Y-12 Credit Union Clinton TN | Best Auto Loans & Quick Personal Loans

Introduction

Welcome to Y-12, your trusted financial partner located at 101 Crosspark Dr, Clinton, TN 37716. Established in 1950, we have proudly served our community for over seven decades, growing alongside our members and adapting to their evolving financial needs. With a dedicated membership of 115,349 and total assets amounting to an impressive $2,146,504,594, we are committed to providing personalized service that empowers our members to achieve their financial goals. At Y-12, we believe in the power of community. Our extensive range of services includes everything from personal banking and auto loans to business financing and mortgage options. With $3,918,129 in total deposits and a strong net worth of $246,972,129, we strive to ensure the financial stability and success of our members. Under the leadership of our CEO, Mark Ziegler, and Board President, David Rupert, our team of 359 employees is here to assist you every step of the way. We take pride in delivering exceptional customer service while offering competitive rates on loans and savings accounts. Whether you need help with everyday banking or planning for your future, we're here for you. While you can visit us at our branch for all your banking needs, if you prefer official correspondence, please send it to our mailing address: 101 Crosspark Drive, Clinton, TN 37716. Ready to experience the Y-12 difference? Call us at 865-482-1043 or visit our website at www.y12fcu.org today! Let's work together towards building a brighter financial future.

Branch History & Mission

Join Us Today

As we continue to grow and adapt to the needs of our members, we invite you to be part of our journey at Y-12. Experience the difference of being part of a credit union that truly cares about its members and community. If you're ready to take the next step towards achieving your financial dreams with us, don't hesitate! Visit our website at Y-12 FCU or give us a call at 865-482-1043 today!

Our Mission

At Y-12, our mission is simple yet powerful: to provide high-quality financial services while fostering a sense of belonging within our community. We aim to create an inclusive environment where all members can feel valued and supported. Whether you are looking for personal banking options or business services, we work hard to ensure that your experience with us is positive and rewarding. We also embrace digital advancements to enhance your banking experience. With features like online banking, mobile payments, and e-statements, managing your finances has never been easier or more accessible. Our ATM services are available for quick transactions whenever you need them, complemented by drive-thru banking for added convenience. While members can visit us at 101 Crosspark Dr, official correspondence should be sent to 101 Crosspark Drive, Clinton, TN 37716 if needed.

Branch Location & Accessibility

Welcome to Y-12, your friendly neighborhood credit union located at 101 Crosspark Dr in Clinton, TN. We're proud to serve the Anderson County community, and our location makes it easy for you to access all the financial services you need. Whether you're popping by for a quick transaction or looking for more comprehensive banking options, we're here to help. While our branch is at 101 Crosspark Dr, official correspondence should be sent to the same address. We're conveniently situated near popular spots like the Clinton City Park, making us an ideal stop during your day out. With ample parking available and features that ensure everyone can access our services comfortably, visiting us is hassle-free. At Y-12, we understand your time is valuable. That's why we offer lobby hours from Monday through Friday from 9:00 AM to 5:30 PM and Saturday from 9:00 AM to 12:00 PM. Our friendly staff is always ready to assist you with personal banking needs, auto loans, mortgages, and much more. Need cash on the go? We have an ATM available for your convenience. Plus, if you're in a hurry, take advantage of our drive-thru banking services for quick deposits or withdrawals without leaving your car. If you have questions or need assistance, don't hesitate to give us a call at 865-482-1043. We can't wait to welcome you into our branch!

Member Eligibility

At Y-12, we believe that joining our community is more than just opening an account; it's about becoming part of a family that supports you financially and personally. To become a member, you'll find that the eligibility criteria are quite welcoming. If you live, work, worship, or attend school in the areas we serve, you're likely already eligible! We also open our doors to immediate family members of current members, making it easy for your loved ones to join too. For the most up-to-date details on eligibility, feel free to check out this page. Becoming a member at Y-12 not only grants you access to a variety of financial services but also connects you with a supportive network that prioritizes your needs. Whether you're looking for checking and savings accounts, auto loans, or mortgages, we've got options tailored just for you. The application process is straightforward just visit this link to get started! If you have any questions along the way, don't hesitate to reach out at (865) 482-1043. We're here to help every step of the way!

Business Banking & Commercial Services

Financing Options for 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 That Matter

In addition to loans, we offer merchant services designed to simplify transactions for your business. Imagine a local coffee shop seamlessly processing customer payments while managing inventory effortlessly this is just one example of how our services can enhance your operations. Whether you need payment processing or point-of-sale systems, we're here to support you every step of the way. At Y-12 located at 101 Crosspark Dr Clinton Tn 37716, Clinton, TN, we are dedicated to helping businesses thrive. Reach out today at (865) 482-1043 to learn more about how we can assist your business journey!

Comprehensive List Of Services

Accessibility and Support

For those who prefer face-to-face interactions, our Basic Drive-Thru Banking allows for quick deposits, withdrawals, and simple transactions without leaving your vehicle. Our friendly staff is always ready to assist you during lobby hours: Monday through Friday from 9:00 AM to 5:30 PM and Saturday from 9:00 AM to 12:00 PM. At Y-12, we understand that every member has unique financial needs. That's why we strive to make banking accessible and straightforward for everyone in our community. Ready to explore how we can assist you? Call us at (865) 482-1043 or visit our website at Y-12 Fcu Clinton I/75 Branch for more information about our services or to start an application today!

Credit Cards and Business Banking

Looking to earn rewards on your spending? Check out our Credit Cards with Rewards, which offer points and benefits that add value to your everyday purchases. For entrepreneurs and small business owners, our Business Banking services include essential Merchant Services & Business Loans that help streamline operations and support growth.

Digital Convenience

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking options that let you manage your accounts anytime, anywhere. You can easily check balances, transfer funds, and even make payments all from the palm of your hand. Plus, our ATMs offer cash withdrawal services along with balance checks whenever you need them.

Personal Banking

Managing your finances is made easy with our Personal Banking options. From Checking & Savings Accounts that help you save for future goals, to flexible Auto Loans & Vehicle Financing that get you behind the wheel of your dream car, we've got you covered. Our Mortgage Loans & Refinancing services allow you to find the perfect home financing solution, while Personal Loans & Debt Consolidation can assist with unexpected expenses or simplifying payments.

Digital & Online Banking

Anytime Access

No matter where life takes you, Y-12 ensures that your banking needs are just a click away. With our commitment to accessibility and ease-of-use, managing your finances has never been simpler or more secure. Discover the convenience of digital banking today!

Key Features for Your Convenience

Our online banking service allows you to check balances, transfer funds, and pay bills all in one place. Plus, with features like electronic signature authorization, you can complete important transactions without needing to visit a branch. For those who prefer a paperless approach, e-statements are available, making it easy to stay organized and environmentally friendly. If you're always on the move, our mobile application is here to help. You can manage your accounts right from your smartphone, whether you're making mobile payments or sending money through person-to-person transfers. It's banking that fits into your busy lifestyle!

Security You Can Trust

We prioritize your security. Our systems utilize advanced encryption technology to keep your personal information safe while allowing you access to real-time account management. You can bank with confidence knowing that your data is protected.

Financial Strength

Growing Membership Trust

Total Share and Deposit Accounts stand at 236,372, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $1,141,107. 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 101 Crosspark Dr Clinton Tn 37716 or call (865) 482-1043 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our commitment to operational efficiency is reflected in our $20,855,359. This allows us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 359 full-time employees who are dedicated to providing exceptional service.

Reinforcing Member Services

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 lending capacity supports your financial goals with $20,577 in used auto loans and $1,702,214,799 in total loans and leases.

Secure Savings Opportunities

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.

Solid 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 and competitive interest rates, making it easier than ever to drive away in the vehicle you want.

Credit Lines and Refinancing Options

For those looking for flexibility, our credit lines totaling $771,862,559 are available to help you cover unexpected expenses or manage cash flow more effectively. Additionally, if you're considering refinancing any existing loans, we have options that can lower your monthly payments or help you pay off debt faster. Our dedicated team at Y-12, located at 101 Crosspark Dr Clinton Tn 37716 in Clinton, TN, is here to assist you. For more information about our loan offerings or to discuss eligibility options, feel free to give us a call at (865) 482-1043 during our operating hours: Monday through Friday from 9:00 AM to 5:30 PM and Saturday from 9:00 AM to 12:00 PM. 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 toward achieving your financial goals!

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 work with you every step of the way to ensure you find the right mortgage solution tailored to your financial situation.

Unsecured Credit Card Loans

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 various rewards and benefits, making them an excellent choice for everyday purchases or larger expenses.

Loan Aggregator

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Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov), ensuring fair and transparent offers. This meticulous sourcing process means that users can trust the information they receive.

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