Y12 Credit Union | Nationwide Auto Loans & ATM Access

Y12 CU

Y-12 Federal Credit Union, established in 1950 and headquartered in Oak Ridge, Tennessee, is a strong national credit union serving over 115,000 members with a commitment to personalized and comprehensive financial services. With total assets exceeding $2.1 billion and a net worth of nearly $247 million, Y-12 FCU offers financial stability backed by experienced leadership under CEO Mark Ziegler and a dedicated team of 359 employees.

Members nationwide benefit from convenient ATM and cash withdrawal services, along with basic drive-thru banking for deposits and simple transactions. Y-12 provides competitive auto loans and vehicle financing options designed to get you on the road with confidence. Homebuyers can access tailored mortgage loans and refinancing solutions that support diverse homeownership goals. Personal banking products include checking and savings accounts, credit cards with rewards, personal loans, and debt consolidation programs to simplify your finances.

For business members, Y-12 offers merchant services and flexible business loan programs aimed at fostering growth. Robust online and mobile banking platforms ensure seamless money management anytime, anywhere. Discover how Y-12 Federal Credit Union combines financial strength with member-focused service to empower your financial future nationwide. Learn more at https://www.y12fcu.org/.

Introduction

Welcome to y12, a trusted financial partner established in 1950. With our headquarters located in the heart of Oak Ridge, TN, we pride ourselves on our commitment to serving the community and empowering our members through innovative financial solutions. Under the leadership of CEO Mark Ziegler and Board President David Rupert, we strive to create an inclusive environment that prioritizes your financial well-being.

At y12, we understand that modern banking requires flexibility and convenience. That's why we offer a range of state-of-the-art tools, including online banking, a mobile application for easy access, person-to-person transfers, e-statements, mobile payments, and electronic signature authorization. Our services are designed with you in mind, ensuring that managing your finances is as seamless as possible. Additionally, your deposits are safeguarded with NCUA insurance since 1/4/1971 0:00, providing you peace of mind as you navigate your financial journey. For more information about our offerings or to get in touch with us, visit our website at https://www.y12fcu.org/ or reach us via fax at (865) 220-8424. Join us today and experience a member-first approach that puts your needs at the forefront.

Financial Services

At y12, we pride ourselves on offering a comprehensive suite of financial services designed to meet the diverse needs of our members. Whether you’re looking for personal banking options like checking and savings accounts or seeking financing solutions such as auto loans, mortgage refinancing, or business loans, we have you covered. Our commitment to providing top-notch services includes innovative features like ATM and cash withdrawal services, mobile payments, and credit cards with rewards that empower you to manage your finances effortlessly. With tools such as online banking and our convenient mobile application, you can access your accounts anytime, anywhere, making everyday banking a breeze.

Our digital offerings extend beyond basic transactions; we understand that planning for life milestones is essential. That’s why we provide person-to-person transfers, e-statements, and e-signatures to ensure your banking experience is seamless and efficient. Whether you're saving for a dream vacation or launching a small business, our resources are tailored to support your financial journey. If you're considering membership with us, feel free to explore the eligibility criteria at http://www.y12fcu.org/about/membership/. And if you're in the market for loans, check out https://www.lendmesh.com/loans/vehicle_loans for competitive rates that suit your budget. For any personal assistance or inquiries, don’t hesitate to reach out to us at (865) 220-8424. Your financial well-being is our priority, and we're here to help you every step of the way.

Financial Highlights

Y-12 Federal Credit Union stands out as a trusted and valuable financial partner for its members, demonstrating unwavering commitment to community, transparency, and performance. With a total membership of 115,349, the credit union has built a strong network of individuals who rely on its services. This is underpinned by substantial financial stability, as evidenced by total assets amounting to 2,146,504,594 and a solid net worth of 246,972,129. The credit union's ability to generate a net income of 20,855,359 showcases its operational efficiency and sound management practices.

Y-12 Federal Credit Union has consistently attracted significant deposits, totaling 3,918,129, which highlights members' trust and confidence in the institution. Furthermore, with a robust portfolio consisting of 66,356 loans and leases, the credit union demonstrates its ability to meet diverse member needs—from personal banking solutions to auto financing options. The dedication of Y-12 is further reflected in its workforce, with a committed team of 359 employees working tirelessly to provide exceptional service.

The impressive net worth ratio of 1,149 indicates not only financial strength but also an efficient use of resources that enhances member benefits. In terms of lending capabilities, Y-12 offers substantial support in various areas such as credit card loans with a volume of 11,685, auto loans totaling 41,154, and commercial loans reaching up to 630. With a clear focus on responsible borrowing practices, the credit union maintains a manageable level of total borrowings at 190,000,000, ensuring it remains well-positioned to serve its members effectively.

In addition to being financially sound, Y-12 Federal Credit Union prioritizes member satisfaction through transparency and accessibility. As you consider your financial future, know that performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov. Compare real-time loan offers today at https://www.lendmesh.com/loans/vehicle_loans and find the best rates for your needs.

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Y12 CU

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