Y-12 Credit Union Knoxville TN | Affordable Vehicle Loans & ATM Services

Introduction

Welcome to Y-12 at Y-12 Fcu Cedar Bluff Branch, your trusted partner in financial well-being. Located at 9245 Kingston Pike, Knoxville, TN 37922, our branch has proudly served the community since 1950, establishing a legacy of trust and support for our 115,349 members. With total assets exceeding $2.15 billion and a commitment to providing exceptional service, we are dedicated to helping you achieve your financial goals. At Y-12, we understand that every member's journey is unique. That's why we offer a wide range of services tailored to fit your needs whether you're looking for personal banking options like checking and savings accounts, seeking financing through auto loans or mortgages, or exploring business banking solutions. Our total deposits of $3,918,129 reflect the confidence our members have in us to manage their finances safely and effectively. Our leadership team, led by CEO Mark Ziegler and Board President David Rupert, is committed to upholding the values that have made us a cornerstone of the community. With a dedicated staff of 359 employees, we're here to provide personalized assistance and build lasting relationships with each member. While members can visit us at our convenient location on Kingston Pike, official correspondence should be sent to the same address: 9245 Kingston Pike, Knoxville, TN 37922. We invite you to explore our website at www.y12fcu.org for more information about membership eligibility and our extensive range of financial products. Ready to take the next step? Call us at 865-482-1043 or stop by today. At Y-12, your financial future is in good hands!

Branch History & Mission

Welcome to Y-12, where our journey began in 1950 in the heart of Knoxville, TN. Since then, we have grown from a small credit union into a vital part of the community, serving over 115,000 members and managing assets exceeding $2.14 billion. Our branch is located at 9245 Kingston Pike, conveniently situated near local landmarks that make us easily accessible for all your banking needs. Over the years, Y-12 has been dedicated to providing exceptional financial services while prioritizing the well-being of our members. Our mission is simple yet powerful: to enhance the lives of our members by offering personalized financial solutions and fostering a sense of community. We believe that everyone deserves access to affordable banking options, and we strive to make that a reality through our wide range of services including checking and savings accounts, auto loans, mortgages, and credit cards. At Y-12, we also embrace innovation to better serve our members. With features like online banking, mobile payments, and e-statements, we ensure that banking with us is convenient and user-friendly. Our commitment to inclusivity is reflected in our ADA-compliant facilities and customer-centric approach. While members can visit us at 9245 Kingston Pike, official correspondence should be sent to 9245 Kingston Pike, Knoxville, TN 37922 if you prefer. Our branch operates Monday through Friday from 9:00 a.m. to 5:30 p.m., and on Saturdays from 9:00 a.m. to noon for drive-thru service. We also offer ATM access for those who need quick cash or balance checks. Community involvement is at the core of who we are. We regularly partner with local organizations to support initiatives that uplift our neighborhoods. This dedication extends beyond just financial assistance; we aim to create lasting relationships with the people we serve. We invite you to experience the difference at Y-12. Whether you're looking for financial guidance or simply want a place where your voice matters, we are here for you. Join us today and become part of a community-focused credit union that values your dreams as much as you do! For more information or to open an account, please call us at 865-482-1043 or visit our website at Y-12 FCU.

Branch Location & Accessibility

Convenient Access and Features

At Y-12, we prioritize accessibility for all our members. Our branch is designed to be welcoming and accommodating, featuring ADA-compliant entrances and ramps. Parking is available right outside, ensuring that you can get in and out with ease. Whether you prefer visiting us in person or utilizing our drive-thru service for quick transactions, we've got you covered!

Get in Touch!

Have questions or need assistance? Feel free to give us a call at 865-482-1043 or visit our website at Y-12 FCU. We look forward to welcoming you into the Y-12 family and helping you achieve your financial goals!

Operating Hours

We're here for you during the week! Our lobby hours are Monday through Friday from 9:00 a.m. to 5:30 p.m., giving you plenty of time to handle your banking needs. On Saturdays, our drive-thru is open from 9:00 a.m. until noon, allowing even more flexibility for busy schedules.

Services at Your Fingertips

At Y-12, we offer a range of services designed to meet your financial needs. From personal banking options like checking and savings accounts to loans for vehicles and homes, we aim to provide everything under one roof. Plus, with ATM availability right here at the branch, you can access cash when you need it most. While members can visit us at 9245 Kingston Pike, official correspondence should be sent to the same address for your convenience.

Member Eligibility

At Y-12, we believe that becoming a member means joining a caring community that values your financial well-being. If you're looking to become part of our family, you'll be happy to know that eligibility is open to anyone who lives, works, worships, or attends school in the Knoxville area. We also welcome immediate family members of existing members. This means if you share a household with someone who already enjoys the benefits of being with Y-12, you're welcome too! For more details on eligibility criteria and any updates, feel free to check out our website at http://www.y12fcu.org/about/membership/. Opening an account with us is a simple and straightforward process. Just visit us at our branch located at 9245 Kingston Pike in Knoxville, TN, or you can easily start the application online by following this link: https://apply.y12fcu.org/. If you have any questions along the way or need assistance, don't hesitate to call us at 865-482-1043. We're excited to help you take the first step towards enjoying all the great services and benefits that come with being a member of Y-12!

Business Banking & Commercial Services

Business 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.

Merchant Services

In addition to loans, we offer comprehensive merchant services that make everyday transactions easier. Imagine a local café using our payment processing solutions; they can serve customers quickly while managing their finances efficiently. This allows them to focus on what they do best creating delicious coffee and building relationships with their community. Let Y-12 at 9245 Kingston Pike Knoxville Tn 37922 in Knoxville, TN be your partner in business success. Call us at (865) 482-1043 to learn more about how we can help your business grow!

Comprehensive List Of Services

Business Banking Solutions

For our business members, we offer comprehensive business banking services including merchant services and business loans. We understand that running a business requires flexibility and support; therefore, we tailor our solutions to help you thrive.

Convenient Access

We know life gets busy! That's why we provide ATM and cash withdrawal services for quick access to funds when you need them most. Our drive-thru banking also allows for deposits and withdrawals without leaving your car perfect for those rainy days or when you're in a hurry.

Credit Cards That Reward You

Our credit cards come with rewarding benefits designed for everyday spending. Enjoy cash back on purchases or travel rewards that let you enjoy life's adventures without breaking the bank. Plus, managing your credit card account is simple through our online platform.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why at Y-12, we've embraced technology to enhance your banking experience. With online banking, mobile applications, electronic statements, and person-to-person payment options available at your fingertips, managing your finances has never been easier. --- If you have questions about any of our services or want to explore how we can assist with your financial journey, don't hesitate to reach out! Call us at (865) 482-1043 or visit us at 9245 Kingston Pike Knoxville Tn 37922 in Knoxville today. Your financial well-being is our priority!

Home Financing

When it comes to finding the perfect home, securing a mortgage can feel daunting. Our mortgage loans and refinancing options are here to ease that burden. Whether you're buying your first home or looking to refinance an existing loan for better terms, our experienced team will guide you through each step, ensuring you understand all your options.

Personal Banking Options

Whether you're looking to open a checking or savings account, our personal banking services are designed with you in mind. We understand the importance of having easy access to your money, which is why we offer features like online banking and mobile payments. Imagine being able to check your balance or transfer funds right from your smartphone while waiting in line at your favorite coffee shop! For those looking to make a significant purchase or consolidate debt, our auto loans and personal loans provide flexible financing options that fit your budget. With competitive rates and quick processing times, you'll be on the road or managing your finances better in no time.

Digital & Online Banking

Mobile Banking at Your Fingertips

For those who prefer to do their banking on the go, our mobile application is a perfect fit. It allows you to perform everyday tasks right from your smartphone. Need to send money to a friend? Our person-to-person transfers make it easy. Want to pay with just a tap? Our mobile payments feature has got you covered!

Online Banking Made Simple

With our online banking platform, accessible at https://www.y12fcu.org/, you can check your balances, pay bills, and transfer funds anytime you need. Our 24/7 online banking services ensure that you have access to your accounts whenever it suits you best. Plus, with features like electronic signature authorization available, completing transactions is both secure and straightforward.

Security You Can Trust

We prioritize your security with robust measures in place across all our digital services. Whether you're using our website or mobile app, rest assured that your personal information is protected. We aim to provide a user-friendly experience while keeping your data safe. In summary, Y-12 offers a comprehensive suite of digital and online banking services that make managing your money simple and efficient. Visit us today at https://www.y12fcu.org/ and explore how we can help enhance your banking experience!

Stay Informed with E-Statements

Gone are the days of waiting for paper statements to arrive in the mail. With our e-statements feature, you'll receive your account statements directly to your email. This not only helps you stay organized but also reduces clutter making it easier for you to manage your finances.

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 strength, which serves as a foundation of trust and reliability for all our members. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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 growth is evident with $223,473,017 in undivided earnings, which allows us to reinvest in innovative banking tools and stronger lending options. With $20,577 in used auto loans and $1,702,214,799 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our operational efficiency shines through with a remarkable $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 any needs or questions you may have. Net Shares (Funds available for lending and investments): $1,141,107. Total Share Accounts: 236,372, showing a strong and growing member base that trusts us with their finances. 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 9245 Kingston Pike Knoxville Tn 37922 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 financing for a new or used vehicle, we have flexible terms 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. Whether you're looking to invest in new equipment or expand your operations, we have solutions designed specifically for businesses.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $133,020,730, making buying or refinancing simple. We are committed to guiding you through the mortgage process to find the best solution for your home financing needs.

Refinancing Options

If you're considering refinancing any of your existing loans or mortgages, be sure to inquire about our eligibility options. We can help streamline your payments and potentially lower your interest rates. At Y-12, we believe in empowering our members with the financial resources they need to succeed. For more details on our loan offerings or to discuss what might work best for you, feel free to call us at 865-482-1043 or visit us online at Y-12 FCU. 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 partner with you on your financial journey!

Unsecured Credit Cards

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 competitive rates and rewards that can benefit you in everyday purchases.

Loan Aggregator

How LendMesh Ensures Accurate 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 all loan offers are fair and transparent, giving users confidence in the accuracy of their comparisons.

Key Benefits of Using LendMesh

- Verified Data: All loan offers come from legitimate financial institutions, which promotes transparency in the loan comparison process. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. The goal is to provide unbiased results, ensuring users see all available options fairly. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can easily evaluate their choices and make well-informed decisions about their loans. 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 highlights how effective LendMesh is at delivering reliable results. Compare real-time loan offers today at LendMesh and find the best rates for your 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.*

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