Y-12 Credit Union Knoxville TN | Quick Personal Loans & Drive-Thru Banking

Introduction

Welcome to Y-12, your trusted partner in financial wellness located at 6640 Clinton Hwy, Knoxville, TN 37912. Since our establishment in 1950, we have proudly served the community and built strong relationships with our 115,349 members. With a total asset base of $2,146,504,594, we are dedicated to providing you with exceptional financial services tailored to meet your needs. At Y-12, we understand that your financial goals are unique. That's why we offer a wide range of services, including checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. Our commitment to our members goes beyond just banking; we strive to support our community through various initiatives and responsible lending practices. Led by our experienced CEO, Mark Ziegler, and Board President David Rupert, our team of 359 employees is here to assist you every step of the way. Whether you prefer online banking from the comfort of your home or visiting us in person for personalized service, we have options that fit your lifestyle. While members can visit us at 6640 Clinton Hwy, official correspondence should be sent to the same address as our mailing address. We also encourage you to reach out to us at 865-482-1043 for any inquiries or assistance. Join us at Y-12 and experience a credit union that values trust and community impact. Visit our website at y12fcu.org today to learn more about how we can help you achieve your financial dreams!

Branch History & Mission

Welcome to Y-12, where we proudly serve the vibrant community of Knoxville, TN. Established in 1950, our branch has a rich history of providing exceptional financial services while fostering strong community ties. Over the decades, we have grown significantly, now boasting a total membership of over 115,000 and assets totaling approximately $2.15 billion. Our journey reflects a commitment to our members and a dedication to their financial well-being. Located at 6640 Clinton Hwy, Knoxville, TN 37912, our branch is easy to find and conveniently situated near local landmarks that make visiting us a breeze. While members can visit us at this address for in-person service, official correspondence should be sent to our mailing address: 6640 Clinton Highway, Knoxville, TN 37912. At Y-12, our mission is clear: we strive to provide personal and business banking solutions that meet the diverse needs of our members while contributing positively to the community. We believe in the power of financial education and support, working tirelessly to help individuals and families achieve their financial goals. Our services include checking and savings accounts, auto loans, mortgages, credit cards with rewards, and various business banking options. In today's fast-paced world, we understand the importance of staying connected. That's why we've embraced digital advancements like online banking and mobile payments. We also ensure ADA compliance so everyone can access our services comfortably. With ATM availability and drive-thru banking at your convenience, we're here to make your banking experience as smooth as possible. Y-12 isn't just about banking; it's about building relationships. We actively engage in community outreach initiatives that promote local growth and development. Our partnerships with local organizations allow us to give back to Knoxville in meaningful ways. As you consider joining our family at Y-12, know that you will be welcomed into a community-focused environment where your financial health is our priority. Experience firsthand how we can support your dreams and aspirations by becoming a member today! Feel free to reach out at 865-482-1043 or explore more on our website at y12fcu.org. Together, let's build a brighter financial future!

Branch Location & Accessibility

Comprehensive Banking Services

When you visit us at our North Knoxville Branch, you'll find a wide range of services tailored just for you. From personal banking accounts like checking and savings, to auto loans, mortgages, credit cards with rewards, and business banking options our friendly staff is ready to assist you with all your financial needs. Plus, if you're in a hurry, our ATM is available for quick cash withdrawals and balance checks. While members can visit us at 6640 Clinton Hwy for their banking needs, please note that official correspondence should be sent to the same address as well.

Convenient Hours for Your Busy Life

We know your time is valuable! That's why our lobby hours are designed to fit your schedule: 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 need to stop by during your lunch break or on the weekend, we're here when you need us.

Easy Access and Parking

At Y-12, we understand that accessibility matters. Our branch features ADA-compliant ramps and ample parking spaces to ensure everyone can visit us with ease. If you're on the go, our drive-thru service offers a quick way to handle your banking needs without leaving your car.

Get In Touch!

Have questions? Need assistance? Don't hesitate to give us a call at 865-482-1043. We look forward to welcoming you into our branch soon! Come see how Y-12 Credit Union can support your financial journey today!

Member Eligibility

At Y-12, we believe that becoming a member is about joining a community that cares. If you're looking to join us, you'll be pleased to know that eligibility is open to those who live, work, worship, or attend school in our local area. This means if you're part of the Knoxville community, you can enjoy all the benefits we have to offer. Membership with Y-12 gives you access to personalized financial services and products designed to support your goals, whether that's saving for a home, purchasing a vehicle, or simply enjoying better banking options. Getting started is easy! You can check out the detailed eligibility criteria by visiting http://www.y12fcu.org/about/membership/. Once you're ready, opening an account is just a click away at https://apply.y12fcu.org/. If you have any questions along the way or need assistance, feel free to reach out to us at (865) 482-1043. We can't wait to welcome you into our family at Y-12, located conveniently at 6640 Clinton Hwy Knoxville Tn 37912!

Business Banking & Commercial Services

Merchant Services That Make Sense

Imagine running your business without worrying about payment processing. Our merchant services simplify transactions, allowing you to focus on what matters most: serving your customers. Accept payments seamlessly, whether in-store or online, ensuring that every sale is smooth and efficient. Visit us at 6640 Clinton Hwy Knoxville Tn 37912 in Knoxville, TN, or call us at (865) 482-1043 to learn more about how our business banking solutions can help you thrive. Let's partner together for your success!

Tailored Loan Options

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.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

If you're considering buying a new car or refinancing an existing loan, our auto loans are flexible and competitive. Picture yourself driving off in your dream vehicle without the stress of high-interest rates. Our team will guide you through every step, ensuring you find the right financing option that suits your budget.

Business Banking

For entrepreneurs, we offer specialized business banking services including merchant services and business loans. Running a business is challenging enough; let us help by providing the financial tools necessary for growth and success.

Convenient Access

Accessing your accounts has never been easier with our ATM and cash withdrawal services available at locations near you. Plus, enjoy basic drive-thru banking for quick deposits and withdrawals when you're on the go. At Y-12, we are committed to making banking simple and accessible for everyone in Knoxville. For more information about any of these services or to get started today, call us at (865) 482-1043 or visit us online at Y-12 Fcu North Knoxville Branch. Your financial wellness is just a step away!

Credit Cards with Rewards

Our credit cards not only provide convenience but also come with rewards for every dollar spent. Whether it's cash back on groceries or travel points for your next vacation, using our credit card can turn everyday purchases into exciting opportunities.

Mortgage Loans & Refinancing

Owning a home is within reach with our mortgage loans. We offer various options for first-time homebuyers and those looking to refinance their current mortgages. Think about how much easier it will be to manage monthly payments when you have a plan that fits your financial situation.

Personal Banking

We offer various personal banking options that include checking and savings accounts designed to help you manage your money effectively. Imagine having easy access to your funds anytime through our online and mobile banking platforms. With just a few taps on your smartphone or clicks on your computer, you can check balances, transfer funds, or pay bills from the comfort of your home.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, but our personal loans can help cover those costs without added stress. Additionally, if you're juggling multiple debts, consider our debt consolidation services. This means fewer payments each month and potentially lower interest rates making it simpler for you to regain control of your finances.

Digital & Online Banking

Key Features

Our online banking services provide you with 24/7 access to your accounts, allowing you to manage your finances on your own schedule. Whether you need to check your balance, pay bills, or transfer money between accounts, everything is right at your fingertips. You can also take advantage of our electronic signature authorization, making it simple and secure to complete transactions without the hassle of paper forms.

Manage Money Effortlessly

Need to send money quickly? Our person-to-person transfer feature lets you send funds directly to friends or family in moments. It's an easy way to split bills or help out someone in need without the fuss of writing checks or handling cash. And if you're on the go, don't forget about our mobile application! With it, you can do all these tasks and more right from the palm of your hand. At Y-12, we prioritize your financial well-being by providing secure and accessible banking solutions that fit into your busy lifestyle. Explore all our digital offerings today at https://www.y12fcu.org/ and experience how easy managing your money can be!

Stay Organized and In Control

If you're tired of paperwork cluttering your space, you'll love our e-statements feature. Get all your account statements delivered electronically, so you can stay organized and reduce waste all while being able to access them anytime you need. Plus, with mobile payments available, making purchases has never been easier. Just link your account to your favorite mobile payment app and enjoy fast transactions without the need for cash or cards.

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 are proud to share our financial strengths, which reinforce our commitment to serving you with confidence. 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 financial strength is further reflected in our $223,473,017 in undivided earnings, which allows us to reinvest in innovative banking tools and stronger lending options to serve you better. Additionally, 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 underscored by our impressive $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 and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. With net shares amounting to $1,141,107, we have funds available for lending and investments that can further enhance your experience with us. In total, we proudly manage 236,372, showcasing a strong and growing member base that trusts us with their finances. 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 6640 Clinton Hwy Knoxville Tn 37912 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. Whether you're considering a reliable used vehicle or a brand-new model, we have financing options that can fit your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $327,061,618 provide the capital needed to grow and expand. We are dedicated to supporting local businesses by offering tailored financial solutions that align with your objectives. Whether you're interested in refinancing an existing loan or exploring eligibility options, our team is here to assist you every step of the way. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. To learn more about our loan offerings or start your application process, feel free to contact us at (865) 482-1043 or visit us at our branch located at 6640 Clinton Hwy Knoxville Tn 37912 in Knoxville, TN. We're ready to help you take the next step towards achieving your financial goals!

Credit Lines and Unsecured Loans

For those looking for flexibility, our total credit lines reach $771,862,559, allowing you to borrow as needed while only paying interest on what you use. Additionally, 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. These options can provide you with peace of mind when unexpected expenses arise.

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 provide personalized service to guide you through the process and ensure you find the right loan for your situation.

Loan Aggregator

Benefits of Using LendMesh

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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). This ensures that every loan offer presented on the platform is fair and transparent. By working with reputable lenders, LendMesh maintains a high standard for accuracy in its comparisons.

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