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

Introduction

Welcome to Y-12, your trusted financial partner in Harriman, TN! Located at 1715 Roane State Hwy, our branch has been serving the community since 1950. As a member of Y-12, you join a family of over 115,000 members who benefit from our commitment to providing exceptional personal and business banking solutions. At Y-12, we pride ourselves on being more than just a credit union; we are a vital part of the local community. With total assets exceeding $2.1 billion, we offer a range of services tailored to meet your financial needs, including checking and savings accounts, auto loans, mortgages, and business banking solutions. Our dedication is reflected in our net worth of $246,972,129 and cash reserves totaling $46,246,215, ensuring that we can support you today and in the future. Led by CEO Mark Ziegler and Board President David Rupert, our team of 359 employees is here to help you navigate your financial journey with personalized service and expert advice. Whether you're looking for competitive loan rates or convenient online banking options, Y-12 is dedicated to making banking easy and accessible. While members can visit us at our Harriman location for their everyday banking needs, official correspondence should be sent to 1715 Roane State Highway, Harriman, TN 37748. We invite you to explore our services at www.y12fcu.org or give us a call at 865-482-1043 for any inquiries. Join us today and experience the difference that comes with being a part of the Y-12 family!

Branch History & Mission

Community Commitment

We take pride in not only providing financial products but also engaging actively in community outreach efforts. Through partnerships with local organizations and initiatives focused on education and wellness, we aim to create lasting positive impacts in Harriman and beyond.

Join Us Today!

As we continue to grow and adapt to meet the changing needs of our members, we invite you to experience the benefits of membership at Y-12 Federal Credit Union. Visit us 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 or call us at 865-482-1043 for more information about how we can serve you better. Join us today and become part of a community that truly cares!

Our Evolution

Y-12 Federal Credit Union began as a small organization aimed at providing financial services to those in Oak Ridge, TN. Over the years, we expanded our reach and services to include Harriman and surrounding areas. This growth reflects our mission to foster financial well-being through personalized service and innovative solutions. As we celebrate decades of service, our commitment remains unwavering: to empower members with the tools they need for a secure financial future.

Our Mission

At Y-12, we believe in putting people first. Our mission is simple yet powerful: to enhance the quality of life for our members and community through exceptional financial services and support. We offer a variety of personal banking options including checking and savings accounts, auto loans, mortgages, credit cards with rewards, and more. We also pride ourselves on being accessible with features like online and mobile banking, ATMs, and basic drive-thru services for deposits and withdrawals. While members can visit us at 1715 Roane State Hwy for all their banking needs, official correspondence should be sent to 1715 Roane State Highway, Harriman, TN 37748 if different from this address.

Branch Location & Accessibility

Call Us Today!

For any inquiries or to learn more about what we can do for you, feel free to call us at 865-482-1043. We invite you to visit us at our Harriman location and experience the friendly service that Y-12 is known for! Your financial journey starts here let's take the next steps together!

Convenience and Accessibility

At Y-12, we understand that convenience matters. That's why our branch is designed with accessibility in mind. We have ADA-compliant features to ensure everyone can visit us comfortably. Ample parking is available right outside our doors, making it easy for you to stop by whenever you need assistance.

Operating Hours and Services

We're open Monday through Friday from 9:00 AM to 5:30 PM, and Saturday from 9:00 AM to 12:00 PM. Whether you're looking to open a new account or discuss loan options, our team is ready to assist you during these hours. Our branch offers a range of services tailored just for you. From personal banking solutions like checking and savings accounts to auto loans and credit cards with rewards, we've got everything covered. Need quick access? Our drive-thru service allows you to handle deposits and withdrawals without leaving your car.

Member Eligibility

At Y-12, we believe that everyone deserves a chance to be part of a community that truly cares. Becoming a member is easy and welcoming! If you live, work, or worship in Roane County, you're already eligible to join us. We also extend our membership to family members of existing members, creating a supportive network for everyone. By joining Y-12, you'll enjoy personalized financial services tailored just for you, from checking accounts to loans and more. It's all about making your banking experience as beneficial as possible. To learn more about the specific eligibility requirements and see if you qualify, check out our detailed resource at http://www.y12fcu.org/about/membership/. When you're ready to take the next step and open an account, visit us online at https://apply.y12fcu.org/ or give us a call at (865) 482-1043. We're here to help you every step of the way!

Business Banking & Commercial Services

Commercial Loans

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

Imagine a bustling day at your shop or office where payments flow smoothly and customers leave satisfied. Our merchant services make this possible. We provide easy payment processing solutions that allow you to focus on what matters most growing your business. From credit card transactions to online payments, we ensure your operations run without a hitch. Located at 1715 Roane State Hwy Harriman Tn 37748 in Harriman, TN, we invite you to explore how our business banking and commercial services can empower your success. Reach out today at (865) 482-1043!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash? Our branch offers ATM services for quick withdrawals and balance checks. Plus, with basic drive-thru banking available for deposits and simple transactions, getting the help you need has never been easier. At Y-12, we're more than just a credit union; we're part of the community. If you're interested in learning more about any of our services or have questions about how we can assist you further, please don't hesitate to reach out at (865) 482-1043. Our friendly staff is ready to help! Explore all that we have to offer by visiting us at Y-12 Fcu Roane County Branch today!

Auto Loans & Vehicle Financing

Looking to purchase a new car? We offer auto loans and vehicle financing options that make buying a vehicle straightforward and stress-free. With flexible terms and competitive rates, our loans can help turn your dream of owning a car into reality. Imagine driving off in your new vehicle without the hassle of complicated financing procedures!

Business Banking

For our business members, we provide essential services such as merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we have solutions designed to help businesses thrive in today's competitive market.

Credit Cards with Rewards

With our credit cards featuring rewards programs, you can earn while you spend! Enjoy cash back on purchases or points toward travel whatever suits your lifestyle best. This added benefit makes every transaction more rewarding.

Mortgage Loans & Refinancing

Home ownership is within reach with our mortgage loans and refinancing options. We guide you through every step, ensuring you find the right mortgage solution tailored to your situation. Whether you're buying your first home or looking to refinance an existing mortgage for better rates, we're here to support you on this important journey.

Online & Mobile Banking

Embracing technology is key in today's world. That's why we offer robust online and mobile banking options. Manage your accounts anytime, anywhere with just a few taps on your smartphone or clicks on your computer. From checking balances to transferring funds, everything is at your fingertips.

Personal Banking

We understand that managing your finances can be challenging. That's why we offer personal banking solutions like checking and savings accounts that suit various lifestyles. Our members enjoy the benefits of competitive interest rates and easy access to their funds. Whether you want to save for a rainy day or manage daily expenses, our accounts provide the flexibility you need.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or looking to consolidate debt, our personal loans can provide relief. These loans offer quick access to funds with manageable repayment plans, so you can focus on what really matters without being weighed down by financial stress.

Digital & Online Banking

Mobile Banking Made Easy

For those on the go, our mobile application makes banking even more convenient. You can manage your accounts, deposit checks, and make mobile payments all from your smartphone. Whether you're grabbing coffee or running errands, you'll have everything you need right in your pocket. At Y-12, we believe banking should fit into your lifestyle seamlessly. With features like e-statements and mobile payments, staying on top of your finances has never been easier. Join us today and experience the freedom of digital banking!

Online Banking Features

Our 24/7 online banking service lets you check your account balances, pay bills, and transfer funds without ever stepping foot in a branch. You'll enjoy the convenience of real-time account management right from your computer or mobile device. Plus, if you need to send money to friends or family, our person-to-person transfer feature makes it quick and hassle-free.

Security and Convenience

Your security is our top priority. We utilize advanced security measures to ensure that your information is protected. Additionally, our electronic signature authorization allows you to complete transactions securely without the need for physical paperwork. Say goodbye to waiting for statements in the mail our e-statements are available at your fingertips whenever you need them.

Financial Strength

At Y-12, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that trust is built on a solid foundation, and our robust financial health is designed to give you peace of mind. 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. 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. Our commitment to serving you extends beyond just numbers. 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. With $20,577 in used auto loans and $1,702,214,799 in total loans and leases, our lending capacity supports your financial goals across various sectors. Our operational efficiency is reflected in our $20,855,359, 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 ready to assist you with knowledgeable service. Net Shares (funds available for lending and investments) stand at $1,141,107, reinforcing our ability to support your needs effectively. Our growing member base is evidenced by the total share accounts reaching 236,372, showcasing the trust our community places in us. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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 1715 Roane State Hwy Harriman Tn 37748 or call (865) 482-1043 to learn more about how we can help you achieve your financial goals.

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 financing options that make it easier than ever to drive away in the vehicle you desire.

Business Loans

For business owners, our outstanding commercial loans totaling $327,061,618 provide the capital needed to grow and expand. We understand that every business has unique needs, which is why we work closely with you to create financing solutions tailored specifically for your enterprise.

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 guide you through every step of the process, ensuring you feel confident and informed as you navigate this significant investment.

Refinancing Options

If you're considering refinancing any of your existing loans, we encourage you to reach out. Our team can help assess your situation and explore potential savings through refinancing options that could lower your payments or improve your terms. At Y-12, we pride ourselves on making borrowing straightforward and stress-free. If you're interested in learning more about our loan offerings or have any questions regarding eligibility, please don't hesitate to contact us at (865) 482-1043 or visit us at our branch located at 1715 Roane State Hwy Harriman Tn 37748 in Harriman, TN. 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!

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. Whether you need to cover unexpected expenses or want to consolidate debt, our credit card options are designed to provide convenience and accessibility.

Loan Aggregator

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Ensuring Accurate Comparisons

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