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

Introduction

Welcome to Y-12, your trusted financial partner located at 9133 Middlebrook Pike, Knoxville, TN 37923. Established in 1950, our credit union has been dedicated to serving the community for over seven decades. With a strong commitment to our members, we proudly support 115,349 individuals who have chosen us for their banking needs. At Y-12, we understand that financial decisions can be overwhelming. That's why our knowledgeable team is here to guide you through every step of your journey whether you're looking for personal banking solutions like checking and savings accounts, or financing options such as auto loans and mortgages. We also offer comprehensive business banking services, ensuring that both individual and commercial clients receive the attention they deserve. As a testament to our stability and dedication, we currently manage assets totaling $2,146,504,594 and have a net worth of $246,972,129. Our robust financial standing allows us to offer competitive rates on loans and deposits while ensuring that your money is safe with us. Our CEO, Mark Ziegler, along with Board President David Rupert, leads our team of 359 employees who are ready to provide you with personalized service. We believe in building lasting relationships with our members based on trust and transparency. While members can visit us at our branch location, official correspondence should be sent to the same address: 9133 Middlebrook Pike, Knoxville, TN 37923. If you have any questions or need assistance, feel free to call us at 865-482-1043 or visit our website at y12fcu.org. Join us today and experience the Y-12 difference where your financial success is our top priority!

Branch History & Mission

Welcome to Y-12, where our roots run deep in the Knoxville community. Established in 1950, we have been dedicated to providing our members with exceptional financial services and support for over seven decades. Located at 9133 Middlebrook Pike, Knoxville, TN 37923, our branch has grown alongside the community, evolving from a small credit union into a trusted financial partner for 115,349 members. Y-12 was founded on the belief that everyone deserves access to affordable financial solutions. Our mission is simple yet powerful: to empower our members through personalized banking experiences and community involvement. We strive to foster financial well-being by offering a range of services including checking and savings accounts, auto loans, mortgages, and business banking. We are committed not just to providing financial services but also to uplifting our community through outreach programs and partnerships that make a positive impact. In addition to traditional banking services, we understand the importance of adapting to modern needs. Our branch proudly offers online banking, mobile payments, and ATM access for your convenience. With an ADA-compliant facility and drive-thru service available, we ensure that everyone can access our services easily. While members can visit us at 9133 Middlebrook Pike, official correspondence should be sent to the same address as we aim for simplicity in communication. Our lobby hours are designed with you in mind: open Monday through Friday from 9 AM to 5:30 PM and Saturday from 9 AM to 12 PM. At Y-12, we believe in giving back. Our involvement in local events and initiatives helps strengthen the bonds within our community. As part of our commitment to social responsibility, we actively support various causes that matter most to our members. We invite you to become part of our growing family at Y-12. Experience firsthand how our dedicated team can help you achieve your financial goals while being part of a supportive community. Join us today and discover the difference! For more information or to get started with your membership, please visit our website or call us at 865-482-1043. Together, let's build a brighter future!

Branch Location & Accessibility

Welcome to the Y-12 branch, located at 9133 Middlebrook Pike in Knoxville, TN. Our branch is nestled conveniently near local landmarks, making it easy for you to stop by for your banking needs. Whether you're coming from nearby shopping centers or simply passing through the area, our location is designed with your convenience in mind. While members can visit us at this address, official correspondence should be sent to the same location: 9133 Middlebrook Pike, Knoxville, TN 37923. Our friendly team is ready to assist you during our operating hours: Monday through Friday from 9 AM to 5:30 PM and Saturday from 9 AM to noon. Accessibility is a top priority at our branch. We have ample parking available, including designated spots for those who need them. Our facilities are ADA-compliant, ensuring that all members can easily access our services. Plus, we offer drive-thru banking for quick and simple transactions perfect for those busy days when you're on the go. At Y-12, we strive to provide a range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we've got you covered. Additionally, with an ATM available on-site, you can manage your cash flow without hassle. Have questions? Don't hesitate to reach out! You can give us a call at 865-482-1043. We look forward to welcoming you soon!

Member Eligibility

At Y-12, we believe that everyone deserves a chance to be part of a warm, supportive community. Becoming a member is simple and welcoming! If you live, work, or worship in the Knoxville area or are affiliated with one of our partner organizations, you're already eligible to join us. This means that whether you're looking for better banking options, personalized service, or financial products tailored to your needs, we're here for you. By becoming a member at Y-12, you gain access to exclusive benefits such as competitive rates on loans and savings accounts, along with a variety of services designed to help you achieve your financial goals. To learn more about the specific eligibility criteria, feel free to visit our detailed page at http://www.y12fcu.org/about/membership/. Once you've confirmed your eligibility, opening an account is just a click away through our easy online application at https://apply.y12fcu.org/. If you have any questions or need assistance, don't hesitate to call us at (865) 482-1043. We're excited to welcome you into the Y-12 family!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, our merchant services simplify payment processing, allowing you to focus on what you do best running your business. Imagine having a seamless way to accept payments from customers, whether they're shopping in-store or online. Our solutions are designed to help you manage transactions effortlessly, improve cash flow, and enhance customer satisfaction. Visit us at 9133 Middlebrook Pike Knoxville Tn 37923 in Knoxville, TN or call us at (865) 482-1043 to learn more about how our business banking and commercial services can help you thrive!

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

ATM & Cash Withdrawal Services

Accessing cash shouldn't be a chore. Our ATM services allow for easy withdrawals and balance checks whenever necessary. Plus, with our drive-thru banking option, making deposits and simple transactions has never been more convenient. At Y-12, we're dedicated to providing exceptional service tailored to your financial needs. If you'd like more information about any of these offerings or want to explore how we can assist you further, please give us a call at (865) 482-1043 or visit us at 9133 Middlebrook Pike Knoxville Tn 37923. We look forward to serving you!

Auto Loans & Vehicle Financing

If you're considering a new car, our auto loans and vehicle financing options are perfect for getting you behind the wheel. We understand how important reliable transportation is for your daily life. With competitive rates and flexible terms, we make it easy for you to drive away in the vehicle that suits your lifestyle.

Business Banking

For our entrepreneurial members, we provide robust business banking solutions, including merchant services and business loans. If you're starting or expanding a business, we're here to support your journey with resources that fit your needs.

Credit Cards with Rewards

For those who love to earn while they spend, our credit cards with rewards program offers great benefits on everyday purchases. Think about earning points for travel or cash back while managing your expenses effectively it's a win-win!

Mortgage Loans & Refinancing

Thinking about buying a home? Our mortgage loans and refinancing services can guide you through the process smoothly. Picture yourself stepping into a home that feels just right our mortgage experts are here to assist you with personalized service every step of the way.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer online and mobile banking options that let you manage your accounts anytime, anywhere. Need to check your balance or transfer funds? Just grab your smartphone or log in online it's that simple!

Personal Banking

Managing your money should be straightforward and accessible. That's why we offer personal banking services including checking and savings accounts that help you keep track of your finances. Imagine being able to easily set aside funds for that dream vacation or simply manage your day-to-day expenses without hassle.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, which is why we offer personal loans and debt consolidation options. Whether it's for a medical bill or unexpected repairs, our loans provide you with quick access to cash when you need it most, allowing you to regain control over your finances.

Digital & Online Banking

Key Features of Our Online Banking

Our online banking services let you keep an eye on your financial health with real-time updates. Whether you're checking your balance or reviewing transactions, everything is just a click away. Plus, with the option for electronic signature authorization, signing important documents has never been simpler or more secure. If you prefer to manage your finances on the go, our mobile application provides all the features you need right in your pocket. You can also enjoy mobile payments, making it easy to pay for purchases directly from your account. And if you want to send money to friends or family quickly, our person-to-person transfer feature ensures that funds move instantly.

Stay Informed and Organized

We offer e-statements that give you a clear view of your account activity while helping the environment by reducing paper waste. Accessing these statements is straightforward, allowing you to stay organized without the clutter of physical paperwork. With all these features combined, managing your money has never been easier or more convenient. At Y-12, we're committed to providing a secure and efficient banking experience tailored to fit your lifestyle. Join us today and take full advantage of modern banking conveniences!

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 with you, showing how we prioritize your needs while maintaining a solid foundation for growth. 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. 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 to lending is evident; we currently offer $20,577 in used auto loans and have a robust portfolio with $1,702,214,799 in total loans and leases supporting your financial goals across various sectors. Our operational efficiency is reflected in our $20,855,359, which enables 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 a knowledgeable team dedicated to your needs. Net Shares (Funds available for lending and investments): $1,141,107. Our total share accounts stand strong at 236,372, showing a 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 9133 Middlebrook Pike Knoxville Tn 37923 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 for both new and used vehicles, ensuring you can find the right fit for your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $327,061,618 provide the capital needed to grow and expand. We understand the unique challenges businesses face and are committed to offering solutions that work for you. At Y-12, we believe that everyone deserves access to fair lending options. If you're interested in exploring our loan products further or want information on refinancing options, please don't hesitate to reach out. You can contact us at (865) 482-1043 or visit us at our branch located at 9133 Middlebrook Pike Knoxville Tn 37923 in Knoxville, 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's work together towards achieving your financial goals!

Credit Cards and Personal Loans

For those looking to manage expenses effectively, we also offer flexible terms on unsecured credit card loans, with a total of $52,349,837 in loans helping members navigate their finances. Additionally, personal loans are available for debt consolidation or any unexpected costs that may 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 are here to guide you through the process and help you understand your eligibility options. Whether it's your first home or an investment property, our team is ready to assist.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can feel confident knowing they are viewing reliable options. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. Every user sees the same fair comparison without influence from advertisements. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly and easily. 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 illustrates how effective and user-friendly LendMesh can be. 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.

Ensuring 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), ensuring fair and transparent offers. This commitment to accuracy means that users can trust the information they receive when comparing loans.

Y12