Penalty for early withdrawal. |
Sources (2)
All captured Oct 5, 2026
Health Savings Club
0.10%APY
Eligible individuals must be covered under a qualified high deductible health plan (HDHP), not covered by non-HDHP, not enrolled in Medicare, and not claimed as dependent.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends calculated daily, compounded/posted quarterly. Funds must remain on deposit until club disbursement to earn dividends.Any balance | 0.10% | $10 | Dividends calculated daily, compounded/posted quarterly. Funds must remain on deposit until club disbursement to earn dividends. |
Sources (2)
All captured Oct 5, 2026
Roth Club
0.10%APY
Roth IRA savings account. Taxes paid upon deposit and tax-free withdrawals at retirement. Penalty for early withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends calculated daily, compounded/posted quarterly. Penalty for early withdrawal.Any balance | 0.10% | $10 | Dividends calculated daily, compounded/posted quarterly. Penalty for early withdrawal. |
Sources (2)
All captured Oct 5, 2026
Traditional IRA Savings
0.10%APY
Tax-deferred retirement savings. Penalty for early withdrawal. Contributions can be made as long as you have earned income.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends calculated daily, compounded/posted quarterly. Penalty for early withdrawal.Any balance | 0.10% | $10 | Dividends calculated daily, compounded/posted quarterly. Penalty for early withdrawal. |
Sources (2)
All captured Oct 5, 2026
Christmas Club
0.05%APY
Funds must remain on deposit until club disbursement in order for funds to earn dividends. Funds automatically transferred to Regular Savings or Checking account on October 1.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends calculated daily, compounded/posted quarterly. Funds must remain on deposit until club disbursement in order for funds to earn dividends.Any balance | 0.05% | $5 | Dividends calculated daily, compounded/posted quarterly. Funds must remain on deposit until club disbursement in order for funds to earn dividends. |
Vacation Club
0.05%APY
Funds must remain on deposit until club disbursement to earn dividends. Funds automatically transferred to Regular Savings or Checking account on June 1.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends calculated daily, compounded/posted quarterly. Funds must remain on deposit until club disbursement in order for funds to earn dividends.Any balance | 0.05% | $5 | Dividends calculated daily, compounded/posted quarterly. Funds must remain on deposit until club disbursement in order for funds to earn dividends. |
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.