Y-12 Credit Union Clinton TN | Best Auto Loans & Drive-Thru Banking

Introduction

At Y-12, we believe that a strong community starts with strong financial foundations. Located at 450 N Charles G Seivers Blvd, Clinton, TN 37716, our branch is not just a financial institution; it's a place where relationships are built, and dreams are realized. Established in 1950, we have proudly served over 115,000 members with a total asset base of $2.15 billion and total deposits amounting to $3,918,129. Our commitment to you extends beyond numbers. We understand that every member's journey is unique, and that's why we offer personalized services tailored to your needs from checking and savings accounts to auto loans and mortgage financing. With an impressive portfolio of 66,356 loans and leases, we aim to support your financial goals while fostering trust and reliability in our community. Led by our dedicated CEO, Mark Ziegler, and Board President, David Rupert, our team of 359 employees is here to assist you. Whether you're visiting for the first time or have been with us for years, we prioritize your financial well-being. Our goal is to ensure you feel valued and supported every step of the way. While members can visit us at our branch location, official correspondence should be sent to the same address: 450 N. Charles Seivers Blvd, Clinton, TN 37716. We invite you to explore all that Y-12 has to offer. Contact us today at 865-482-1043 or visit our website at y12fcu.org for more information about our services. Let's work together towards building a brighter financial future!

Branch History & Mission

Join Us

At Y-12, we invite you to experience firsthand the benefits of being part of a member-focused credit union. With operating hours from Monday through Friday 9:00 AM to 5:30 PM and Saturday 9:00 AM to 12:00 PM, we're here to serve you when you need us most. Whether it's through our convenient ATM services or drive-thru banking options, your financial well-being is our priority. Join us today and become part of a community that values trust and partnership. Together, let's pave the way towards achieving your financial goals! For more information or to open an account with us online, please visit Y-12's official website. If you have any questions or need assistance, feel free to call us at 865-482-1043.

Our Evolution

From our humble beginnings, Y-12 has evolved significantly. We began with a mission to provide reliable financial services to our members, and over the years, we've expanded our offerings while maintaining a strong focus on member satisfaction. Today, we proudly manage assets totaling over $2.14 billion, reflecting our growth and stability in the financial landscape. Our operations have seen tremendous advancements as we embraced technology to enhance member experiences. We offer online and mobile banking services that allow you to manage your finances anytime, anywhere. Additionally, our ADA-compliant facilities ensure that everyone in our community can access our services comfortably.

Our Mission

The mission of Y-12 is simple yet powerful: to empower our members through personalized financial solutions while fostering a sense of community and support. We believe that banking should be accessible and inclusive for everyone. That's why we provide various services such as personal checking and savings accounts, auto loans, mortgages, business banking solutions, and more. Community support is at the heart of what we do. Through partnerships with local organizations and outreach initiatives, we strive to make a positive impact on the lives of those we serve in Clinton and beyond. While members can visit us at 450 N Charles G Seivers Blvd, official correspondence should be sent to 450 N. Charles Seivers Blvd, Clinton, TN 37716 if different from our branch address.

Branch Location & Accessibility

Easy Access and Parking

At Y-12 Clinton Branch, we prioritize your convenience. We have ample parking available, ensuring that you can park with ease when you visit us. For those who require additional support, our facility is ADA compliant, featuring ramps and accessible entrances to assist everyone in our community.

Operating Hours That Fit Your Schedule

We understand that your time is valuable. That's why our lobby hours are designed to accommodate your busy lifestyle. You can visit us Monday through Friday from 9:00 AM to 5:30 PM and on Saturdays from 9:00 AM to 12:00 PM. If you need to get things done outside of these hours, don't worry! We also offer ATM services that are available around the clock for quick cash withdrawals and balance checks.

Services Tailored for You

At Y-12, we're not just a place to bank; we're a community partner offering a variety of personal and business banking services. From checking and savings accounts to auto loans and mortgages, we've got you covered. Plus, enjoy the convenience of our drive-thru banking for simple transactions without leaving your car. If you have any questions or need assistance, don't hesitate to reach out! You can call us at (865) 482-1043 for any inquiries or assistance regarding your financial needs. We invite you to come by and discover how Y-12 can help you achieve your financial goals. Our friendly team is ready to welcome you!

Member Eligibility

At Y-12, we believe that being a member means being part of a caring community where everyone is valued. If you're interested in joining us, you'll be pleased to know that becoming a member is open to many! Generally, anyone who lives, works, worships, or attends school in our local area is eligible for membership. We want you to feel at home with us, so we encourage you to check out the detailed eligibility criteria on our website at http://www.y12fcu.org/about/membership/. Once you're ready to take the next step, opening an account is straightforward and welcoming. Just visit us at https://apply.y12fcu.org/ to start your journey. If you have any questions or need assistance, don't hesitate to reach out by calling us at (865) 482-1043. Join Y-12 today and experience the benefits of being part of a community-focused credit union!

Business Banking & Commercial Services

Loan Options That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $617 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $13 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $327,061,618, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services Made Simple

In today's fast-paced world, efficient payment processing can make all the difference. Our merchant services simplify transactions, allowing you to focus on what matters most growing your business. From easy credit card processing to online payment solutions, we provide the tools you need to serve your customers better. Located at 450 N Charles G Seivers Blvd Clinton Tn 37716 in Clinton, TN, our dedicated team is ready to partner with you on your journey to success. Visit us or call us at (865) 482-1043 to explore how we can assist your business today!

Comprehensive List Of Services

Credit Cards and Business Banking

With our credit cards featuring rewards programs, every purchase you make can bring you closer to exciting benefits. Plus, if you're a business owner, our business banking services include merchant services and business loans designed to support your growth.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why at Y-12 Fcu Clinton Branch, we offer robust online and mobile banking features. With just a few taps on your smartphone, you can access your accounts, transfer funds, pay bills, and even send money to friends and family through person-to-person payment options. Our ATM services allow for easy cash withdrawals or balance checks whenever needed, ensuring that your money is always within reach.

Drive-Thru Services

For those who prefer face-to-face interactions but value efficiency, our drive-thru banking offers basic services like deposits and withdrawals without leaving your car. It's all about making your banking experience as easy as possible.

Get Started Today!

With flexible hours Monday through Friday from 9:00 AM to 5:30 PM and Saturday from 9:00 AM to 12:00 PM there's always a time that's convenient for you to visit us or give us a call at (865) 482-1043. We invite you to explore all that Y-12 has to offer by visiting our website at https://www.y12fcu.org/. Let us help guide you on your financial journey today!

Personal Banking Solutions

We understand that managing finances can be overwhelming at times. That's why we offer personal banking solutions tailored just for you. Our checking and savings accounts make it easy to keep track of your money while helping you earn interest along the way. Need a vehicle? Our auto loans and vehicle financing options provide competitive rates, making it easier for you to get behind the wheel without breaking the bank. For those larger purchases or home investments, consider our mortgage loans and refinancing options. We work with you to find the best terms that fit your budget and lifestyle. Additionally, if you're facing unexpected expenses, our personal loans and debt consolidation services can provide the relief you need.

Digital & Online Banking

Key Features

With our online banking services available at https://www.y12fcu.org/, you can enjoy 24/7 access to your accounts. Check balances, view transactions, and make transfers all in real-time. The convenience of electronic banking means that you can take care of your finances without having to visit a branch. We also provide e-statements, allowing you to receive your account statements electronically. This not only helps reduce paper clutter but also makes it easier for you to keep track of your financial activities. Plus, with our electronic signature authorization feature, signing documents is quick and hassle-free no more waiting for the mail!

Mobile Banking Made Easy

Our mobile application brings the bank right to your pocket. You can manage your accounts anywhere, anytime, which is perfect for those busy days when time is tight. Want to send money to a friend? Our person-to-person transfer feature allows you to do just that with ease. And if you prefer using mobile payments, we've got you covered! Our platform supports mobile payment options, making transactions smoother than ever. Whether you're shopping or settling up with friends, paying has never been more straightforward. At Y-12, we believe that banking should fit into your lifestyle seamlessly. With our user-friendly interface and robust security measures, managing your money is not just easy it's also safe. Join us today and experience the convenience of modern banking!

Financial Strength

Growing Membership Base

Total Share and Deposit Accounts stand at 236,372, showing a strong and growing member base that trusts us with their finances. With net shares available for lending and investments at $1,141,107, we're equipped to meet your needs effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Y-12 is your trusted partner. Visit us at 450 N Charles G Seivers Blvd Clinton Tn 37716 or call (865) 482-1043 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

Members' savings are secured through $482,217,692 in share certificates and $276,519,567 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $30,919,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $20,855,359 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 359 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting in Our Community

With $223,473,017 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment extends to supporting your financial goals with $20,577 in used auto loans and $1,702,214,799 in total loans and leases.

Strong Financial Health

With a net worth of $246,972,129, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,149 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $407,866,537 in used vehicle loans and $84,903,863 in new vehicle loans already helping members get on the road. We provide flexible terms that fit your budget and lifestyle, making it easier than ever to drive away in the vehicle you desire.

Business Loans

For business owners looking to expand or invest in new opportunities, our outstanding commercial loans totaling $327,061,618 provide the capital needed for growth. We understand the unique challenges businesses face and offer tailored solutions that support your ambitions. At Y-12, we are here to assist you not just with getting a loan but with understanding your options for refinancing and eligibility as well. For more details about our products or how to apply for a loan today, give us a call at 865-482-1043 or visit us at 450 N Charles G Seivers Blvd Clinton TN 37716. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step towards achieving your financial dreams!

Credit Lines

For those who need ongoing access to funds for unexpected expenses or planned purchases, we provide credit lines totaling $771,862,559. This option gives you the flexibility to borrow only what you need when you need it without having to apply for new credit each time.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $133,020,730, make buying or refinancing simple. We offer competitive interest rates and various terms to suit your needs. Our dedicated team is here to guide you through the process from start to finish.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging; that's why we also offer flexible terms on unsecured credit card loans. With a total of $52,349,837 in loans helping members manage their finances effectively, our credit cards come with rewards that add value to every purchase you make.

Loan Aggregator

Key Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in what is presented to users. Each lender's details are checked to confirm they meet strict regulatory standards. - No Sponsored Listings: Unlike other comparison tools, LendMesh does not prioritize lenders based on paid promotions. The focus is solely on providing unbiased results that empower users to make informed choices. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates across multiple institutions. This feature helps individuals compare current offers quickly, making it easier to find the best deal for their needs. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback underscores the reliability of the platform. If you're looking for an easy way to compare real-time loan offers, visit LendMesh today and discover the best rates tailored to your specific needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

Y12